Insurance rates Mazda 6 in DenverWould you like to buy low-cost Mazda 6 insurance in Denver? No car owner enjoys paying for auto insurance, in particular when the cost is way too high.

Inconceivable but true, most consumers have been with the same company for over three years, and 38% of drivers have never compared rate quotes at all. Colorado consumers could save about 35% each year, but they mistakenly think it's difficult to compare rates online.

Many car insurance companies vie for your business, so it's not easy to compare every provider to find the absolute best rate on Mazda 6 insurance in Denver.

Cheapest Mazda insurance price quotes in Denver

The companies in the list below have been selected to offer comparison quotes in Denver, CO. If more than one company is shown, we recommend you visit two to three different companies to get the cheapest price.

Mazda 6 Insurance Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $252 $368 $460 $28 $138 $1,246 $104
6 I SV 4-Dr Sedan $144 $282 $368 $22 $110 $926 $77
6 I Touring 4-Dr Sedan $252 $368 $460 $28 $138 $1,246 $104
6 I Touring Plus 4-Dr Sedan $284 $368 $460 $28 $138 $1,278 $107
6 I Touring Plus 4-Dr Sedan $162 $296 $396 $24 $118 $996 $83
6 I Grand Touring 4-Dr Sedan $264 $528 $396 $24 $118 $1,330 $111
6 S Touring Plus 6 Cyl 4-Dr Sedan $214 $426 $368 $22 $110 $1,140 $95
6 S Touring Plus 4-Dr Sedan $182 $384 $456 $28 $136 $1,186 $99
6 S Grand Touring 4-Dr Sedan $300 $620 $426 $26 $128 $1,500 $125
6 S Grand Touring 6 Cyl 4-Dr Sedan $146 $282 $330 $20 $98 $876 $73
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in your specific Denver location which can impact prices noticeably.

Accidents and violations increase rates

The information below highlights how speeding tickets and at-fault claims influence Mazda 6 insurance costs for different insured age categories. Data assumes a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Where to set your deductibles

One common question asked by Denver drivers is which comprehensive and collision deductibles to buy. The comparisons below can help illustrate the cost difference between low and high comp and collision deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Mazda 6 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
6 I SV 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
6 I Touring 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
6 I Touring Plus 4-Dr Sedan $342 $546 $352 $20 $106 $1,391 $116
6 I Touring Plus 4-Dr Sedan $342 $546 $352 $20 $106 $1,391 $116
6 I Grand Touring 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
6 S Touring Plus 6 Cyl 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
6 S Touring Plus 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
6 S Grand Touring 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
6 S Grand Touring 6 Cyl 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Get Your Own Custom Quote Go
Mazda 6 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $168 $288 $352 $20 $106 $934 $78
6 I SV 4-Dr Sedan $168 $288 $352 $20 $106 $934 $78
6 I Touring 4-Dr Sedan $168 $288 $352 $20 $106 $934 $78
6 I Touring Plus 4-Dr Sedan $190 $288 $352 $20 $106 $956 $80
6 I Touring Plus 4-Dr Sedan $190 $288 $352 $20 $106 $956 $80
6 I Grand Touring 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
6 S Touring Plus 6 Cyl 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
6 S Touring Plus 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
6 S Grand Touring 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
6 S Grand Touring 6 Cyl 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can revise coverage rates considerably.

We can estimate from the data above that using a $100 deductible will cost you roughly $38 more each month or $456 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 24 months between claims, you would probably be better off going with the higher deductible.

Auto insurance rates by age and gender

The chart below shows the difference between Mazda 6 car insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

You may qualify for discounts for Mazda 6 insurance in Denver

Some insurance providers don't list all possible discounts in a way that's easy to find, so the next list breaks down a few of the more common and also the more inconspicuous savings tricks you should be using when you buy Denver car insurance online.Save money with discounts

As is typical with insurance, most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it's possible to get free car insurance, insurance companies wouldn't stay in business. Any amount of discount will lower the cost of coverage.

Popular auto insurance companies and their possible discounts are:

When quoting, ask every prospective company to give you their best rates. Some credits might not be offered on policies everywhere. If you would like to choose from a list of providers that offer discounts in Colorado, follow this link.

Insurance agent or online?

A lot of people would rather get professional advice from a licensed agent and that is a smart decision The biggest benefit of comparing insurance prices online is that you can obtain the best rates and still have a local agent. Buying from and supporting local insurance agencies is especially important in Denver.

Denver insurance agentsFor easy comparison, once you complete this quick form, your insurance data is transmitted to local insurance agents who want to provide quotes and help you find cheaper coverage. It's much easier because you don't need to leave your computer as quotes are delivered to your email. It's the lowest rates AND a local agent. If you have a need to compare prices from a specific insurance company, don't hesitate to go to their quote page and submit a quote form there.

When finding a reliable insurance agency, it's important to understand the different agency structures and how they differ in how they can insure your vehicles. Auto insurance agencies can be described as either exclusive or independent.

Independent Agents (or Brokers)

Agents that choose to be independent do not write with just one company and that is an advantage because they can write policies through many different auto insurance companies and get the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

When searching for an agent, we highly recommend that you contact several independent agencies for the best price selection.

Featured below is a short list of independent insurance agencies in Denver that can give you price quotes.

1777 W 38th Ave #102 - Denver, CO 80211 - (303) 477-0505 - View Map

7900 E Union Ave #200 - Denver, CO 80237 - (303) 752-5806 - View Map

645 E Evans Ave - Denver, CO 80210 - (303) 744-1341 - View Map

More insurance agents

Exclusive Agencies

These agents work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to place coverage with different providers so keep that in mind. Exclusive agencies are highly trained in insurance sales and that can be a competitive advantage.

The following are Denver exclusive insurance agencies that are able to give price quote information.

Tammy Hill - State Farm Insurance Agent
4650 Tower Rd Unit 101 - Denver, CO 80249 - (303) 373-9500 - View Map

1100 S Shoshone St - Denver, CO 80223 - (303) 922-1001 - View Map

3401 Quebec St Ste 9400 - Denver, CO 80207 - (303) 377-4767 - View Map

More insurance agents

Finding the right car insurance agent should include more criteria than just the price. Any agent in Denver should be forthright in answering these questions:

Situations that may require an agent's advice

Always keep in mind that when comparing adequate coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's situation is unique.Auto insurance savings

These are some specific questions might point out whether your personal situation might need an agent's assistance.

If you're not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverages explained

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, hitting a deer and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Collision coverage protection

This covers damage to your 6 resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible on your 6 to get cheaper collision coverage.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/15 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $15,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as legal defense fees, bail bonds and structural damage. The amount of liability coverage you purchase is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. Colorado state law requires minimum liability limits of 25/50/15 but drivers should carry better liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses like EMT expenses, pain medications, doctor visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Mazda 6.

Since a lot of drivers only carry the minimum required liability limits (25/50/15 in Colorado), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Persistence is the key to cheaper rates

Some insurance companies do not offer online rate quotes and these regional insurance providers provide coverage only through local independent agents. The cheapest Mazda 6 insurance in Denver is definitely available from both online companies as well as from independent agents in Denver, and you need to comparison shop both to have the best chance of lowering rates.

When getting Denver car insurance quotes online, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret they didn't purchase enough coverage. Your goal should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

People change insurance companies for a variety of reasons including questionable increases in premium, lack of trust in their agent, delays in responding to claim requests or even policy non-renewal. It doesn't matter why you want to switch switching companies is less work than it seems.

Even more information can be found in the articles below: