2008 Mazda CX-7 Insurance Rates – 5 Tricks for Cheaper Quotes

Searching for better insurance coverage rates for your Mazda CX-7? Having to pay for overpriced insurance coverage can dwindle your family’s budget and make it hard to pay other bills. You have so many car insurance companies to buy insurance from, and although it’s nice to have a choice, so many choices can make it hard to find the lowest rates.

It’s a great practice to get comparison quotes before your policy renews since insurance rates are adjusted regularly by insurance companies. Just because you had the best premium rates on CX-7 insurance two years ago you can probably find a lower rate today. There is a lot of bad information regarding insurance coverage online but in a few minutes you can learn some great ways to lower your insurance coverage bill.

The purpose of this article is to familiarize you with how to effectively get price quotes. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Vehicle owners just need to understand the most efficient way to find the lowest price on the web.

How much is insurance?

There are a variety of methods to compare insurance quotes, but some are more efficient than others. You can waste hours discussing policy coverages with insurance companies in your area, or you could use the internet to accomplish the same thing much quicker.

Many companies take part in a program where insurance shoppers submit one quote, and each company returns a competitive quote determined by their information. This saves time by eliminating quote requests for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to using this type of form is you can’t choose which companies you will receive quotes from. So if you want to choose individual companies to compare prices, we put together a list of insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make sure you use nearly identical deductibles and coverage limits for every quote you compare. If you are comparing mixed coverages it will be nearly impossible to determine the lowest rate for your Mazda CX-7.

Don’t listen to company ads

Consumers can’t avoid all the ads that claim the best rates by companies like 21st Century, Allstate and State Farm. All the companies tend to make the same promise about how much you will save just by switching your policy.

How is it possible that every company can save you money? Here is how they do it.

Insurance companies have specific characteristics for the type of insured that will most likely be profitable. For instance, a preferred risk should be a mature driver, has a low-risk occupation, and has a short commute. Someone who fits that profile will qualify for the lowest car insurance rates and will probably cut their rates if they switch.

Potential insureds who do not match those standards will probably have to pay a higher premium and this can result in business going elsewhere. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that much. That’s the way insurance companies can confidently advertise the way they do.

Different companies use different criteria so you absolutely need to get a wide range of price quotes. Because you cannot predict which company will provide you with the cheapest prices.

Do you qualify for these five discounts?

Some insurance providers don’t always publicize the complete list of policy discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known credits that you can use to lower your rates.

  • Student in College – Children who are enrolled in higher education away from home and don’t have a car can receive lower rates.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off PIP or medical payments premium.
  • Auto/Home Discount – If you have multiple policies with the same company you will save up to 20% and get you low cost auto insurance.
  • Telematics Data – Insureds that choose to allow driving data collection to study when and where they use their vehicle by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.

You should keep in mind that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Even though it appears you can get free auto insurance, you’re out of luck.

To see a list of insurance companies who offer cheap insurance coverage quotes, click this link.

Don’t assume everyone needs the same car insurance coverage

When buying the best car insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out if your insurance needs might need an agent’s assistance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I getting all the discounts available?
  • Which companies will insure high-risk drivers?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need motorclub coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • What companies insure drivers after a DUI or DWI?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Having a good grasp of car insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by car insurance companies.

Auto collision coverage

This coverage covers damage to your CX-7 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses for dental work, pain medications and funeral costs. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Quote more, save more

When searching for cheaper auto insurance quotes, you should never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Cost effective 2008 Mazda CX-7 insurance is possible online in addition to many insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some insurance providers do not provide price quotes online and these smaller providers sell through independent insurance agents.

More detailed insurance information can be found in these articles: