Compare 2009 Mazda CX-7 Insurance Cost

Looking for better car insurance rates for your Mazda CX-7? Finding better insurance prices for a new or used Mazda CX-7 could be a lot of work, but you can use these tips to make it easier. There is a better way to find car insurance online and we’ll show you the best way to get price quotes for a Mazda and locate the cheapest rates from local insurance agents and online providers.

Don’t overlook these insurance discounts

Buying insurance is not cheap, but there are discounts available that can drop the cost substantially. Some discounts will apply at quote time, but less common discounts must be specifically requested in order for you to get them. If you do not double check each discount available, you are just wasting money.

• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Renewal Discounts – Select insurance companies give a discount for switching policies before your current expiration date. This can save 10% or more.
• Homeowners Savings – Owning a home can get you a discount due to the fact that maintaining a home means you have a higher level of financial diligence.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up could cut 10% or more off the PIP or medical payment premium.
• Include Life Insurance and Save – Select companies reward you with a lower insurance rate if you buy auto and life insurance together.
• Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote when compared with policyholders that have many claims.
• Anti-theft System – Vehicles with anti-theft systems are stolen with less frequency and that can save you a little bit as well.
• Good Student Discount – Excelling in school can get you a discount of up to 25%. You can use this discount normally until age 25.
• Student in College – who are attending college and don’t have a car could get you a discount.
• Good Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for CX-7 insurance than drivers with accidents.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, companies don’t profit that way. But all discounts should help reduce the cost of your policy.

Large insurance companies and the discounts they provide are:

• Geico has discounts for air bags, military active duty, driver training, good student, five-year accident-free, and anti-theft.
• Mercury Insurance may include discounts for multi-policy, type of vehicle, good driver, accident-free, low natural disaster claims, ease of repair, and location of vehicle.
• Farmers Insurance may have discounts that include alternative fuel, business and professional, switch companies, teen driver, early shopping, and pay in full.
• Auto-Owners Insurance includes discounts for air bags, safe driver, safe vehicle, anti-lock brakes, teen driver, and multi-policy.
• Liberty Mutual policyholders can earn discounts including new move discount, newly retired, new graduate, hybrid vehicle, safety features, and teen driver discount.
• SAFECO has savings for safe driver, drive less, teen safety rewards, anti-theft, bundle discounts, and accident prevention training.
• Progressive discounts include homeowner, online signing, good student, online quote discount, multi-vehicle, and continuous coverage.
• USAA offers premium reductions for loyalty savings, multi-vehicle, new vehicle, safe driver, annual mileage, and military installation.

When comparing rates, check with each insurance company what discounts are available to you. A few discounts might not be offered in your area.

How to compare insurance coverage quotes

Effectively comparing insurance coverage prices can be challenging if you don’t utilize the most efficient way to do it. You can waste hours driving to insurance agencies in your area, or you can stay home and use online quoting for quick rates.

Most car insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company returns a competitive quote. This system prevents you from having to do quote requests for each company. To find out how much you’re overpaying now click here to start a free quote.

The only drawback to comparing rates this way is you can’t choose the companies you will receive quotes from. So if you prefer to choose specific providers to compare, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but compare the same quote data for every company. If your comparisons have differing limits then you won’t be able to determine which rate is truly the best.

When to get professional advice

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions can help discover if your situation could use an agent’s help.

• Is other people’s property covered if stolen from my vehicle?
• Should I buy only the required minimum liability coverage?
• Do I need motorclub coverage?
• Can I drive in Mexico and have coverage?
• What companies insure drivers after a DUI or DWI?
• Are my friends covered when driving my car?
• Should I waive the damage coverage when renting a car?
• Do I need replacement cost coverage on my 2009 Mazda CX-7?
• Am I covered when driving on a suspended license?
• How many claims can I have before being cancelled?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage breakdown

Understanding the coverages of car insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, rock chips in glass, vandalism and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Mazda CX-7.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, funeral costs, EMT expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage covers damage to your CX-7 resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle, crashing into a ditch, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

This coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like pain and suffering, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Feed the piggy bank

Lower-priced insurance is available both online as well as from independent agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get quotes online and usually these small insurance companies sell through independent insurance agencies.

We just presented quite a bit of information on how to lower your 2009 Mazda CX-7 insurance premium rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the best premium rates are with a smaller regional carrier.

People change insurance companies for a number of reasons such as delays in paying claims, lack of trust in their agent, high rates after DUI convictions and even being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

More tips and info about insurance can be found at these sites:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)