Do you need a better way to compare more affordable Mazda CX-9 insurance in Fort Collins? I really doubt anyone is fond of buying auto insurance, especially when they know the cost is too high.
A study showed that the vast majority of drivers renewed their policy with the same company for more than four years, and just short of a majority have never quoted auto insurance rates at all. The average driver in Colorado can save hundreds of dollars each year just by shopping around, but they underestimate the amount of savings they would get if they switch to a new company. People have many car insurance companies to choose from, and although it's a good thing to have multiple companies, it can be more difficult to find a good deal for Mazda CX-9 insurance in Fort Collins.
It is always a good idea to shop coverage around before your next renewal because auto insurance prices tend to go up over time. Just because you had the best quotes on Mazda CX-9 insurance in Fort Collins a year ago other companies may now be cheaper. Forget all the misinformation about auto insurance because you're going to learn the fastest and easiest way to find lower rates on auto insurance.
The companies in the list below have been selected to offer price comparisons in Colorado. If several companies are displayed, we suggest you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CX-9 Sport 2WD||$236||$380||$330||$20||$98||$1,064||$89|
|CX-9 Grand Touring 2WD||$172||$312||$362||$22||$108||$976||$81|
|CX-9 Sport AWD||$294||$630||$368||$22||$110||$1,424||$119|
|CX-9 Touring 2WD||$236||$448||$330||$20||$98||$1,132||$94|
|CX-9 Touring AWD||$238||$458||$338||$20||$100||$1,154||$96|
|CX-9 Grand Touring AWD||$292||$534||$330||$20||$98||$1,274||$106|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in Fort Collins location which can modify insurance rates noticeably.
Impact of age and gender on auto insurance rates
The diagram below compares Mazda CX-9 auto insurance rates for male and female drivers. The information is based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Cost difference between full coverage and liability
The illustration below visualizes the comparison of Mazda CX-9 car insurance costs with and without physical damage coverage. The price estimates are based on no claims or violations, $100 deductibles, single male driver, and no discounts are applied to the premium.
When to buy liability coverage only
There isn't a written rule to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let's say your Mazda CX-9 book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some cases where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
The chart below illustrates how choosing a deductible and can impact Mazda CX-9 insurance prices for different age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Earn discounts on Fort Collins car insurance
Not too many consumers would say car insurance is affordable, but there's a good chance there are discounts to cut the cost considerably. A few discounts will be applied when you quote, but a few need to be manually applied before being credited.
- Low Mileage - Maintaining low annual mileage can earn substantially lower rates.
- Full Payment Discount - If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
- Telematics Data - Insureds who allow companies to spy on driving patterns by using a telematics device in their vehicle such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease if they show good driving skills.
- Discount for New Cars - Buying a new car instead of a used CX-9 can get you a discount due to better safety requirements for new vehicles.
- Mature Driver Discount - Older drivers can possibly qualify for lower premium rates.
Don't be surprised that many deductions do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it just doesn't work that way.
A few of the larger companies and some of the premium reductions they offer are included below.
- GEICO offers premium reductions for air bags, military active duty, federal employee, membership and employees, anti-theft, and daytime running lights.
- SAFECO may offer discounts for bundle discounts, safe driver, anti-theft, teen safe driver, drive less, multi-car, and teen safety rewards.
- State Farm offers discounts including defensive driving training, Drive Safe & Save, passive restraint, anti-theft, and Steer Clear safe driver discount.
- MetLife discounts include claim-free, accident-free, multi-policy, defensive driver, good driver, good student
- 21st Century offers discounts for automatic seat belts, homeowners, good student, teen driver, anti-lock brakes, student driver, and driver training.
- Progressive has savings for homeowner, online quote discount, online signing, good student, continuous coverage, multi-policy, and multi-vehicle.
If you need cheaper Fort Collins car insurance quotes, ask every prospective company which discounts they offer. Some discounts might not apply in Fort Collins. To see companies that provide some of the discounts listed above in Colorado, follow this link.
Buy Mazda CX-9 Insurance for Less
Many things are taken into consideration when you get your auto insurance bill. Some are obvious like your driving record, although some other factors are less obvious such as your marital status or how safe your car is. Smart consumers have a good feel for the different types of things that are used to determine your policy premiums. If you know what determines base rates, this empowers consumers to make smart changes that may result in cheaper rates.
Your age impacts your rates - Drivers with little experience tend to get distracted easily when behind the wheel so insurance rates are higher. Older people tend to be more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.
Rates impacted by vehicle usage - The more you drive in a year's time the more you'll pay to insure it. Almost all companies rate vehicles based on how the vehicle is used. Cars that are left in the garage get more affordable rates compared to those used for work or business. Incorrect rating for your CX-9 can cost quite a bit. It's always a good idea to double check that your insurance policy reflects the correct usage, because it can save money.
