Cutting costs on Mazda CX-7 insurance in Aurora can be kind of frustrating for drivers who have little experience quoting and comparing prices online. Consumers have so many options available that it can easily become a difficult situation to find more affordable Mazda CX-7 insurance rates.
We don’t have to tell you that car insurance companies don’t want you to look at other companies. Consumers who shop for lower rates will, in all likelihood, switch insurance companies because there is a good probability of finding a lower-priced policy. Remarkably, a study showed that drivers who compared rates annually saved about $3,500 over four years as compared to drivers who never shopped around for lower prices.
If saving money on Mazda CX-7 insurance in Aurora is your ultimate objective, then knowing how to get price quotes and compare car insurance can help simplify the process.
If you are already insured, you will definitely be able to find the best rates using these methods. Finding the best insurance policy in Aurora is not as difficult as people think. But Colorado car owners must comprehend how the larger insurance companies calculate your policy premium because it varies considerably.
Affordable Aurora Mazda CX-7 insurance rate quotes online
When price shopping your coverage, obtaining a wide range of quotes helps you find a lower rate than you’re paying now.
The companies in the list below can provide quotes in Colorado. If multiple companies are listed, we suggest you visit two to three different companies to find the most competitive car insurance rates.
Cheap Mazda CX-7 insurance in Aurora
Auto insurance is expensive, but there could be significant discounts that could drop your premiums quite a bit. Certain credits will be shown when you purchase, but some must be specifically requested in order for you to get them. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.
- Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- Federal Employees – Simply working for the federal government can save as much as 8% depending on your auto insurance provider.
- Buy New and Save – Adding a new car to your policy can save you some money because new model year vehicles have to meet stringent safety requirements.
- Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
- Aurora Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
- Lower Rates for Military – Being on active deployment in the military can result in better prices.
- Low Mileage – Driving less could qualify for discounted auto insurance rates on garaged vehicles.
- Club Memberships – Participating in qualifying employment or professional organizations could earn you a nice discount on your next auto insurance statement.
A little disclaimer on discounts, most credits do not apply to the whole policy. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The example below visualizes the comparison of Mazda CX-7 insurance costs with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, multi-car, claim-free, and homeowner discounts applied.
Larger auto insurance companies and a partial list of their discounts are detailed below.
- Farm Bureau may have discounts that include youthful driver, safe driver, 55 and retired, renewal discount, multi-vehicle, and driver training.
- State Farm has discounts for multiple autos, good student, Drive Safe & Save, Steer Clear safe driver discount, accident-free, passive restraint, and multiple policy.
- Progressive may include discounts for multi-vehicle, multi-policy, online quote discount, continuous coverage, and good student.
- Allstate has savings for anti-lock brakes, utility vehicle, 55 and retired, multi-policy, eSmart discount, senior citizen, and premier discount.
- Nationwide offers discounts including anti-theft, accident-free, Farm Bureau membership, good student, easy pay, and multi-policy.
- MetLife offers premium reductions for multi-policy, accident-free, good driver, good student, claim-free, defensive driver
Before buying, ask all the companies which discounts they offer. Discounts might not apply in every state. To choose providers offering auto insurance discounts in Aurora, click this link.
Auto insurance analysis for a Mazda CX-7
The premium information displayed next highlights a range of insurance premium costs for Mazda CX-7 models. Knowing how policy premiums are figured can help drivers make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $336 | $672 | $474 | $28 | $142 | $1,652 | $138 |
| CX-7 Sport 2WD | $378 | $672 | $474 | $28 | $142 | $1,694 | $141 |
| CX-7 Touring 2WD | $378 | $672 | $474 | $28 | $142 | $1,694 | $141 |
| CX-7 Touring 4WD | $378 | $792 | $474 | $28 | $142 | $1,814 | $151 |
| CX-7 Grand Touring 2WD | $422 | $792 | $474 | $28 | $142 | $1,858 | $155 |
| CX-7 Grand Touring 4WD | $422 | $792 | $474 | $28 | $142 | $1,858 | $155 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium costs do not factor in specific Aurora garaging location which can change premiums significantly.
Higher deductibles lower rates
A question often asked by Aurora drivers is how low should you set your deductibles. The rates below can help you visualize how much more rates are when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second pricing 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 | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in garaging location in Aurora which can affect prices noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $27 more each month or $324 every year than quoting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 15 months between claims, you would most likely save money if you elect the higher deductible. Here’s the way this calculation is made.
| Average monthly premium for $100 deductibles: | $121 |
| Average monthly premium for $500 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
The information below demonstrates how deductible levels and can impact Mazda CX-7 annual premium costs for different age groups of insureds. The price estimates are based on a single male driver, full coverage, and no additional discounts are factored in.
How do Insurance Companies Determine Mazda CX-7 Insurance Prices?
Smart consumers have a good feel for the different types of things that play a part in calculating the level of your policy premiums. When consumers understand what impacts premium levels, this enables informed choices that may reward you with lower premium levels.
Your location is a factor – Living in areas with lower population has it’s advantages when trying to find low car insurance rates. Residents of big cities have to deal with more auto accidents and a longer drive to work. Fewer drivers on the road corresponds to lower accident rates.
