When it comes to your Fort Collins automotive needs, how much do you think about car insurance? Your auto technician at Fort Collins Foreign car service wants you to be as satisfied with your auto policy as you are with your other automotive needs.

Red Jaguar
Image courtesy of Pedro Riberio Simoes via Flickr

Thinking of changing your car insurance? Flo over at Progressive would love your business, but the laughs GEICO gives you with their commercials just might sway you to purchase from the Gecko. Flo’s commercials resulted in the most new enrollees resulting from seeing a TV commercial (18%,) while GEICO gained 16% of new enrollees from their TV commercials. Those commercials might encourage you to buy a policy, but will they keep you with that company for the long run? Does a TV commercial equate to customer satisfaction?

Insure.com released their customer satisfaction survey for insurance companies in March of 2014. The survey included several categories, asking people to rate their experiences with customer service and how satisfied they were with the resolution of any claims they had submitted to their insurance provider. They were also asked to rate the value of their insurance for the price they paid.  Another factor in the analysis of car insurance satisfaction was calculating how many people plan to renew their coverage with their existing company, and the percentages of survey takers who would recommend their insurance company to other people looking for a new policy or a change.

Who comes out on top? The top 10 are as follows:

  1. USAA
  2. State Farm
  3. Farmers
  4. GEICO
  5. Auto Club of Southern California
  6. Nationwide
  7. Liberty Mutual
  8. Allstate
  9. American Family
  10. The Hartford

No matter how satisfied you might be with your car insurance, the rates will vary for a variety of reasons. New cars cost more to insure than older models. Any driving citation will probably increases your rates, generally for at least 3 years. Many different factors contribute to the base price for an individual car insurance policy.

Insure.com commissioned a study to provide average auto insurance rates for 2014 models. The model driver for the data was a single 40 year old man who commutes 12 miles to work, has no driving infractions or citations, and has a clean record record. His imaginary policy had a $500 deductible on a combined comprehensive and collision insurance policy. The insurance carriers and the car model he was insuring were the variables. Six carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) were included over 10 zip codes per state, for a total of 50 different locations. Over 850 2014 models were included in the data. The lowest and highest price cars to insure with our imaginary customer came out as follows:

  1. Jeep Wrangler Sport
  2. Honda Odyssey LX
  3. Jeep Patriot Sport
  4. Honda CR-V LX
  5. Jeep Compass Sport
  6. Chrysler Town & Country Touring
  7. Subaru Outback 2.5i
  8. Dodge Journey SE
  9. Honda Odyssey EX
  10. Dodge Grand Caravan SE

Most Expensive Cars To Insure, 2014 Models:

  1. Nissan GT-R Track Edition
  2. BMW M6
  3. Mercedes-Benz  CL550 4Matic AWD
  4. Mercedes-Benz SLS AMG GT
  5. Porsche Panamera Turbo S
  6. Audi R8 5.2 Spyder Quattro
  7. Mercedes-Benz  G63 AMG
  8. Audi A8 L 6.3 Quattro
  9. Jaguar XKR Supercharged
  10. Jaguar XK

It seems that car model, more than any other contributing factor for our hypothetical driver alters potential insurance rates.

When it comes to Fort Collins automotive rates, insurance premiums rank at 18th in the country. How expensive is insurance by state rankings? For this data, the survey includes one hypothetical driver with the same vehicle, only the state in which he is purchasing car insurance is introduced as a variable:

Ranking the states: Average car insurance premiums

Dollar figures shown are an average of all 855 vehicles surveyed in the 2014 model year

Here are the 10 priciest states for auto insurance premiums:

  1. Michigan $2.551
  2. West Virginia $2,518
  3. Georgia $2,201
  4. Washington, D.C. $2,127
  5. Rhode Island $2,551
  6. Montana $2,103
  7. Louisiana $1,971
  8. California $1,962
  9. New Jersey $1,905
  10. Florida $1,803

Colorado comes in at number 18, with an annual cost for our hypothetical driver of $1, 558. The least expensive states for purchasing car insurance are Arizona, Missouri and Indiana. To get an exact comparison, consider your driving needs and any citations you might have. Will XYZ insurance company lower your rates if you engage in regular car maintenance service with your auto technician? Several driving citations can really raise insurance prices, so compare that cost if you should have any on your record. Age and driving habits also affect insurance rates.

This survey is a useful tool for those considering switching their car insurance carrier, or simply wanting to see how their provider stacks up and rates compare to others. Other factors, like convenience and how comfortable one is with the people who actually run the insurance branch from which the policy is purchased will certainly have an impact on customer satisfaction, although they were not included in the survey. Whatever insurance ends up being your best choice, drive safe, drive happy, and considerately enjoy the road!