An insurance policy lapse is a bad thing - Having a gap between insurance policy dates can be a sure-fire way to increase your insurance rates. Not only will you pay higher rates, getting caught without coverage may result in fines and jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Colorado motor vehicle department to get your license reinstated.
Credit rating impacts prices - Your credit score can be a huge factor in calculating your insurance rates. Insureds that have very good credit scores tend to be less risk to insure than drivers with lower credit scores. Therefore, if your credit can be improved, you could save money insuring your Mazda CX-9 if you improve your credit rating.
Eliminate extra policy coverages - There are a lot of extra add-on coverages that you can buy on your insurance policy. Things like rental car reimbursement, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing when discussing your needs, but if you have no use for them remove them and pocket the money.
Prevent theft and save - Choosing to buy a car with a theft deterrent system can save you some money. Systems that thwart theives like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
Insurance loss probability for a Mazda CX-9 - Insurance companies analyze past claim statistics when setting premium rates. Models that tend to have higher frequency or amount of claims will have a higher cost to insure.
The next table illustrates the historical loss data for Mazda CX-9 vehicles. For each insurance policy coverage type, the loss probablilty for all vehiclescombined as an average is a value of 100. Values that are under 100 imply a favorable loss record, while values that are above 100 indicate frequent claims or an increased likelihood of larger losses.
Mazda CX-9 Insurance Loss Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Mazda CX-9 4dr 2WD||87||108||74||87||95||89|
|Mazda CX-9 4dr 4WD||89||109||92||80||76||77|
Statistics from IIHS.org for 2013-2015 Model Years
Shop online but buy locally
Some consumers just want to buy from a local agent and doing that can be a smart decision Professional agents can help you build your policy and help submit paperwork. The best thing about getting free rate quotes online is that drivers can save money and get cheap insurance quotes but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is instantly submitted to participating agents in Fort Collins who will give you quotes for your business. There is no reason to contact any insurance agencies because prices are sent straight to your inbox. If for some reason you want to quote rates from a particular provider, just search and find their rate quote page and submit a quote form there.
Finding a good provider requires more thought than just a cheap price. Any agent in Fort Collins should be forthright in answering these questions:
- Which insurance companies are they affiliated with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Which insurance company do they prefer to write with?
- Will your rates increase after a single accident?
- Will the agent or a CSR service your policy?
When narrowing the list to find a good insurance agency, it's important to understand the types of agencies and how they function. Fort Collins agents can be categorized as either independent agents or exclusive agents depending on their employer. Either type can provide insurance policies, but it is a good idea to know the subtle differences since it can affect the type of agent you choose.
Exclusive Insurance Agents
These agents work for only one company like Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot compare other company's rates so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on their company's products and that enables them to sell even at higher rates.
Listed below is a list of exclusive insurance agencies in Fort Collins who may provide you with price quotes.
Independent agencies are not required to write business for one company so they can quote policies with any number of different companies and get you the best rates possible. If prices rise, they simply switch companies in-house and that require little work on your part.
If you are trying to find cheaper rates, it's a good idea to include price quotes from at least one independent agent in order to compare the most rates.
The following is a list of independent agents in Fort Collins who can help you get price quotes.
Are auto insurance companies telling the truth?
Colorado consumers can't get away from all the ads that promise big savings for switching from companies such as State Farm, Allstate and GEICO. All the ads have a common claim that drivers will save a bundle if you just switch your auto insurance policy to them.
But how can every company make the same claim? This is the trick they use.
Insurance providers have specific guidelines for the type of driver that will not have excessive claims. For example, this type of insured should be a married male, owns a home, and drives a safe vehicle. A propective insured who fits those characteristics is entitled to the best price and have a good chance to save when switching.
Potential insureds who fall outside those criteria will probably have to pay higher prices with the end result being the customer buying from a different company. If you listen to the ad wording, they say "people that switch" not "everybody who quotes" can save as much as they claim. That's the way companies can make those claims. Different companies use different criteria so drivers must do a rate comparison at every renewal. It is just not possible to predict which company will give you lower rates than your current company.
Find cheap car insurance rates by comparing often
We covered a lot of information how to shop for Mazda CX-9 insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest auto insurance rates are with the smaller companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.
When shopping online for car insurance, do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your goal is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.
More tips and info about car insurance can be found at these sites:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- What is the Best Cheap Auto Insurance in Fort Collins, CO? (FAQ)
- What Car Insurance is Cheapest in Littleton, Colorado? (FAQ)
- What Auto Insurance is Cheapest for Veterans in Colorado? (FAQ)
- How Much are Colorado Auto Insurance Rates for Police Officers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Inexperienced Drivers in Colorado? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)