Are you searching for more competitive car insurance rates in Denver, CO? Denver buyers have options when searching for affordable Mazda 3 insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to compare rates. There are both good and bad ways to shop for car insurance so we're going to tell you the quickest way to quote coverages on a Mazda and get the cheapest rates either online or from Denver insurance agents.
Quote Denver Mazda 3 insurance online
Finding a lower price on insurance is an easy way to save money. Consumers just need to spend a little time comparing rates from different insurance companies.
The companies shown below have been selected to offer quotes in Denver, CO. If the list has multiple companies, we recommend you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|3 I Sport 4-Dr Sedan||$190||$362||$396||$24||$118||$1,090||$91|
|3 I SV 4-Dr Sedan||$190||$362||$368||$22||$110||$1,052||$88|
|3 I Touring 4-Dr Sedan||$264||$528||$358||$22||$108||$1,280||$107|
|3 S Sport 4-Dr Hatchback||$284||$434||$460||$28||$138||$1,344||$112|
|3 S Sport 4-Dr Sedan||$190||$340||$352||$20||$106||$1,008||$84|
|3 S Grand Touring 4-Dr Hatchback||$214||$448||$396||$24||$118||$1,200||$100|
|3 S Grand Touring 4-Dr Sedan||$330||$630||$358||$22||$108||$1,448||$121|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in Denver location which can increase or decrease rates greatly.
Reckless driving habits raise Denver auto insurance rates
The example below illustrates how speeding tickets and at-fault collisions can impact Mazda 3 insurance costs for different age groups of insureds. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Why insurance is not optional
Despite the potentially high cost of Mazda 3 insurance, insuring your vehicle serves a purpose in several ways.
First, almost all states have minimum liability requirements which means you are required to buy specific minimum amounts of liability protection if you want to drive legally. 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, it's most likely the lender will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the bank may buy a policy for your Mazda for a much higher rate and force you to pay much more than you were paying before.
Third, insurance protects your vehicle and your assets. It will also cover medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your car are definitely more than the cost, especially if you ever need it. The average driver in Colorado is overpaying over $820 a year so compare rates at every renewal to make sure the price is not too high.
Lower rate quotes on Mazda 3 insurance in Denver with these discounts
Buying car insurance is not cheap, but you might find some hidden discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but some need to be requested specifically prior to receiving the credit.
- ABS and Traction Control Discounts - Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
- Own a Home - Simply owning a home may earn you a small savings because of the fact that having a home is proof of financial responsibility.
- Buy New and Save - Buying a new car instead of a used 3 can save you some money because newer models are generally safer.
- Student in College - Older children who are attending college without a vehicle on campus may be insured at a cheaper rate.
- Onboard Data Collection - Drivers that enable their company to look at when and where they use their vehicle by using a telematics device in their vehicle such as Progressive's Snapshot may see discounts if they have good driving habits.
- No Claims - Good drivers with no accidents can save substantially when compared to bad drivers.
- Policy Bundle Discount - If you can bundle your homeowners and auto insurance with one company you may earn at least 10% off all policies.
- Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
- E-sign - Some larger companies will provide an incentive for signing up on your computer.
As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it appears it's possible to get free car insurance, it doesn't quite work that way. But all discounts should help lower your policy premium.
To locate insurers that offer multiple discounts in Colorado, click this link.
When to get advice from a local insurance agent
Many people would prefer to talk to a local agent and that is not a bad decision Professional agents are trained risk managers and give you someone to call. A good thing about comparing insurance online is you can get cheap insurance quotes and still choose a local agent.
For easy comparison, once you complete this form (opens in new window), the quote information gets sent to local insurance agents who will give you quotes to get your business. It makes it easy because there is no need to even leave your home because quoted prices will be sent straight to your inbox. If for some reason you want to get a rate quote from a particular provider, you would need to navigate to their website to submit a rate quote request.
Picking an insurance company shouldn't rely on just the price. You should also get answers to these questions.
- Does the quote include credit and driving reports?
- Do they have a Better Business Bureau rating in Denver?
- Will the agent help in case of a claim?
- Are they able to provide referrals?
- Does the agent have a valid license to sell insurance in Colorado?
If you're trying to find a reliable insurance agency, it's helpful to know the types of agencies that differ in how they can insure your vehicles. Insurance agents in Denver can either be independent agents or exclusive agents depending on their employer. Either type can sell affordable insurance policies, but it's important to know the subtle differences because it can influence buying decisions.
Exclusive Insurance Agencies
Agents of this type generally can only insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to provide rate quotes from other companies so you need to shop around if the rates are high. They are usually well trained on their products and sales techniques and that can be a competitive advantage. Consumers often buy insurance from these agents primarily because of the brand name rather than low rates.
Shown below are exclusive agencies in Denver that can give you rate quotes.
- Farmers Insurance - Angel Le
1145 S Federal Blvd - Denver, CO 80219 - (303) 975-8911 - View Map
- Tiffany Meidinger - State Farm Insurance Agent
1100 Acoma St - Denver, CO 80204 - (720) 508-8760 - View Map
- Alan Deines - State Farm Insurance Agent
2120 S Ash St Unit 150 - Denver, CO 80222 - (303) 388-4400 - View Map
Independent Agents (or Brokers)
Agents that elect to be independent are not required to write business for one company so they can insure your vehicles through lots of different companies and help determine which has the cheapest rates. If prices rise, they simply switch companies in-house and you won't have to switch agencies. When comparing insurance rates, you will definitely want to get several quotes from several independent insurance agents to maximize your price options. Many independent agencies also insure through companies that do not advertise much which may have better rates.
Shown below is a short list of independent agencies in Denver willing to provide comparison quotes.
- Westwood Insurance
57 W Alameda Ave - Denver, CO 80223 - (303) 722-2841 - View Map
- Moody Insurance Agency
8055 E Tufts Ave #1000 - Denver, CO 80237 - (303) 824-6600 - View Map
- All Insurance Agency
67 Knox Ct - Denver, CO 80219 - (303) 935-3661 - View Map
You can lower your insurance rates
As you restructure your insurance plan, it's very important that you do not reduce needed coverages to save money. There are too many instances where someone dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.
Discount Mazda 3 insurance in Denver can be found from both online companies and from local agencies, so you need to quote Denver car insurance with both to have the best rate selection. Some companies do not provide rate quotes online and most of the time these smaller providers only sell through local independent agents.
Drivers change insurance companies for a variety of reasons including policy cancellation, extreme rates for teen drivers, not issuing a premium refund and even questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.
For more information, link through to the following helpful articles:
- Older Driver Statistics (Insurance Information Institute)
- Who Has Cheap Auto Insurance for 16 Year Olds in Colorado? (FAQ)
- What Auto Insurance is Cheapest for Single Moms in Colorado? (FAQ)
- What Auto Insurance is Cheapest for Nurses in Colorado? (FAQ)
- Who Has Cheap Auto Insurance for Lyft Drivers in Colorado? (FAQ)
- Senior Drivers (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Electronic Stability Control FAQ (iihs.org)
- Driving in Bad Weather (Insurance Information Institute)