Compare Mazda MX-5 Miata Insurance Quotes in Aurora

Insurance for Mazda MX-5 MiataUnbelievable but true according to a study a large majority of drivers kept their coverage with the same insurance company for a minimum of four years, and 38% of drivers have never taken the time to shop around. Aurora insurance shoppers could save nearly 35% every year just by getting comparison quotes, but they just don’t want to find cheap insurance rates.

The most effective way to find discount car insurance rates in Aurora is to start doing a yearly price comparison from companies who provide auto insurance in Colorado.

  1. Gain an understanding of what is in your policy and the measures you can control to drop your rates. Many rating factors that increase rates such as at-fault accidents and a negative credit rating can be rectified by paying attention to minor details.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can provide price quotes from many different companies.
  3. Compare the new rate quotes to your existing policy and determine if cheaper MX-5 Miata coverage is available in Aurora. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your company or agent of your intention to cancel your current coverage and submit a completed policy application and payment to your new carrier. As soon as you have the new policy, place your new proof of insurance certificate in your glove compartment.

A good tip to remember is to compare the same liability limits and deductibles on every quote request and and to compare all possible companies. Doing this provides a fair rate comparison and a good representation of prices.

The companies in the list below are ready to provide free quotes in Aurora, CO. To get cheap car insurance in Aurora, it’s highly recommended you click on several of them to get the best price comparison.

Protect your vehicle and other assets

Even though it’s not necessarily cheap to insure a Mazda in Aurora, buying auto insurance is required for several reasons.

The benefits of carrying enough insurance definitely exceed the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $830 a year so you should quote your policy with other companies at every renewal to make sure the price is not too high.

Insurance rate breakdown

The premium information shown below showcases detailed analysis of rate quotes for Mazda MX-5 Miata models. Learning as much as possible about how insurance prices are established can help guide drivers when making decisions when choosing a new policy provider.

Mazda MX-5 Miata Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MX-5 Miata Sport 2-Dr Convertible $126 $232 $338 $20 $102 $818 $68
MX-5 Miata Touring 2-Dr Convertible $144 $282 $338 $20 $102 $886 $74
MX-5 Miata Grand Touring 2-Dr Convertible $144 $282 $338 $20 $102 $886 $74
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in specific location which can affect premium rates greatly.

Higher deductibles save money

When comparing insurance rates, the most common question is where to set your physical damage deductibles. The rates below illustrate the cost difference when you choose different deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Mazda MX-5 Miata insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MX-5 Miata Sport 2-Dr Convertible $236 $376 $298 $18 $90 $1,043 $87
MX-5 Miata Touring 2-Dr Convertible $272 $458 $298 $18 $90 $1,161 $97
MX-5 Miata Grand Touring 2-Dr Convertible $272 $458 $298 $18 $90 $1,161 $97
Get Your Own Custom Quote Go

Mazda MX-5 Miata insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MX-5 Miata Sport 2-Dr Convertible $192 $304 $298 $18 $90 $902 $75
MX-5 Miata Touring 2-Dr Convertible $220 $368 $298 $18 $90 $994 $83
MX-5 Miata Grand Touring 2-Dr Convertible $220 $368 $298 $18 $90 $994 $83
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in vehicle location which can increase or decrease rates greatly.

Based on the figures above, using a $250 deductible costs an average of $14 more each month or $168 each year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 18 months between claims, you would come out ahead going with the higher deductible. The numbers below show the way you can make your own decision.

Average monthly premium for $250 deductibles: $94
Average monthly premium for $500 deductibles (subtract): – $80
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important caveat is that a higher deductible means you pay more out-of-pocket when you have a claim. It will be required that you have enough money in the bank in the event you have to pay the higher deductible.

Yearly insurance costs for men versus women

The diagram below compares Mazda MX-5 Miata insurance premiums for male and female drivers. The premium estimates are based on no violations or claims, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are factored in.

Don’t neglect these discounts on Mazda MX-5 Miata insurance in Aurora

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Some discounts will apply at the time you complete a quote, but some may not be applied and must be asked about before they will apply.Cheaper insurance with discounts

It’s important to understand that most of the big mark downs will not be given to the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.

The chart below visualizes the comparison of Mazda MX-5 Miata insurance costs with and without discounts applied. The data assumes a male driver, no accidents, no driving violations, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, homeowner, and marriage discounts applied.

For a list of insurance companies that offer many of these discounts in Aurora, follow this link.

Local Aurora auto insurance agents

A small number of people would prefer to buy from a licensed agent and we recommend doing that Insurance agents can help you choose the best coverages and help submit paperwork. One of the great benefits of comparing rate quotes online is that you can obtain the best rates and also buy local. Buying insurance from small agencies is important especially in Aurora.

Aurora insurance agentsBy using this form (opens in new window), the quote information is emailed to companies in Aurora who will give you quotes for your coverage. There is no reason to do any legwork since rate quotes are delivered to your email. If you have a need to get a price quote for a specific company, you can always navigate to their website and fill out the quote form the provide.

Best car insurance agent in Aurora

If you would like to find a reliable agent, there are two different agency structures and how they operate. Insurance policy providers are either independent or exclusive. Both do a good job, but we need to point out the difference in how they write coverage since it can impact your agent selection.

Independent Insurance Agencies or Brokers

Independent agents often have affiliation with several companies so they have the ability to put coverage with lots of companies and get the cheapest rates. If you are not satisfied with one company, the business is moved internally and you don’t have to do anything. If you are comparing insurance prices, it’s a good idea to include a few independent agents to have the most options to choose from.

Listed below are Aurora independent insurance agencies that can give you pricing information.

2600 S Parker Rd # 263Aurora, CO 80014(303) 309-6200View Map

2222 S Fraser St Unit 4Aurora, CO 80014(303) 368-5839View Map

13693 E Iliff AveAurora, CO 80014(303) 755-8600View Map

More Aurora agents

Exclusive Agents

Agents that choose to be exclusive can only write with one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. These agents are highly trained on the products they sell which helps them sell insurance even at higher premiums.

Below is a short list of exclusive insurance agents in Aurora willing to provide price quote information.

1140 S Abilene StAurora, CO 80012(303) 798-3939View Map

15260 E Hampden AveAurora, CO 80014(303) 693-1650View Map

Paul Macaluso – State Farm Insurance Agent
Ste A6, 16911 E Quincy AveAurora, CO 80015(303) 690-6700View Map

More Aurora agents

Choosing an insurance agency needs to be determined by more than just a cheap price quote. These are valid questions to ask:

If you feel you receive reasonable responses for all questions you ask and inexpensive Mazda MX-5 Miata insurance in Aurora quotes, chances are good that you have found an insurance agent that can service your policy.

Auto insurance savings summarized

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced full coverage only to discover later that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

Some companies do not provide online price quotes and these smaller companies prefer to sell through independent agents. More affordable auto insurance in Aurora can be sourced both online in addition to local insurance agencies, and you need to price shop both to have the best rate selection.

We just presented a lot of techniques to save on Mazda MX-5 Miata insurance in Aurora. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive Aurora auto insurance quotes. You may even find the best car insurance rates are with the least-expected company. Smaller companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

Additional auto insurance information is located at these links: