Insurance quote for Mazda 5 in DenverHave you finally had enough of sacrificing other expenses to make your car insurance payment? You have the same problem as many other people in Colorado.

Sadly, nearly 70% of consumers kept their coverage with the same car insurance company for over three years, and 38% of customers have never quoted rates to find affordable coverage. Colorado insurance shoppers could save $605 each year by just comparing quotes, but most just don't grasp how much they could save if they switched. Due to the fact that there are so many insurance companies to choose from that have cheaper insurance for a Mazda 5 in Denver, it is very difficult to choose the most affordable car insurance company.

It is always a good idea to compare rates once or twice a year because insurance prices go up and down regularly. Just because you had the best quotes on Mazda 5 insurance in Denver two years ago a different company probably has better rates today. There is a lot of bad advice regarding 5 insurance online but I'm going to show you a lot of great tips on how to quit paying high car insurance rates in Denver.

Score discounts on Denver auto insurance

Some insurers don't always publicize their entire list of discounts in an easy-to-find place, so we break down some of the more common as well as some of the hidden discounts that may be available. If you check and find you aren't receiving every discount available, you are paying more than you should be.

Please keep in mind that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, it just doesn't work that way. But any discount will definitely reduce your policy premiums.

To choose providers with discount auto insurance rates in Colorado, click here.

Finding a lower price on insurance can be relatively painless. All that's required is to take a couple of minutes to get quotes to discover which company has low cost Denver car insurance quotes.

Getting free price quotes online is quite simple, and it makes it a waste of time to make phone calls or go to insurance agents' offices. Comparing online rate quotes has reduced the need for local agents unless you have a complicated situation and need the professional advice that can only be provided by a licensed insurance agent. It is possible with some companies obtain prices from the web and still use a local agent.

The companies shown below offer price comparisons in Denver, CO. If multiple companies are listed, we suggest you get rates from several of them in order to find the lowest rates.

Mazda 5 Insurance Cost Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $204 $368 $314 $18 $94 $998 $83
5 Touring Station Wagon $190 $362 $314 $18 $94 $978 $82
5 Grand Touring Station Wagon $212 $388 $286 $16 $86 $988 $82
Get Your Own Custom Quote Go

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in Denver location which can influence premiums noticeably.

Raise deductibles and save

One common question asked by Denver drivers is the level to set your comp and collision deductibles. The premium rates below may help to conceptualize the difference in cost when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Mazda 5 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $236 $376 $298 $18 $90 $1,043 $87
5 Touring Station Wagon $272 $458 $298 $18 $90 $1,161 $97
5 Grand Touring Station Wagon $272 $458 $298 $18 $90 $1,161 $97
Get Your Own Custom Quote Go
Mazda 5 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $146 $236 $298 $18 $90 $788 $66
5 Touring Station Wagon $168 $288 $298 $18 $90 $862 $72
5 Grand Touring Station Wagon $168 $288 $298 $18 $90 $862 $72
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in your specific Denver location which can decrease or increase prices substantially.

Based on the data above, we can derive that using a $250 deductible costs approximately $24 more each month or $288 each year than opting for the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 31 months between claim filings, you would probably be better off if you choose the higher deductible.

Get Mazda 5 Insurance at a Discount

Many things are considered when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, although some other factors are less apparent like where you live or your vehicle rating. Part of the auto insurance buying process is learning the different types of things that help determine the rates you pay for auto insurance. When you know what positively or negatively determines base rates, this allows you to make good choices that can earn you lower rates.

When to contact an insurance agent

Many drivers would rather talk to an insurance agent and that is recommended in a lot of cases Professional agents can answer important questions and will help you if you have claims. The biggest benefit of comparing rates online is you can get cheap auto insurance rates and still buy from a local agent.

Find insurance agent in DenverOnce you complete this form (opens in new window), the coverage information is instantly submitted to participating agents in Denver that give free quotes for your business. There is no reason to search for an agent since rate quotes are delivered straight to your inbox. If you wish to compare prices from a specific insurance company, feel free to navigate to their website and fill out the quote form the provide.

Finding the right insurer shouldn't rely on just the premium amount. Here are some questions to ask:

Shown below are Denver insurers that may be willing to give comparison quotes for Mazda 5 insurance in Denver.

2839 Wyandot St - Denver, CO 80211 - (720) 588-4111 - View Map

Alan Deines - State Farm Insurance Agent
2120 S Ash St Unit 150 - Denver, CO 80222 - (303) 388-4400 - View Map

400 S Colorado Blvd #890 - Denver, CO 80246 - (303) 321-0895 - View Map

44 Cook St #100 - Denver, CO 80206 - (303) 650-0060 - View Map

More Denver agents

If you receive satisfactory answers to all your questions as well as a price you're happy with, you've probably found a company that can be relied on to properly insure your vehicles.

Insurance in Colorado serves several purposes

Even though it's not necessarily cheap to insure a Mazda in Denver, buying insurance is required in Colorado but it also protects you in many ways.

The benefits of having insurance outweigh the cost, particularly if you ever have a claim. An average driver in America is wasting up to $820 a year so compare quotes from several companies once a year at a minimum to ensure rates are inline.

Find affordable rates by comparing often

The cheapest Mazda 5 insurance in Denver can be purchased from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies do not offer rates over the internet and many times these small insurance companies only sell through independent insurance agents.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, but don't skip important coverages to save money.

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