No car owner likes having to buy insurance, especially when the price is too high.

Discount Mazda CX-9 insuranceRegrettably, almost 70% of drivers kept their coverage with the same insurance company for at least four years, and practically 40% of insurance customers have never quoted rates to find cheap coverage. Drivers in Aurora can cut their rates by as much as 35% a year just by shopping around, but they assume it's a waste of time to save money by comparing rate quotes.

Multiple car insurance companies compete to insure your vehicles, so it's not easy to compare every insurance company to find the lowest cost out there.

Companies offering competitive Mazda CX-9 price quotes in Aurora, CO

The following companies provide price quotes in Aurora, CO. If several companies are displayed, we suggest you visit several of them to get a more complete price comparison.

Mazda CX-9 Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $162 $296 $396 $24 $118 $996 $83
CX-9 Grand Touring 2WD $276 $534 $474 $28 $142 $1,454 $121
CX-9 Sport AWD $194 $370 $338 $20 $100 $1,022 $85
CX-9 Touring 2WD $294 $630 $368 $22 $110 $1,424 $119
CX-9 Touring AWD $278 $496 $362 $22 $108 $1,266 $106
CX-9 Grand Touring AWD $378 $662 $474 $28 $142 $1,684 $140
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Table data does not factor in specific location which can lower or raise rates considerably.

Comparison of full coverage and liability-only policies

The illustration below examines Mazda CX-9 insurance prices with full physical damage coverage compared to only buying liability only. The premiums are based on no accidents or driving violations, $100 deductibles, married male driver, and no additional discounts are factored in.

When to switch to liability coverage only

There is no set guideline to drop physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Mazda CX-9 replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying the physical damage deductible. If you are paying in excess of $200 a year for your policy with full coverage, then it might be time to buy liability only.

There are some situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Comparison of policy deductibles

The hardest decision when buying coverage is how high should your deductibles be. The data tables below outline the premium difference when you choose different physical damage deductibles. The first data set uses a $100 deductible and the second rate chart uses a $500 deductible.

Mazda CX-9 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $342 $546 $352 $20 $106 $1,391 $116
CX-9 Grand Touring 2WD $342 $644 $352 $20 $106 $1,489 $124
CX-9 Sport AWD $342 $644 $352 $20 $106 $1,489 $124
CX-9 Touring 2WD $342 $644 $352 $20 $106 $1,489 $124
CX-9 Touring AWD $342 $644 $352 $20 $106 $1,489 $124
CX-9 Grand Touring AWD $380 $644 $352 $20 $106 $1,527 $127
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Mazda CX-9 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $250 $368 $352 $20 $106 $1,096 $91
CX-9 Grand Touring 2WD $250 $434 $352 $20 $106 $1,162 $97
CX-9 Sport AWD $250 $434 $352 $20 $106 $1,162 $97
CX-9 Touring 2WD $250 $434 $352 $20 $106 $1,162 $97
CX-9 Touring AWD $250 $434 $352 $20 $106 $1,162 $97
CX-9 Grand Touring AWD $278 $434 $352 $20 $106 $1,190 $99
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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, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle location which can revise premium rates greatly.

Based on these figures, using a $100 deductible will cost in the ballpark of $27 more each month or $324 a year than choosing the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 15 months between claim filings, you would save money if you decide on a higher deductible.

Determine discounts on Aurora car insurance

Car insurance companies don't always advertise every possible discount very well, so below is a list some of the best known and also the more inconspicuous car insurance savings.

Remember that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn't be very happy.

Larger car insurance companies and the discounts they provide can be read below.

Check with each company how many discounts you can get. Discounts may not apply to policies in every state. To see a list of insurers that offer the discounts shown above in Colorado, click this link.

When to contact an insurance agent

Many drivers just prefer to get advice from a local agent and doing so can bring peace of mind The best thing about comparing rate quotes online is that you can find cheaper prices and still buy from a local agent.

Insurance agency in AuroraUpon completion of this form (opens in new window), your insurance coverage information gets sent to local insurance agents that provide free Aurora car insurance quotes and help you find cheaper coverage. There is no need to contact an agency as quotes are delivered to you directly. You can get cheaper auto insurance rates and a licensed agent to talk to. If you need to get a price quote from one company in particular, you can always visit that company's website to submit a rate quote request.

Deciding on an insurer should depend on more than just the quoted price. Any agent in Aurora should have no problem answering these questions:

When researching a local insurance agency, it's important to understand the different types of agents and how they can service your needs differently. Aurora agents are either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Exclusive insurance agents generally can only insure with one company and examples are State Farm, AAA, and Liberty Mutual. They generally cannot provide rate quotes from other companies so it's a take it or leave it situation. Exclusive agents are highly trained on their company's products and that allows them to sell at a higher price point.

Listed below is a list of exclusive agents in Aurora who may provide you with comparison quotes.

4272 S Chambers Rd - Aurora, CO 80014 - (303) 699-3327 - View Map

2260 S Xanadu Way Ste 257 - Aurora, CO 80014 - (303) 750-6508 - View Map

12201 E Mississippi Ave #105 - Aurora, CO 80012 - (303) 695-6262 - View Map

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Independent Auto Insurance Agents

Agents that elect to be independent are not limited to a single company and that allows them to write policies through many companies and find you the best rates. To move your coverage to a new company, they can switch companies in-house and you don't have to find a new agent.

When shopping rates, you will definitely want to get rate quotes from several independent insurance agents for maximum quote selection.

The following is a short list of independent agencies in Aurora that can give you price quote information.

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

2228 S Fraser St #2 - Aurora, CO 80014 - (303) 693-9343 - View Map

A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map

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Final considerations

As you restructure your insurance plan, never reduce needed coverages to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to find out that it was a big error on their part. The goal is to buy enough coverage at the best possible price while still protecting your assets.

Affordable Mazda CX-9 insurance in Aurora can be bought online and also from your neighborhood Aurora agents, so you need to shop Aurora car insurance with both to have the best rate selection. A few companies don't offer rates over the internet and these smaller companies work with independent agencies.

We just covered a lot of tips how to compare Mazda CX-9 insurance rates in Aurora. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the best rates are with a company that doesn't do a lot of advertising. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

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