Credit rating impact car insurance premiums – Credit history factor in determining premium rates. So if your credit is lower than you’d like, you could potentially save money when insuring your Mazda CX-7 if you clean up your credit. People with very high credit ratings tend to file fewer claims and have better driving records than those with lower ratings.
Little extras can really add up – Insurance companies have many additional extra coverages that can add up when buying car insurance. Coverages for rental car coverage, death and dismemberment, and extra life insurance coverage are examples of these. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them and pocket the money.
Single drivers may get higher prices – Having a wife or husband may earn you lower rates when shopping for car insurance. It demonstrates that you tend to be more responsible and statistics prove drivers who are married file infrequent claims.
Consolidate policies to earn discounts – Many companies apply better rates to clients who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to check prices from other companies to help ensure you have the lowest rates. You may still save even more by insuring with multiple companies.
Are women or men drivers cheaper? – The statistics show that females take fewer risks when driving. However, this does not mean males are worse at driving than females. Both genders get in auto accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like DUI and reckless driving.
The information below visualizes the comparison of Mazda CX-7 insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no claims, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
What if I want to buy from local Aurora insurance agents?
A small number of people would prefer to visit with an insurance agent and that is not a bad decision The biggest benefit of comparing car insurance online is you may find better rates and still have a local agent. Buying from local agents is definitely important in Aurora.
To make it easy to find an agent, after completing this quick form, your coverage information is submitted to agents in your area who will return price quotes for your car insurance coverage. You don’t have to search for any insurance agencies as quotes are delivered to you directly. You can most likely find cheaper rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote for a specific company, you would need to search and find their rate quote page and submit a quote form there.
When looking for a local agent, it’s important to understand the different types of agencies and how they are distinctly different. Car insurance agencies are either independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
Independent insurance agents can sell policies from many different companies so they can insure your vehicles with any number of different companies depending on which coverage is best. If they find a lower price, your agent can switch companies and the insured can keep the same agent.
If you need cheaper car insurance rates, we recommend you compare prices from at least one independent agent to ensure the widest selection of prices. Most can insure with small mutual carriers which may provide better rates.
Featured below is a partial list of independent insurance agencies in Aurora who may provide free car insurance rate quotes.
- Premier Insurance
2241 S Peoria St # 202 – Aurora, CO 80014 – (303) 337-3600 – View Map - ALINK Insurance Services
3033 S Parker Rd #120 – Aurora, CO 80014 – (303) 752-6479 – View Map - Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
Exclusive Agencies
Exclusive insurance agents generally can only insure with one company like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so they have to upsell other benefits. They are usually well trained on their products and sales techniques which helps them compete with independent agents. Many people buy from exclusive agents mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive agents in Aurora that can give you price quotes.
- State Farm: Joel Kruschwitz
9801 E Colfax Ave – Aurora, CO 80010 – (303) 344-1175 – View Map - Farmers Insurance – Holly Mullins
14221 E 4th Ave #100 – Aurora, CO 80011 – (303) 366-7101 – View Map - Allstate Insurance: Mark Graham
1450 S Havana St Ste 308 – Aurora, CO 80012 – (303) 755-2600 – View Map
Picking an insurance agency should include more criteria than just the bottom line cost. Any agent in Aurora should be forthright in answering these questions:
- Is vehicle damage repaired with OEM or aftermarket parts?
- How experienced are they in personal risk management?
- What discounts might you be missing?
- Do they carry Errors and Omissions coverage?
- What kind of financial rating does the company have?
Quote. Compare. Save.
When getting Aurora car insurance quotes online, it’s a bad idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice liability limits or collision coverage only to discover later that they should have had better coverage. The ultimate goal is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.
Insureds who switch companies do it for a variety of reasons including being labeled a high risk driver, denial of a claim, an unsatisfactory settlement offer or even policy cancellation. No matter why you want to switch, switching companies is actually quite simple.
Affordable Mazda CX-7 insurance in Aurora can be bought online and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide internet price quotes and many times these small insurance companies provide coverage only through independent agents.
How to buy discount Mazda CX-7 insurance in Aurora
The easiest way to find lower priced Mazda CX-7 insurance is to compare prices once a year from insurance carriers who can sell car insurance in Aurora. You can compare rates by completing these steps.
- Step 1: Try to learn about how auto insurance works and the modifications you can make to keep rates low. Many rating criteria that are responsible for high rates like speeding tickets, accidents and a negative credit score can be improved by improving your driving habits or financial responsibility.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO and State Farm, while independent agencies can give you price quotes from multiple sources.
- Step 3: Compare the quotes to the premium of your current policy to determine if switching companies saves money. If you can save money and make a switch, verify that coverage does not lapse between policies.
An important part of this process is to use the same physical damage deductibles and liability limits on each price quote and to quote with as many different companies as possible. Doing this ensures a level playing field and maximum price selection.
For more information, feel free to browse these articles:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has Cheap Aurora Car Insurance for a Subaru Outback? (FAQ)
- How Much are Car Insurance Quotes for a Toyota RAV4 in Aurora? (FAQ)
- What Auto Insurance is Cheapest for Handicapped Drivers in Aurora? (FAQ)
- Who Has Cheap Car Insurance Rates for a Ford Escape in Aurora? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)