Car Insurance Quotes for a Mazda CX-9 in Aurora

Finding cheap coverage rates on Mazda CX-9 insurance in Aurora could be hard for drivers who are new to online insurance quotes. When there are so many insurance companies available, it can turn into a big hassle to compare coverage rates on Mazda CX-9 insurance.

Steps to finding the cheapest rates for Mazda CX-9 insurance in Aurora

If saving the most money is your goal, then the best way to find cheaper auto insurance rates in Aurora is to do a yearly price comparison from insurers that sell auto insurance in Colorado.

First, spend a few minutes and learn about how companies set rates and the changes you can make to keep rates low. Many factors that increase rates such as speeding tickets, accidents and poor credit can be rectified by making minor changes in your lifestyle. Continue reading for additional ideas to get lower rates and find available discounts that you may qualify for.

Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide prices from multiple companies.

Third, compare the price quotes to your existing rates to see if you can save by switching companies. If you find better rates and decide to switch, make sure there is no coverage gap between policies.

A tip to remember is to compare identical coverage information on each price quote and and to get rate quotes from as many auto insurance providers as possible. This helps ensure an apples-to-apples comparison and a better comparison of the market.

Discount Mazda CX-9 insuranceInconceivable but true, a large majority of consumers have remained with the same car insurance company for at least four years, and 38% of drivers have never compared quotes from other companies. With the average car insurance premium being $1,847, U.S. drivers can save hundreds of dollars each year by just shopping around, but they assume it’s a waste of time to compare rates online.

All the larger insurance companies such as State Farm and Allstate allow you to get prices on their websites. Getting Mazda CX-9 insurance prices online is fairly simple as you simply enter your required coverages as requested by the quote form. Upon sending the form, their rating system sends out for your driving record and credit report and provides a quote determined by many factors.

This streamlines rate comparisons, and it’s absolutely necessary to compare as many rates as possible in order to find the best rate.

If you want to compare pricing, compare rates now from the companies shown below. If you have your current policy handy, we recommend you complete the form with coverages and limits just like they are on your policy. Using the same limits helps guarantee you are getting rate comparison quotes for exact coverage.

The companies shown below are our best choices to provide price quotes in Colorado. If you want cheap car insurance in CO, we recommend you compare several of them to get the lowest price.

Auto insurance data for a Mazda CX-9

The rate table displayed next showcases different policy rates for Mazda CX-9 models. Having insight into how policy rates are established can assist in making smart choices when comparing insurance quotes.

Mazda CX-9 Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $192 $306 $330 $20 $98 $946 $79
CX-9 Grand Touring 2WD $192 $360 $330 $20 $98 $1,000 $83
CX-9 Sport AWD $192 $360 $330 $20 $98 $1,000 $83
CX-9 Touring 2WD $192 $360 $330 $20 $98 $1,000 $83
CX-9 Touring AWD $192 $360 $330 $20 $98 $1,000 $83
CX-9 Grand Touring AWD $214 $360 $330 $20 $98 $1,022 $85
Get Your Own Custom Quote Go

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.

Rate comparison for different deductibles

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The rates below can help you understand the costs and benefits when you choose different policy deductibles. The first rate table uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Mazda CX-9 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $306 $458 $352 $20 $106 $1,267 $106
CX-9 Grand Touring 2WD $306 $538 $352 $20 $106 $1,347 $112
CX-9 Sport AWD $306 $538 $352 $20 $106 $1,347 $112
CX-9 Touring 2WD $306 $538 $352 $20 $106 $1,347 $112
CX-9 Touring AWD $306 $538 $352 $20 $106 $1,347 $112
CX-9 Grand Touring AWD $342 $538 $352 $20 $106 $1,383 $115
Get Your Own Custom Quote Go

Mazda CX-9 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $190 $288 $352 $20 $106 $956 $80
CX-9 Grand Touring 2WD $190 $340 $352 $20 $106 $1,008 $84
CX-9 Sport AWD $190 $340 $352 $20 $106 $1,008 $84
CX-9 Touring 2WD $190 $340 $352 $20 $106 $1,008 $84
CX-9 Touring AWD $190 $340 $352 $20 $106 $1,008 $84
CX-9 Grand Touring AWD $210 $340 $352 $20 $106 $1,028 $86
Get Your Own Custom Quote Go

Prices above 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, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in zip code location which can raise or lower prices considerably.

Based on the above data, using a $250 deductible will cost you approximately $28 more each month or $336 for a full year averaged for all CX-9 models than choosing the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 27 months between claim filings, you would probably be better off going with the higher deductible.

The illustration below demonstrates how choosing different deductibles and can influence Mazda CX-9 annual premium costs for each age group. The premium estimates are based on a single male driver, comp and collision included, and no discounts are applied.

Rate difference between full and liability-only coverage

The diagram below visualizes the comparison of Mazda CX-9 insurance prices with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or driving citations, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to stop paying for full coverage

There is no set rule to drop physical damage insurance, but there is a general guideline. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Mazda CX-9 replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

How do Insurers Determine Mazda CX-9 Insurance Costs?

Many factors are part of the equation when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are not as apparent such as your marital status and annual miles driven.

It may be expensive, but it’s not optional

Despite the high insurance cost for a Mazda CX-9 in Aurora, car insurance may not be optional for several reasons.

The benefits of carrying enough insurance are without a doubt worth the cost, especially for larger claims. As of last year, the average driver in Colorado overpays more than $700 annually so compare quotes from several companies once a year at a minimum to ensure rates are inline.

What is the best car insurance company in Aurora?

Insuring your vehicle with a high-quality auto insurance company can be difficult considering how many companies there are in Colorado. The information shown below can help you analyze which coverage providers to look at when shopping around.

Top 10 Aurora Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. Allstate – 88%
  9. 21st Century – 88%
  10. The General – 88%

Top 10 Aurora Car Insurance Companies Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers