Are you tired of scraping the payment together each month for insurance? Your situation is no different than many other drivers in Colorado.
It’s an obvious conclusion that insurance companies don’t want you shop around. People who shop around annually will probably buy a new policy because they stand a good chance of finding discount prices. Remarkably, a study showed that consumers who made a habit of comparing rates saved approximately $3,500 over four years compared to those who never compared prices.
If finding low prices for Mazda MPV insurance is your target objective, then having an understanding of how to find companies and compare coverage rates can help make the process easier and more efficient. You have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have a selection, having more insurance companies makes it harder to find the best rates for your vehicles.
The companies in the list below are ready to provide price comparisons in Colorado. If multiple companies are listed, it’s highly recommended you get price quotes from several of them to get the best price comparison.
Don’t neglect these seven premium slashing discounts
Car insurance is not an enjoyable expense, but you might find some hidden discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but a few must be manually applied before you get the savings. If you do not check that you are getting every discount you qualify for, you are just wasting money.
- Discounts for Cautious Drivers – Insureds without accidents can pay as much as 50% less than drivers with accident claims.
- Smart Student Discounts – Being a good student may save as much as 25% on a Aurora auto insurance quote. Earning this discount can benefit you up until you turn 25.
- Theft Prevention System – Cars and trucks with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Aurora auto insurance quote.
- Buy New and Save – Buying a new car instead of a used MPV can save you some money compared to insuring an older model.
- Distant College Student Discount – Older children who are attending college and leave their car at home may be able to be covered for less.
- Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
- No Accidents – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way.
Some companies that may offer these discounts possibly include:
Check with all the companies which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to see a list of car insurance companies who offer online Mazda MPV insurance quotes in Aurora, click here to view.
Compare rate quotes but buy from a local neighborhood Aurora car insurance agent
A lot of people would rather sit down with an agent and often times that is recommended Insurance agents can point out coverage gaps and will help you if you have claims. The best thing about comparing rate quotes online is that you can obtain lower rates and still choose a local agent. And buying from local insurance agents is especially important in Aurora.
After filling out this form (opens in new window), your information is submitted to insurance agents in Aurora that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to search for an agent as quotes are delivered to you instantly. If you wish to compare prices from a specific car insurance provider, don’t hesitate to find their quoting web page and fill out their quote form.
Pick the best car insurance agent in Aurora for you
If you want an insurance agent, it’s helpful to know the types of insurance agents from which to choose. Agents may be either exclusive agents or independent agents. Either one can sell and service car insurance coverage, but it’s important to point out the differences since it can affect which type of agent you select.
Agents of this type are normally appointed by many insurers and that allows them to write policies with any number of different companies and help determine which has the cheapest rates. If they quote lower rates, they simply switch companies in-house and the insured can keep the same agent.
If you are comparing car insurance prices, you need to check rates from a couple of independent agencies to have the best price comparison.
Shown below are Aurora independent agencies who may be able to give you cheap rate quotes.
Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
Exclusive Car Insurance Agencies
Exclusive agencies have only one company to place business with and some examples include Allstate and State Farm. These agents are unable to provide prices from multiple companies so you might not find the best rates. They are usually quite knowledgeable on what they offer and that enables them to sell even at higher rates.
The following is a list of exclusive agents in Aurora that are able to give rate quotes.
Stan Kellogg – State Farm Insurance Agent
15434 E Orchard Rd – Aurora, CO 80016 – (303) 699-2288 – View Map
American Family Insurance – Rick Laikola Agency Inc.
3102 S Parker Rd Ste A16 – Aurora, CO 80014 – (303) 696-2666 – View Map
Finding a good auto insurance agent is decision based upon more than just a low price. The following questions are important to ask.
- Do they offer rental car reimbursement?
- Can you use your own choice of collision repair facility?
- Are they primarily personal or commercial lines agents in Aurora?
- Can they provide you with a list of referrals?
- How much will you save each year by using a higher deductible?
- Do they have 24-hour customer assistance?
- Does the agency have a good rating with the Better Business Bureau?
Three good reasons to insure your Mazda MPV
Despite the high insurance cost for a Mazda MPV in Aurora, insurance may be required for several reasons.
First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to license the vehicle. 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.
Second, if you have a loan on your car, almost every bank will make it mandatory that you buy full coverage to guarantee payment of the loan. If the policy lapses, the bank may buy a policy for your Mazda for a lot more money and force you to pay the higher premium.
Third, insurance protects not only your Mazda MPV but also your assets. It will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Mazda as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying auto insurance definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying over $810 a year so shop around every year to help ensure money is not being wasted.
Car insurance coverages and their meanings
Knowing the specifics of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible on your MPV to save money on collision insurance.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for bills such as nursing services, EMT expenses, funeral costs, pain medications and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mazda MPV.
Since many Colorado drivers only carry the minimum required liability limits (Colorado limits are 25/50/15), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer, damage from getting keyed and a broken windshield. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
This coverage protects you from damage or injury you incur to people or other property. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/15 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability can pay for claims such as funeral expenses, legal defense fees, loss of income and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible. Colorado requires drivers to carry at least 25/50/15 but you should think about purchasing more coverage.
The chart below shows why low liability limits may not be enough.
Cheaper insurance premiums are possible
When searching for affordable Mazda MPV insurance quotes, it’s very important that you do not reduce coverage to reduce premium. In many cases, consumers will sacrifice full coverage and learned later that the savings was not a smart move. The ultimate goal is to buy enough coverage at the best possible price while not skimping on critical coverages.
Budget-conscious Mazda MPV insurance is attainable online and also from your neighborhood Aurora agents, so you need to quote Aurora auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not offer online quoting and most of the time these small, regional companies only sell through independent insurance agents.
How to buy lower priced Mazda MPV insurance in Aurora
The easiest way to find cheaper prices for Mazda MPV insurance in Aurora is to make a habit of regularly comparing prices from insurers who provide car insurance in Colorado. You can compare rates by following these steps.
Step 1: It will benefit you to learn about how car insurance works and the measures you can take to keep rates down. Many factors that drive up the price like distracted driving and a not-so-good credit score can be eliminated by making minor driving habit or lifestyle changes.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple sources. View insurance agents
Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Aurora. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Tell your current company to cancel your current auto insurance policy. Submit the completed application along with a down payment for the new coverage. As soon as you can, place your new certificate of insurance with the vehicle registration.
A good tip to remember is to make sure you’re comparing similar coverage information on every price quote and and to get rates from as many companies as you can. Doing this enables a fair price comparison and a complete price analysis.
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