Save Money on Mazda CX-9 Insurance in Denver

Being forced to pay for overpriced auto insurance premiums can draw down your savings and put the squeeze on your family’s finances. Doing a price comparison can help to ensure you are getting the best deal.

Amazlingly, a recent NerdWallet.com study showed that almost 70% of drivers kept their coverage with the same auto insurance company for four years or more, and 38% of customers have never compared rates with other companies. Colorado drivers could cut their rates by approximately 35% a year just by getting comparison quotes, but most just don’t grasp the actual amount they would save if they changed companies. There is such a variety of insurers to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to compare rates and cut insurance costs.

This article’s goal is to teach you how car insurance companies work and some tricks to saving. If you have insurance now, you should be able to reduce the price you pay using the tips covered below. You only need an understanding of the fastest way to compare rate quotes instantly.

Cheaper Mazda CX-9 insurance quotes in Denver

Companies that sell car insurance don’t list all available discounts in an easy-to-find place, so the list below gives a summary of a few of the more common and the harder-to-find credits available to you.

• Resident Student – Any of your kids who are attending college and don’t have a car may qualify for this discount.
• Low Mileage Discounts – Driving fewer miles may allow you to get discounted premium rates on garaged vehicles.
• Data Collection Discounts – Insureds that choose to allow companies to study their driving habits remotely such as Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
• Cautious Driver Discounts – Accident-free drivers can pay as much as 50% less as compared to drivers with claims.
• Active Military Service – Having a deployed family member could trigger a small discount.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

Popular auto insurance companies and a summarized list of policyholder discounts are:

• Farmers Insurance may include discounts for homeowner, good student, distant student, youthful driver, switch companies, and electronic funds transfer.
• Esurance offers discounts including claim free, safety device, paid-in-full, anti-lock brakes, multi-car, and Pac-12 alumni.
• State Farm offers premium reductions for anti-theft, safe vehicle, accident-free, defensive driving training, passive restraint, and driver’s education.
• GEICO has savings for seat belt use, anti-lock brakes, multi-policy, federal employee, air bags, membership and employees, and defensive driver.
• Allstate has discounts for new car, farm vehicle, senior citizen, good student, passive restraint, 55 and retired, and safe driver.

Before buying, ask each company which discounts you may be entitled to. Some discounts listed above might not be offered on policies everywhere. To locate auto insurance companies that offer discounts in Colorado, click here to view.

The fastest way that we advise to compare policy rates for Mazda CX-9 insurance in Denver is to know car insurance companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is give them rating details like your credit rating estimate, your education level, level of coverage desired, and marital status. Your details is then sent to multiple different insurance companies and you will receive price estimates instantly to find the best rate.

To get price quotes for your Mazda CX-9 now, click here and see if a lower rate is available in Denver.

The companies shown below are ready to provide price comparisons in Colorado. If multiple providers are shown, it’s highly recommended you visit as many as you can to get the best price comparison.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can increase or decrease insurance rates substantially.

How violations and accidents impact rates

The diagram below demonstrates how traffic citations and at-fault claims increase Mazda CX-9 insurance prices for different ages of insureds. The prices are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Car insurance rates based on gender

The information below visualizes the comparison of Mazda CX-9 auto insurance costs for male and female drivers. The premiums are based on no violations or accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The rates below can help illustrate the rate fluctuation when you choose different insurance deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific location information which can raise or lower coverage rates significantly.

Based on the data above, we can derive that using a $100 deductible will cost you about $39 more each month or $468 for a full year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 23 months between claims, you would save money by going with a higher deductible.

You Can Change Your Insurance Premiums

Many things are part of the calculation when quoting car insurance. Some of the criteria are obvious like your driving record, although some other factors are less apparent such as your credit history or your commute time.

