How Much Does 2007 Mazda CX-9 Insurance Cost?

Searching for the cheapest insurance rates for your Mazda CX-9? Have you finally had enough of not being able to scrape enough together to keep your car insured? You are in the same boat as most other drivers. Numerous car insurance companies battle to insure your vehicles, and it can be difficult to compare rates to find the absolute best price available.

Consumers need to get comparison quotes yearly since insurance prices are usually higher with each renewal. Even if you think you had the best deal for CX-9 coverage a few years ago a different company probably has better rate quotes today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.

Get affordable rates by taking advantage of discounts

Companies offering auto insurance don’t always publicize all available discounts in an easy-to-find place, so below is a list both the well known as well as some of the hidden discounts that you may qualify for.

  • Safety Course Discount – Taking part in a defensive driver course may get you a small discount and easily pay for the cost of the class.
  • Home Ownership Discount – Just being a homeowner may trigger a policy discount on insurance since home ownership means you have a higher level of financial diligence.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Senior Discount – If you qualify as a senior citizen, you are able to get better insurance rates for CX-9 coverage.
  • ABS Braking Discount – Cars with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
  • No Accidents – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote compared to drivers who are more careless.

As is typical with insurance, many deductions do not apply the the whole policy. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that you could get a free insurance policy, companies don’t profit that way.

A few of the larger companies and some of their more popular discounts are detailed below.

  • Farm Bureau offers discounts for multi-vehicle, youthful driver, multi-policy, safe driver, 55 and retired, and driver training.
  • MetLife may offer discounts for multi-policy, claim-free, good student, defensive driver, good driver, and accident-free.
  • Progressive includes discounts for online signing, multi-policy, online quote discount, good student, continuous coverage, and multi-vehicle.
  • AAA has discounts for AAA membership discount, good student, multi-policy, multi-car, pay-in-full, education and occupation, and good driver.
  • American Family may include discounts for defensive driver, air bags, TimeAway discount, Steer into Savings, good student, and early bird.
  • Geico offers discounts including anti-theft, emergency military deployment, air bags, defensive driver, driver training, and federal employee.
  • State Farm offers premium reductions for anti-theft, Steer Clear safe driver discount, multiple autos, driver’s education, defensive driving training, and student away at school.

When quoting, ask every insurance company the best way to save money. Depending on the company, some discounts may not apply in your area. To see a list of companies with the best discounts, click here.

Which car insurance is cheapest?

Comparing car insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use the web for quick rates.

Many of the larger companies belong to a marketplace that enables customers to complete one form, and each participating company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To participate in this free quote system, click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose which providers you will receive quotes from. So if you prefer to choose specific insurance companies to request quotes from, we have a listing of car insurance companies in your area. Click here to view list.

The approach you take is up to you, just make absolute certain that you use the exact same information on every price quote you get. If you compare different data it will be impossible to make a fair comparison for your Mazda CX-9.

What determines Mazda CX-9 insurance prices?

Part of the insurance buying process is learning the factors that aid in calculating the price you pay for insurance. When you know what positively or negatively determines base rates, this helps enable you to make changes that may result in better insurance rates. Many different elements are taken into consideration when you quote your car insurance policy. Some factors are common sense such as traffic violations, although others are less obvious such as your credit history or how financially stable you are.

Listed below are some of the things used by companies to determine premiums.

  • Your employer and insurance rates – Careers such as lawyers, executives and dentists usually pay the highest average rates in part from intense work situations and lots of time spent away from family. Conversely, careers like farmers, athletes and homemakers receive lower rates for CX-9 coverage.
  • Multiple policies with one company can save – Many insurers give better rates to customers that have more than one policy in the form of a multi-policy discount. Discounts can amount to 10 percent or more. Even with this discount, drivers will still want to check prices from other companies to make sure you are getting the best deal.
  • Good drivers pay better costs – Having just one ticket may increase your cost twenty percent or more. Careful drivers pay lower auto insurance prices than bad drivers. Drivers who have gotten dangerous violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Better rates on safer cars – Safer cars cost less to insure. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means less claims paid and thus lower rates. If the Mazda CX-9 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Annual mileage impacts premiums – Driving more miles in a year’s time the more it will cost to insure it. Most companies price each vehicle’s coverage based upon how you use the vehicle. Cars that are left in the garage cost less to insure than vehicles that have high annual mileage. Double check that your insurance declarations sheet reflects the correct usage. Having the wrong rating on your CX-9 may be wasting your money.
  • Save money by having responsible credit – Having a bad credit history can be a huge factor in calculating your premium rate. Drivers with high credit ratings tend to file fewer claims than those with bad credit. If your credit score can use some improvement, you could save money insuring your 2007 Mazda CX-9 by repairing your credit.
  • Discounts for alarms and GPS tracking – Selecting a car model with advanced anti-theft systems can earn a premium discount. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.
  • Rental and towing coverage may not be needed – Insurance policies have a lot of additional extra coverages that you can get tricked into buying when buying insurance. Insurance for vanishing deductibles, towing, and additional equipment coverage may be wasting your money. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.

How much insurance do I need?

When buying the best insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining whether you may require specific advice.

  • What is the difference between comprehensive and collision coverage?
  • Should I get collision insurance on every vehicle?
  • Can my teen drive my company car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is no-fault insurance?
  • Exactly who is provided coverage by my policy?
  • Is a blown tire covered by insurance?
  • Am I covered if I hit a deer?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Do drivers who switch really save?

Consumers can’t escape the ads for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. They all seem to advertise the message that you can save if you move your coverage to them.

How is it plausible that every one can say the same thing? It’s all in the words they use.

All the different companies quote the lowest rates for the type of customer they prefer to insure. One example of this type of driver should be between the ages of 30 and 45, has other policies, and has excellent credit. A driver who matches that profile receive the lowest rate quotes and will save quite a bit of money when switching.

Consumers who are not a match for those criteria will probably have to pay higher premiums and this can result in business not being written. The wording the ads use say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can confidently make those statements.

That is why you absolutely need to quote coverage with many companies. It is impossible to predict which company will be your best fit.

Coverage specifics

Understanding the coverages of a car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, bail bonds, pain and suffering, attorney fees and structural damage. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as prosthetic devices, doctor visits, dental work and surgery. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This covers damage to your CX-9 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, colliding with another moving vehicle, rolling your car, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, theft and fire damage. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda CX-9.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Final thoughts

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

We’ve covered a lot of ways to save on 2007 Mazda CX-9 insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest car insurance rates are with an unexpected company. They may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

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