Compare 2010 Mazda CX-7 Insurance Quotes

Nobody I know is fond of buying auto insurance, particularly when the price is too high.

There are many insurance companies to purchase coverage from, and though it is a good thing to have a selection, too many choices makes it more difficult to find the lowest rates.

Finding the lowest cost coverage is quite easy. Just about every driver who is shopping for insurance coverage will be able to find better rates. But drivers must know the way insurance companies market on the web because it can help you find the best coverage.

These discounts can lower your insurance coverage quotes

Some providers don’t always publicize all disounts very well, so the list below details both well-publicized as well as some of the hidden credits available to lower your premiums when you buy insurance coverage online.

• E-sign – Some of the larger companies may give you up to $50 get insurance coverage on the internet.
• Passenger Safety Discount – Factory options such as air bags or motorized seat belts can receive discounts of 25 to 30%.
• Save with a New Car – Buying insurance on a new vehicle can be considerably cheaper compared to insuring an older model.
• Drive Less and Save – Driving less may allow you to get lower rates due to less chance of an accident.
• Military Discounts – Having an actively deployed family member could be rewarded with lower prices.
• ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and earn discounts up to 10% off your insurance coverage quote.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To view insurers who offer discounts, click here to view.

Get cheap insurance costs by understanding these factors

Lots of factors are used when quoting car insurance. Some are pretty understandable like your driving record, but other factors are not as apparent like where you live or your vehicle rating.A large part of saving on insurance is knowing the different types of things that play a part in calculating your policy premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could result in lower premium levels.

The following are most of the major factors insurance companies consider when setting prices.

• Low mileage costs less – Driving more miles annually the more you will pay for insurance. Most companies calculate rates determined by how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates than those that get driven frequently. Ask your agent if your insurance policy correctly shows the correct usage. Having an incorrect usage rating on your CX-7 can result in significantly higher rates.
• Lower stress equals lower premiums – Occupational choices like lawyers, social workers and financial analysts have the highest average rates attributed to high stress levels and lots of time spent at work. Conversely, occupations such as actors, athletes and performers have lower than average premiums for CX-7 coverage.
• Liability insurance preserves assets – Your policy’s liability coverage will provide protection if ever you are found to be at fault for damages from an accident. It provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Multiple policies with one company can save – Many insurers afford a discount for people who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can be ten percent or more. Even if you qualify for this discount already, it’s still a good idea to compare other company rates to help ensure you have the lowest rates.

Different people need different auto insurance coverages

When buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine if your situation might need professional guidance.

• Is my custom paint covered by insurance?
• Is business equipment covered while in my vehicle?
• Should I rate my 2010 Mazda CX-7 as pleasure use or commute?
• When should my teen driver be added to my policy?
• Do I need added coverage for expensive stereo equipment?
• Am I covered if I wreck a rental car?
• Am I covered if I drive in a foreign country?
• Does my car insurance cover rental cars?
• Can I still get insurance after a DUI?
• Should I put collision coverage on all my vehicles?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Advertising myths

Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all make an identical promise of big savings if you just switch your car insurance coverage to their company. How do they all charge you less for auto insurance? Here is the trick they use.

Different companies offer their best rates for the type of driver that earns them the highest profit. One example of a desirable risk could be over the age of 50, has few claims, and chooses high deductibles. Any new insured who fits those characteristics gets the lowest prices and as a result will probably save a lot if they switch.

Drivers who do not fit the requirements will get higher prices and this results in the customer buying from someone else. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That is how insurance companies can make it sound like they have such great auto insurance rates.

Different companies use different criteria so it’s extremely important to compare price quotes frequently. It is impossible to guess with any certainty which company will give you lower rates than your current company.

What insurance coverages do you need?

Knowing the specifics of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Liability car insurance

This coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane, theft, fire damage and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses such as nursing services, doctor visits, dental work, surgery and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mazda CX-7.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

More quotes mean more savings

You just learned many tips how you can lower your 2010 Mazda CX-7 insurance car insurance rates. The key thing to remember is the more times you quote, the better your comparison will be. Consumers may even find the lowest priced insurance comes from a small mutual company. Regional companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive and Geico.

When getting insurance coverage quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your goal is to buy enough coverage for the lowest cost while still protecting your assets.

Other resources

• Understanding your Policy (NAIC.org)
• What Auto Insurance is Cheapest for a Mazda CX-7 in New Orleans? (NewOrleansInsure.com)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)