Cutting costs on Mazda CX-7 insurance in Denver is always frustrating for drivers who are new to quoting coverage rates online. You have so many companies to choose from that it can easily turn into a real hassle to find the best prices.
Inconceivable but true, a large majority of consumers renewed their policy with the same company for four years or more, and approximately 40% of consumers have never even compared rates from other companies. Many consumers in Colorado could save nearly 35% every year just by comparing rates, but they don’t know how much they could save if they moved their coverage to a different company.
Consumers should take time to compare prices every six months because rates go up and down regularly. Just because you had the lowest premium rates on Mazda CX-7 insurance in Denver a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to use the internet to buy cheaper Mazda CX-7 insurance in Denver.
To get affordable Mazda CX-7 insurance quotes, there a variety of ways to compare rate quotes from different companies. The quickest method to lower the rate you pay for Mazda CX-7 insurance involves getting comparison quotes online. It’s important to know that having more price comparisons helps locate a lower rate than you’re paying now. Not every company provides Denver CX-7 insurance quotes online, so you also need to get quotes on coverage from those companies, too.
The car insurance companies shown below provide price quotes in Denver, CO. If several companies are displayed, we recommend you click on several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $310 | $458 | $460 | $28 | $138 | $1,394 | $116 |
| CX-7 Sport 2WD | $294 | $516 | $456 | $28 | $136 | $1,430 | $119 |
| CX-7 Touring 2WD | $236 | $380 | $330 | $20 | $98 | $1,064 | $89 |
| CX-7 Touring 4WD | $240 | $492 | $456 | $28 | $136 | $1,352 | $113 |
| CX-7 Grand Touring 2WD | $326 | $662 | $396 | $24 | $118 | $1,526 | $127 |
| CX-7 Grand Touring 4WD | $422 | $792 | $474 | $28 | $142 | $1,858 | $155 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single 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-vehicle, homeowner, and multi-policy. Price estimates do not factor in vehicle location which can lower or raise auto insurance rates significantly.
Raise deductibles and save
One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The premium rates below illustrate the rate differences when you choose different deductibles. The first set of rates uses a $100 deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $302 | $546 | $352 | $20 | $106 | $1,351 | $113 |
| CX-7 Sport 2WD | $342 | $546 | $352 | $20 | $106 | $1,391 | $116 |
| CX-7 Touring 2WD | $342 | $546 | $352 | $20 | $106 | $1,391 | $116 |
| CX-7 Touring 4WD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| CX-7 Grand Touring 2WD | $380 | $644 | $352 | $20 | $106 | $1,527 | $127 |
| CX-7 Grand Touring 4WD | $380 | $644 | $352 | $20 | $106 | $1,527 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $220 | $368 | $352 | $20 | $106 | $1,066 | $89 |
| CX-7 Sport 2WD | $250 | $368 | $352 | $20 | $106 | $1,096 | $91 |
| CX-7 Touring 2WD | $250 | $368 | $352 | $20 | $106 | $1,096 | $91 |
| CX-7 Touring 4WD | $250 | $434 | $352 | $20 | $106 | $1,162 | $97 |
| CX-7 Grand Touring 2WD | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| CX-7 Grand Touring 4WD | $278 | $434 | $352 | $20 | $106 | $1,190 | $99 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates significantly.
We can estimate from the data above that using a $100 deductible costs about $27 more each month or $324 for a full year than choosing the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at least 15 months between claims, you would save more money going with the higher deductible.
Tickets and at-fault accidents raise rates
The chart below shows how violations and fender-benders can affect Mazda CX-7 auto insurance costs for each age group. The prices are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Car insurance deductibles
The illustration below demonstrates how deductible levels and can impact Mazda CX-7 insurance rates for different age categories. Data assumes a married female driver, full physical damage coverage, and no policy discounts are applied.
Do you qualify for discounts on Mazda CX-7 insurance in Denver?
Some companies do not advertise the complete list of policy discounts very clearly, so the following is a list of both well-publicized in addition to some of the lesser obvious discounts that may be available.
- Lower Rates for Military – Having a deployed family member can result in better premium rates.
- Discounts for New Vehicles – Buying a new car model can save you some money because newer vehicles have to meet stringent safety requirements.
- Defensive Driver – Successfully completing a course teaching driver safety skills could save 5% or more and make you a better driver.
- Anti-lock Brakes – Cars and trucks that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
It’s important to note that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.
A few popular companies and some of the premium reductions they offer can be found below.
- 21st Century may have discounts that include homeowners, teen driver, 55 and older, anti-lock brakes, theft prevention, and driver training.
- Progressive discounts include multi-policy, online quote discount, homeowner, multi-vehicle, good student, continuous coverage, and online signing.
- State Farm has discounts for accident-free, defensive driving training, good driver, multiple policy, student away at school, and Drive Safe & Save.
- Nationwide offers discounts including good student, Farm Bureau membership, multi-policy, business or organization, family plan, easy pay, and anti-theft.
- Esurance includes discounts for multi-policy, claim free, renters, Pac-12 alumni, and homeowner.
- The Hartford may offer discounts for good student, defensive driver, anti-theft, bundle, and air bag.
It’s a good idea to ask each company which discounts they offer. Some of the discounts discussed earlier may not be available in your state. To view companies that have a full spectrum of discounts in Denver, click this link.
Lower Your Denver Insurance Prices
The best way to find cheaper car insurance is to take a look at the different types of things that aid in calculating the price you pay for car insurance. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get lower car insurance prices.
Shown below are a few of the “ingredients” used by your company to calculate your rate level.