• Better credit means lower costs – Having a good credit score is a large factor in your rate calculation. Drivers who have high credit scores tend to file fewer claims than drivers who have poor credit. If your credit score is lower than you’d like, you could potentially save money when insuring your Mazda CX-9 by spending a little time repairing your credit.
• Only buy what you need – Insurance companies have many extra add-on coverages that you can buy when buying insurance. Coverages for vanishing deductibles, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past remove them from your policy.
• Having a spouse equates to better rates – Having a spouse may save some money compared to being single. Having a significant other usually means you are more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
• When should you not file a insurance claims? – Auto insurance companies in Colorado award most affordable rates to policyholders who are claim-free. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Women pay lower costs – Statistics show that women are safer drivers than men. It does not mean men are worse drivers. Both sexes tend to get into fender benders at about the same rate, but the males cause more damage. They also get ticketed for serious violations such as DWI and reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore pay the highest rates.
• Better prices for continuous insurance coverage – Not maintaining insurance is illegal and companies may charge more for letting your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance can result in a steep fine or even jail time.
• Mazda CX-9 insurance loss data – Companies take into consideration insurance loss statistics for every vehicle when determining insurance rates. Models that the statistics show to have high amounts or severity of claims will have a higher premium rate.

  The table below demonstrates the collected loss data for Mazda CX-9 vehicles. For each policy coverage type, the loss probability for all vehicles, as an average, is considered to be 100. Percentage values below 100 are indicative of better than average losses, while percentages above 100 indicate a higher chance of having a claim or statistically larger claims.

  Insurance Loss Ratings for Mazda CX-9 Vehicles

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Mazda CX-9 4dr 2WD	87	108	74	87	95	89
  Mazda CX-9 4dr 4WD	89	109	92	80	76	77

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Neighborhood insurance agents

Some people prefer to have an agent’s advice and there is nothing wrong with that. Most agents can answer important questions and will help you if you have claims. A nice benefit of comparing rate quotes online is you may find cheap car insurance rates but also keep your business local. And buying from neighborhood insurance agencies is especially important in Denver.

For easy comparison, once you complete this form (opens in new window), your insurance coverage information is emailed to local insurance agents who can give free rate quotes to get your business. There is no need to search for an agent due to the fact that quote results will go directly to you. If you want to get a comparison quote from a particular provider, don’t hesitate to search and find their rate quote page and complete a quote there.

Shown below is a short list of insurers in Denver that are able to give price quotes for Mazda CX-9 insurance in Denver.

View more agents

Finding the right insurance company shouldn’t rely on just the premium amount. The questions below may impact your decision as well.

• Are they paid to recommend certain coverages?
• If independent agents, which companies do they recommend?
• Is there a local claims center in Denver?
• Do the coverages you’re quoting properly cover your vehicle?
• Is auto insurance their primary focus in Denver?

Upon receiving acceptable answers to any questions you may have and a low price estimate, you have narrowed it down to an insurer that meets the requirements to properly service your car insurance policy.

Car insurance does more than just protect your car

Despite the fact that car insurance is not cheap in Denver, insuring your vehicle may be mandatory for several reasons.

• The majority of states have minimum liability requirements which means you are required to carry specific minimum amounts of liability in order to be legal. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you took out a loan on your CX-9, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Mazda at an extremely high rate and force you to pay the higher price.
• Car insurance protects your Mazda and your assets. Insurance will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. But the average American driver overpays more than $820 a year so we recommend shopping around at least once a year to make sure the price is not too high.

Compare. Compare. Compare.

Throughout this article, we presented many ideas to save on Mazda CX-9 insurance in Denver. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost Denver car insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

When getting Denver car insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped physical damage coverage to discover at claim time that they should have had better coverage. The goal is to buy enough coverage at the best cost, not the least amount of coverage.

More tips and info about insurance can be found in these articles:

• Vehicle Size and Weight FAQ (iihs.org)
• Who Has the Cheapest Car Insurance for Safe Drivers in Denver? (FAQ)
• What Insurance is Cheapest for a 20 Year Old Female in Denver? (FAQ)
• Who Has Cheap Auto Insurance for a Ford Edge in Denver? (FAQ)
• Who Has Affordable Denver Auto Insurance Rates for State Employees? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers Requiring a SR22 in Denver? (FAQ)
• Who Has Affordable Denver Auto Insurance Rates for High School Students? (FAQ)
• Distracted Driving Extends Beyond Texting (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Institute)