8 Best Tricks to Lower Mazda CX-7 Rates

Consumers have lots of choices when looking for low-cost Mazda CX-7 insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to make rate comparisons.

There is a better way to compare auto insurance rates so you’re going to learn the absolute fastest way to compare rates for a new or used Mazda and locate the lowest price from local insurance agents and online providers.

You should take the time to compare rates at least once a year because insurance rates tend to go up over time. Even if you think you had the lowest rates for CX-7 insurance a couple years back there may be better deals available now. Starting now, block out anything you think you know about auto insurance because you’re about to learn how to use the internet to find lower rates on auto insurance.

If you have insurance now or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. This information will help you learn the best way to quote coverages and some money-saving tips. Drivers just need to understand how to get comparison quotes online.

Discounts are great for lower rates

Insurance can cost an arm and a leg, but you may find discounts to reduce the price significantly. Most are applied when you get a quote, but a few must be asked about before they will apply. If you don’t get every credit available, you’re just leaving money on the table.

  • Safe Drivers – Insureds without accidents may save up to 50% more for CX-7 insurance than drivers with accidents.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings when shopping for auto insurance for CX-7 insurance.
  • Senior Citizens – Mature drivers may qualify for reduced rates for CX-7 insurance.
  • Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.

Keep in mind that many deductions do not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will cut your premiums.

For a list of companies with the best auto insurance discounts, click this link.

How to Buy Auto Insurance Online

Finding cheaper Mazda CX-7 auto insurance prices is not rocket science. All you need to do is spend a few minutes on the computer to compare quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing separate forms to each individual auto insurance company. One simple form will get you rate comparisons from many national carriers. It’s definitely the quickest method.
  2. A harder way to obtain and compare quotes online consists of going to each company website and request a quote. For example, we’ll pretend you want comparison quotes from Auto-Owners, State Farm and GEICO. You would have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended method of getting rate comparisons is driving around to different agent offices. Shopping for auto insurance online makes this process obsolete unless you want the professional advice of a licensed agent. It is possible to obtain prices from the web but still have the advice of a local agent and we’ll touch on that later.

Whichever method you choose, compare exactly the same deductibles and coverage limits on every quote you get. If your comparisons have different liability limits then you won’t be able to determine the lowest rate for your Mazda CX-7.

Your coverage should be tailored to you

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique. insurance cheap

These are some specific questions may help highlight whether you might need professional guidance.

  • How much underlying liability do I need for an umbrella policy?
  • Does my policy pay for OEM or aftermarket parts?
  • When would I need additional glass coverage?
  • Am I getting all the discounts available?
  • Does having multiple vehicles earn me a discount?
  • Is business property covered if stolen from my car?
  • Do I need PIP coverage since I have good health insurance?
  • What is the minimum liability in my state?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage considerations

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles, bail bonds and emergency aid. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like rehabilitation expenses, chiropractic care, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mazda CX-7.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, fire damage, damage from flooding and hitting a bird. 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 it’s not worth carrying full coverage.

cheap insurance for CX-7

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, hitting a parking meter, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

More comparisons equals lower rates

Insureds switch companies for a variety of reasons including questionable increases in premium, high rates after DUI convictions, denial of a claim and even being labeled a high risk driver. Whatever your reason, choosing a new company is not as difficult as it may seem.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to buy the best coverage you can find at an affordable rate.

Cost effective Mazda CX-7 insurance can be bought online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer online quoting and these small insurance companies work with independent agents.