2009 Mazda CX-7 Insurance Quotes

Want better auto insurance rates for your Mazda CX-7? Searching for cheap auto insurance on the web can seem to be somewhat difficult for beginners to online price comaprisons. When there are so many insurers available, how can consumers effectively compare every company to locate the best available rates?

Discounts can save BIG

Car insurance companies don’t always publicize all their discounts very well, so we took the time to find both the well known as well as the least known insurance coverage savings.

  • Auto/Home Discount – When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Save over 55 – Older drivers can possibly qualify for a discount up to 10% on CX-7 coverage.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on CX-7 coverage with certain companies.

Consumers should know that most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with every prospective company which discounts they offer. Some discounts might not apply in your area.

Vehicle Insurance Comparison

Performing a rate comparison can be exhausting if you don’t utilize the fastest way to get free quotes. You can waste hours driving to insurance companies in your area, or you could save time and use online quoting to get prices fast.

Most of the best insurance companies belong to a marketplace that enables customers to send in one quote, and every company can provide price quotes. This system prevents you from having to do quote forms to every company.

To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is you are unable to specify which carriers to get pricing from. So if you prefer to pick specific providers for rate comparison, we put together a list of companies who write car insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but compare exactly the same coverage limits for each price quote. If you have unequal deductibles or liability limits it will be impossible to make an equal comparison. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing more company’s prices helps locate better pricing.

Factors that can influence Mazda CX-7 insurance rates

Consumers need to have an understanding of the different types of things that help determine the rates you pay for insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Proper usage rating affects rates – The more you drive in a year’s time the more you will pay for insurance. The majority of insurers apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Improper usage on your CX-7 may be costing you. Double check that your insurance policy is showing the correct driver usage, because it can save money.
  • Your stress level may be raising your rates – Did you know your job can affect your rates? Jobs such as judges, social workers and financial analysts tend to pay higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, occupations such as pilots, engineers and performers have the lowest average rates on CX-7 coverage.
  • Do you need those extra coverages? – There are a ton of add-on coverages that you can get tricked into buying on your 2009 CX-7 policy. Coverages like personal injury protection, accidental death and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don’t need them get rid of them and save.
  • Big city or small town – Choosing to live in a rural area has it’s advantages when insuring your vehicles. Drivers in populated areas tend to have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • Optional equipment can affect rates – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Lower deductibles cost more – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Mazda from damage. Some instances where coverage would apply are running into the backend of another car, collision with an animal, or theft. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on CX-7 coverage.
  • High numbers of claims are not good – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies award lower rates to policyholders who do not file claims often. Auto insurance is meant to be used in the event of larger claims.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Mazda CX-7 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Will just any policy work for me?

When choosing the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • What companies insure drivers after a DUI or DWI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I pay less if my vehicle is kept in my garage?
  • Will filing a claim cost me more?
  • Am I covered when delivering products for my home-based business?
  • Do all my vehicles need collision coverage?
  • Is business property covered if stolen from my car?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Don’t be fooled by advertising claims

Progressive, Geico, Allstate and State Farm consistently run ads in print and on television. All the companies make an identical promise that you’ll save big if you change to their company. How do they all make the same claim? It’s all in the numbers.

Different companies have a certain “appetite” for the driver they prefer to insure. For instance, a desirable insured could possibly be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters receives the best rates and as a result will probably save when they switch companies.

Potential customers who do not match the requirements will be quoted higher premiums and ends up with the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. This is how insurance companies can make those claims. This emphasizes why you need to get a wide range of price quotes. You cannot predict which company will provide you with the cheapest Mazda CX-7 insurance rates.

Insurance coverages 101

Understanding the coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance

This can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

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. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage, medical services and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, a broken windshield, a tree branch falling on your vehicle, falling objects and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, surgery and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage

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

Collision insurance covers claims such as hitting a mailbox, rolling your car, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Be a Smart Shopper

When shopping online for insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage only to find out that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, delays in paying claims or even denial of a claim. Regardless of your reason for switching companies, finding a new insurance company is easier than you think.

The cheapest 2009 Mazda CX-7 insurance can be purchased online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

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