Insurance quote for Mazda CX-9 in Colorado SpringsWant to learn the secrets to finding lower-priced Mazda CX-9 insurance in Colorado Springs? If shopping for Colorado Springs auto insurance quotes online is new to you, there's a good chance you are bewildered thanks to all the different types of insurance companies all promising to save you money.

A recent insurance study discovered that nearly 70% of consumers have remained with the same insurance company for well over three years, and just under half have never shopped around. Colorado Springs drivers can cut their rates by as much as 35% a year, but they just don't understand the large savings they would see if they bought a different policy.

You should make it a habit to price shop coverage every six months due to the fact that insurance prices tend to go up over time. Even if you got the lowest rate on Mazda CX-9 insurance in Colorado Springs at your last renewal there may be better deals available now. You can find a lot of wrong information about CX-9 insurance out there, but in just a couple of minutes you can learn some excellent ideas to save money.

Low-cost companies for Mazda CX-9 insurance in Colorado

The car insurance companies shown below offer comparison quotes in Colorado. If multiple providers are shown, we recommend you visit as many as you can in order to get a fair rate comparison.

Mazda CX-9 Insurance Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $216 $288 $460 $28 $138 $1,130 $94
CX-9 Grand Touring 2WD $238 $458 $338 $20 $100 $1,154 $96
CX-9 Sport AWD $226 $400 $362 $22 $108 $1,118 $93
CX-9 Touring 2WD $294 $662 $396 $24 $118 $1,494 $125
CX-9 Touring AWD $264 $528 $396 $24 $118 $1,330 $111
CX-9 Grand Touring AWD $270 $426 $358 $22 $108 $1,184 $99
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in specific Colorado Springs garaging location which can lower or raise prices significantly.

Policy deductibles

The example below illustrates how choosing a deductible and can raise or lower Mazda CX-9 insurance premiums for different age groups of insureds. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The information below shows the comparison of Mazda CX-9 car insurance rates with and without full coverage. The information is based on no tickets, no at-fault accidents, $250 deductibles, married female driver, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There is no exact formula of when to eliminate comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your Mazda CX-9 replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying over $400 a year for full coverage, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not recommended. If you haven't satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.

Policy deductible comparison

One common question asked by Colorado Springs drivers is what deductibles to buy. The tables below highlight the differences in premium rates when you choose different comp and collision deductibles. The first rate comparisons uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Mazda CX-9 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $306 $458 $352 $20 $106 $1,267 $106
CX-9 Grand Touring 2WD $306 $538 $352 $20 $106 $1,347 $112
CX-9 Sport AWD $306 $538 $352 $20 $106 $1,347 $112
CX-9 Touring 2WD $306 $538 $352 $20 $106 $1,347 $112
CX-9 Touring AWD $306 $538 $352 $20 $106 $1,347 $112
CX-9 Grand Touring AWD $342 $538 $352 $20 $106 $1,383 $115
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Mazda CX-9 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $190 $288 $352 $20 $106 $956 $80
CX-9 Grand Touring 2WD $190 $340 $352 $20 $106 $1,008 $84
CX-9 Sport AWD $190 $340 $352 $20 $106 $1,008 $84
CX-9 Touring 2WD $190 $340 $352 $20 $106 $1,008 $84
CX-9 Touring AWD $190 $340 $352 $20 $106 $1,008 $84
CX-9 Grand Touring AWD $210 $340 $352 $20 $106 $1,028 $86
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific garaging location which can change auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $28 more each month or $336 every year than buying the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 27 months between claim filings, you would probably save some money by going with a higher deductible. The table below shows the way this decision is made.

Average monthly premium for $250 deductibles: $112
Average monthly premium for $1,000 deductibles (subtract): - $84
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One thing to note is that a higher deductible means you will have to pay more when you have a claim. You need to make sure you have some extra savings in order to pay the deductible for vehicle repair.

Cheaper Colorado Springs car insurance rates with discounts

Insurance can be prohibitively expensive, but there may be some discounts to help offset the cost. A few discounts will be applied when you quote, but occasionally some discounts must be inquired about prior to receiving the credit.Discount car insurance

You should keep in mind that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

Companies and some of their more popular discounts are outlined below.

Double check with each company which discounts you may be entitled to. Savings may not apply in Colorado Springs. To see a list of insurance companies who offer free Mazda CX-9 insurance quotes in Colorado, follow this link.

Do I just need basic coverages?

When quoting and comparing insurance from an agent or online, there really is not a best way to insure your cars. You are unique.Insurance savings

For example, these questions may help you determine whether your personal situation would benefit from an agent's advice.

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

When to talk to an agent

A small number of people still prefer to buy from a licensed agent. One of the best bonuses of comparing rate quotes online is that you can find cheap car insurance quotes and also buy local.

For easy comparison, once you complete this quick form, your information is instantly submitted to companies in Colorado Springs who will give you bids for your coverage. There is no reason to drive around since rate quotes are delivered to the email address you provide. You can find the lowest rates and a licensed agent to work with. If you have a need to compare rates from a particular provider, you can always go to their quote page and fill out the quote form the provide.

Choosing a provider requires more thought than just a low price. The following questions are important to ask.

Colorado Springs auto insurance agents come in two flavors

If you would like to find a reputable agency, you should know the different agency structures and how they work. Agents in Colorado Springs can be categorized as either independent or exclusive depending on the company they work for.

Exclusive Car Insurance Agencies

Agents in the exclusive channel generally can only insure with one company like Allstate and State Farm. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. These agents receive a lot of sales training on sales techniques which helps offset the inability to provide other markets. Drivers often choose to use a exclusive agent mainly due to loyalty to the company rather than having low rates.

Below is a list of exclusive agents in Colorado Springs that can give you price quote information.

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Independent Insurance Agents

Agents that elect to be independent can sell policies from many different companies and that is an advantage because they can write policies through lots of different companies and potentially find a lower price. If your premiums go up, they can switch companies in-house and you don't have to find a new agent.

If you are comparing rate quotes, you need to include price quotes from a few independent agents so that you have a good selection of quotes to compare. Many independent agencies also insure through additional companies that you may not be familiar with that many times have cheaper rates.

The following are Colorado Springs independent insurance agents who can help you get comparison quotes.

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Auto insurance coverages explained

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for X-ray expenses, nursing services, pain medications and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a deer, theft and vandalism. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Mazda CX-9.

Since a lot of drivers only carry the minimum required liability limits (Colorado limits are 25/50/15), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

Collision insurance pays for damage to your CX-9 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, colliding with a tree, backing into a parked car, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your CX-9 to save money on collision insurance.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people, and doesn't cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/15 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $15,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, funeral expenses, bail bonds, court costs and medical services. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford. Colorado requires drivers to carry at least 25/50/15 but drivers should carry more liability than the minimum.

Smart consumers save more

Budget-friendly insurance in Colorado Springs can be bought both online and from local insurance agents, so you need to shop Colorado Springs auto insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer online rate quotes and these smaller providers prefer to sell through local independent agents.

People switch companies for many reasons like not issuing a premium refund, poor customer service, delays in paying claims or even extreme rates for teen drivers. Regardless of your reason, choosing a new company is less work than it seems.

Throughout this article, we presented many ideas to reduce Mazda CX-9 insurance premium rates online in Colorado Springs. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from the least-expected company.

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