Discover How to Get Lower Rates on Mazda CX-7 Insurance

Are you tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Lots of insurance companies contend for your hard-earned dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest price

It’s smart to get comparison quotes occasionally because rates are rarely the same from one policy term to another. Just because you had the lowest rates for CX-7 insurance a few years ago there may be better deals available now. There is a lot of bad information regarding car insurance on the web, but I’m going to show you some good information on how to find cheap car insurance.

Compare Quotes for Car Insurance

The are a couple different ways of comparing rates from local car insurance companies. The easiest way to find the lowest Mazda CX-7 rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate forms to each individual car insurance company. Filling out one form gets rate comparisons direct from many companies.

A more difficult way to compare rate quotes consists of visiting each company website and fill out their own quote form. For examples sake, let’s say you want to compare rates from Allstate, GEICO and Progressive. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare the exact same coverage limits and deductibles with every price quote. If you have unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Just a small difference in coverage limits can make a big difference in price. And when comparison shopping, having more price comparisons will increase your chances of finding lower pricing.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but a few must be specifically requested before you get the savings. Car insurance in

Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
Claim Free – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
Military Discounts – Having a deployed family member could be rewarded with lower premiums.
Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for CX-7 insurance with select insurance companies.
Sign Online – A few companies may give you up to $50 for buying your policy over the internet.
Distant Student – Any of your kids living away from home attending college and do not have a car can receive lower rates.
Discount for New Cars – Insuring a new car is cheaper since new cars are generally safer.
More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
Student Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.
Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will cut your premiums.

To see a list of providers offering car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying the best car insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight whether or not you would benefit from professional advice.

Does my policy cover my teen driver if they drive my company car?
What are the best liability limits?
When should my teen driver be added to my policy?
When should I drop full coverage on my Mazda CX-7?
Are my friends covered when driving my Mazda CX-7?
Am I covered when using my vehicle for business?
What can I do if my company won’t pay a claim?
If my Mazda CX-7 is totaled, can I afford another vehicle?
Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Mazda CX-7 rates are made up of many parts

Consumers need to have an understanding of the rating factors that play a part in calculating car insurance rates. Understanding what influences your rates enables informed choices that will entitle you to big savings.

Shown below are some of the items car insurance companies consider when setting prices.

More miles equals more premium – The more you drive in a year the more you will pay for car insurance. Most companies apply a rate based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than those used for commuting. Having the wrong rating on your CX-7 can cost quite a bit. Make sure your car insurance policy is showing the correct driver usage.
High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates. If your Mazda CX-7 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
Protect yourself with liability coverage – The liability section of your policy provides coverage if ever a court rules you are at fault for damages from an accident. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Your job and insurance rates – Did you know your car insurance rates can be affected by your occupation? Occupations such as lawyers, architects and stock brokers are shown to have the highest rates because of high stress and long work hours. On the other hand, occupations like scientists, students and performers pay the least for CX-7 insurance.
A clean driving record saves money – Even one moving violation can increase rates twenty percent or more. Good drivers receive lower rates compared to drivers with tickets. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Where you live is a factor – Being located in a rural area has it’s advantages when buying car insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities tend to have congested traffic and longer commute times. Longer commute distances means higher likelihood of an accident.

Is there truth in advertising?

Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads say the same thing about savings if you change your policy. How do they all claim to save you money? It’s all in the numbers.

All the different companies have a preferred profile for the type of customer they prefer to insure. An example of a driver they prefer might be a mature driver, owns a home, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t measure up to the “perfect” profile will be quoted higher rates which leads to business not being written. The ads state “people who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can make the claims of big savings.

This emphasizes why you should compare many company’s rates. It’s just too difficult to predict which insurance companies will fit your personal profile best.

More quotes mean more savings

Cheaper Mazda CX-7 insurance can be found both online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We’ve covered many ideas to reduce Mazda CX-7 insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price while not skimping on critical coverages.