- Tickets can be expensive – Whether or not you get tickets impacts premiums far more than you think. Good drivers get better rates compared to drivers with tickets. Having a single moving violation can boost insurance rates by twenty percent. Drivers who have gotten severe violations like reckless driving or DUI may find that they have to to complete a SR-22 with the DMV in their state in order to prevent a license revocation.
- Drive a fast car, truck or SUV and pay more – The performance level of the vehicle you are buying insurance for makes a significant difference in your auto insurance rates. Since the Mazda CX-7 is classified as a crossover, insuring your vehicle will cost slightly more compared to average rates in Denver. Small economy passenger models usually are quite affordable to insure, but other factors influence the final cost greatly.
- Consolidate and save – Many insurance companies apply better rates to customers who buy several policies from them such as combining an auto and homeowners policy. Even if you already get this discount, you still need to compare other Denver CX-7 insurance rates to verify if the discount is saving money. You may still save money even if you insure with multiple companies
- Lower rates with continuous coverage – Driving with no insurance is against the law and car insurance companies will penalize you for letting your insurance lapse. Not only will you pay higher rates, failure to provide proof of insurance will get you a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with the Colorado motor vehicle department.
Buying auto insurance from Denver insurance agents
Many drivers still prefer to have an agent’s advice. A nice benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and still buy from a local agent. Buying from small agencies is especially important in Denver.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is emailed to participating agents in Denver who will give competitive quotes and help you find cheaper coverage. You never need to search for any insurance agencies due to the fact that quote results will go to you. You can get cheaper auto insurance rates and work with a local agent. If for some reason you want to compare prices from a particular provider, just find their quoting web page and complete a quote there.
Best auto insurance agent in Denver
If you want a reliable insurance agency, it helps to know the two different types of agencies and how they differ in how they quote coverages. Agencies in Denver are categorized either independent agents or exclusive agents.
Independent Auto Insurance Agents
Agents that choose to be independent are not employed by one company so they can write business with many different companies and find you the best rates. If your premiums go up, your agent can switch companies and the insured can keep the same agent. When searching for an agent, it’s a good idea to compare prices from several independent agencies in order to compare the most rates. Many write coverage with smaller regional carriers that can offer cheaper rates than bigger companies.
Featured below is a partial list of independent insurance agencies in Denver who may be able to give you cheap rate quotes.
- Alliance General Insurance Agency
2696 CO-2 – Denver, CO 80222 – (303) 377-1172 – View Map - All Insurance Agency
67 Knox Ct – Denver, CO 80219 – (303) 935-3661 – View Map - A Complete Home and Auto Insurance Agency
44 Cook St #100 – Denver, CO 80206 – (303) 650-0060 – View Map
Exclusive Agencies
Exclusive insurance agents can only quote rates from one company like State Farm or Allstate. Exclusive agents cannot provide rate quotes from other companies so it’s a take it or leave it situation. They are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents mainly due to high brand loyalty rather than having low rates.
The following are Denver exclusive agents that are able to give rate quotes.
- Kelly Wells – State Farm Insurance Agent
1855 S Pearl St Ste 100 – Denver, CO 80210 – (303) 862-4579 – View Map - Tammy Hill – State Farm Insurance Agent
4650 Tower Rd Unit 101 – Denver, CO 80249 – (303) 373-9500 – View Map - Beth Bales – State Farm Insurance Agent
3650 S Yosemite St #408 – Denver, CO 80237 – (303) 993-2727 – View Map
Selecting an insurance agent shouldn’t rely on just a cheap price. The following questions are important to ask.
- Can they help ensure a fair claim settlement?
- Is the agency involved in supporting local community causes?
- Which insurance company do they prefer to write with?
- Who is covered by the car insurance policy?
- Do they make recommendations based only on price?
- Do they reduce claim amounts on high mileage vehicles?
Car insurance can get complicated
When it comes to choosing coverage, there really is no one size fits all plan. Everyone’s needs are different and your car insurance should unique, too.
Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.
- Am I covered while delivering pizza?
- When can my company non-renew my policy?
- What are the best liability limits?
- Is rental equipment covered for theft or damage?
- How high should deductibles be on a Mazda CX-7?
- Do all my vehicles need collision coverage?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Don’t believe everything you hear
Allstate, GEICO and Progressive regularly use ads in print and on television. All the companies advertise the message of big savings just by switching your policy. But how can every company charge lower premium rates? Here is the trick they use.
Insurance companies require specific criteria for the type of driver that will generate a profit. An example of a profitable insured may need to be over age 30, has other policies, and drives less than 7,500 miles a year. Any customer that matches those criteria will probably get cheap prices and have a good chance to pay quite a bit less when switching companies.
Insureds who may not quite match this stringent profile will have to pay more expensive rates which leads to the customer not buying. The ads state “customers that switch” but not “all drivers who get quotes” save that much. That’s why companies can advertise the savings.
Because every company is different, you should compare many company’s prices. It is just not possible to predict which insurance companies will provide the lowest Mazda CX-7 insurance in Denver.
You can lower your auto insurance rates
Throughout this article, we presented some good ideas how to reduce Mazda CX-7 insurance premium rates online in Denver. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with the smaller companies. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.
Some insurance providers may not offer online price quotes and many times these small insurance companies only sell coverage through independent agents. Discount Mazda CX-7 insurance is possible online and also from your neighborhood Denver agents, so compare prices from both to have the best chance of lowering rates.
Much more information about auto insurance in Colorado is available at these links:
- All About Airbag Safety (State Farm)
- Who Has the Cheapest Car Insurance for Safe Drivers in Denver? (FAQ)
- Who Has the Cheapest Denver Car Insurance for Nurses? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Immigrants in Denver? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)