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Best Local Car Insurance Agencies in Fort Collins

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Ben Parsons logo
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License Verified:

License: 657745

Colorado Department Of Regulatory Agencies, Division Of Insurance

Ben Parsons

2121 Midpoint Drive, Fort Collins, CO 80525
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  • Multiple Carriers

Business Description

Ben Parsons is a State Farm insurance agent serving Fort Collins clients. Parsons' team is committed to assisting individuals and business owners with their insurance needs. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages. The agency also offers banking and investment services for clients. Parsons is a supporter of the Fort Collins Rescue Mission and volunteers to various food and clothing drives.

License Verified:

License: 657745

Colorado Department Of Regulatory Agencies, Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (112)
Facebook
5.0 / 5 (20)
Yelp
4.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Insurance Specialties logo
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License Verified:

License: 142907

Colorado Department Of Regulatory Agencies, Division Of Insurance

Insurance Specialties

148 West Oak Street, Fort Collins, CO 80524
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  • Bundling Option
  • Motorcyle & ATV

Business Description

Insurance Specialties is an independent insurance brokerage servicing clients in the Fort Collins metro and nearby areas. The company specializes in auto and home insurance products and offers comprehensive auto insurance policies that provide state-required coverage for liabilities, damages, and medical payments. SR-22 coverage can also be added for high-risk drivers. Insurance Specialties has been serving for over 30 years and has extensive experience covering specialty cars, motorcycles, boats, and ATVs.

License Verified:

License: 142907

Colorado Department Of Regulatory Agencies, Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (34)
Google
4.9 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mountain Plains Agency, Inc. logo
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License Verified:

License: 139903

Colorado Department Of Regulatory Agencies, Division Of Insurance

Mountain Plains Agency, Inc.

4532 Mcmurry Avenue, Fort Collins, CO 80525
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  • Multiple Carriers

Business Description

Mountain Plains Agency, Inc., is a locally owned and operated agency that provides car insurance services to clients in Fort Collins. Established in 2005, its team of agents specializes in creating personal and commercial insurance policies that are tailored to the clients' needs. They work with various insurance carriers in providing personal and business insurance plans. The Mountain Plains Agency team is committed to treating clients with loyalty and providing excellent and detailed service.

License Verified:

License: 139903

Colorado Department Of Regulatory Agencies, Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (24)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Skies West Ins. logo
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License Verified:

License: 45177

Colorado Department Of Regulatory Agencies, Division Of Insurance

Skies West Ins.

1531 Riverside Avenue, Fort Collins, CO 80524
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  • Multiple Carriers

Business Description

Skies West Insurance Agency is an independent and family-owned auto insurance provider that has been serving Fort Collins and other areas in Northern Colorado since 1981. They work with several leading insurance carriers to ensure that they will provide the best rates that fit their clients' needs. They offer auto insurance coverage for a variety of vehicles including personal, collectors, and classic vehicles. They also provide coverage for other personal and business insurance.

License Verified:

License: 45177

Colorado Department Of Regulatory Agencies, Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
The Doebbeling Agency logo
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License Verified:

License: 383826

Colorado Department Of Regulatory Agencies, Division Of Insurance

The Doebbeling Agency

3675 South College Avenue, Fort Collins, CO 80525
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  • Bundling Option

Business Description

The Doebbeling Agency is an independent insurance company based in Fort Collins. Its auto insurance agents can design customized policies that fit the unique financial needs of clients. They educate policy buyers about the factors that determine insurance premiums, such as driving record, car model, home location, and credit score. The agency’s owner, Ashley Doebbeling, has earned the Chartered Property and Casualty Underwriter designation and has been in the insurance industry for over 20 years.

License Verified:

License: 383826

Colorado Department Of Regulatory Agencies, Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Welsh Insurance Agency, Inc. logo
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License Verified:

License: 63726

Colorado Department Of Regulatory Agencies, Division Of Insurance

Welsh Insurance Agency, Inc.

4033 Boardwalk Drive, Fort Collins, CO 80525
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  • Multiple Carriers

Business Description

Welsh Insurance Agency, Inc. uses advanced computer systems to compare car quotes available in Fort Collins. Established in 1987, the independent insurance business first identifies the clients' needs to craft personalized auto protection plans. After evaluating customers' risks, its agents find insurance carriers that will provide adequate auto insurance coverages for them. The company partners with various insurance companies like Liberty Mutual, Zurich, and Safeco. The founding members of the company focus on understanding every client's coverage needs.

License Verified:

License: 63726

Colorado Department Of Regulatory Agencies, Division Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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