2010 Mazda CX-7 Insurance Quotes – 6 Tricks for Best Rates

Trying to find better auto insurance rates for your Mazda CX-7? Expensive auto insurance can empty your bank account and put a big crunch on your finances. Doing a price comparison is a great way to lower your monthly bill.

Because there are so many companies and agents to choose from, it can be hard to pick the right company.

Finding Insurance Coverage Deals

There are a variety of methods you can shop for 2010 Mazda CX-7 insurance coverage but there is one way that is more efficient than others. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

Many of the larger companies enroll in a system that enables customers to submit one quote, and every company provides a quote. This saves time by eliminating quote requests for each company. To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to using this type of form is you cannot specify the insurers to get quotes from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples quote information on every quote. If you enter different deductibles you will not be able to make a fair comparison for your Mazda CX-7. Having just a slight variation in insurance coverages may cause a big price difference. Keep in mind that quoting more helps locate the best rates.

Do drivers who switch really save?

Car insurance providers like Progressive, Allstate and Geico continually stream ads in print and on television. They all make an identical promise about savings after switching your coverage to them. But how can every company make almost identical claims?

All companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside the requirements will be charged higher premiums and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully make the claims of big savings.

That is why it is so important to quote coverage with many companies. You cannot predict which company will provide you with the cheapest Mazda CX-7 insurance rates.

Don’t miss these six discounts

Insurance can be prohibitively expensive, but companies offer discounts to help bring down the price. Some trigger automatically at quote time, but less common discounts must be manually applied prior to getting the savings.

  • Claim Free – Drivers with accident-free driving histories pay much less as compared to bad drivers.
  • Good Student – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Multi-policy Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.

It’s important to understand that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But any discount will reduce your overall premium however.

Companies who might offer these money-saving discounts include:

Check with every prospective company what discounts are available to you. All car insurance discounts might not apply in your state.

When might I need help?

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • Are rock chip repairs covered?
  • Does my insurance cover my expensive audio equipment?
  • Why am I required to buy high-risk coverage?
  • Can my teen drive my company car?
  • What is an SR-22 filing?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Auto liability

Liability coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, medical services, medical expenses, loss of income and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for X-ray expenses, doctor visits, rehabilitation expenses, surgery and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, colliding with another moving vehicle, hitting a mailbox, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mazda CX-7.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like theft, hitting a deer, fire damage, vandalism and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t break the bank

Low-cost 2010 Mazda CX-7 insurance can be purchased online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide online price quotes and these small, regional companies work with independent agents.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Additional insurance coverage information is available below: