2009 Mazda CX-7 Car Insurance Quotes – 9 Tips to Save

Are you confused by the crazy number of insurance providers available to you? people have so many choices that it can easily turn into a ton of work to locate the lowest rates.

Quote auto insurance online

There are several ways of comparing rate quotes from all the different companies. By far the easiest way to comparison shop consists of obtaining rate quotes online. It’s really quite simple and can be done in a couple of different ways.

The fastest and easiest way consumers can analyze rates is a comparison rater form click to view form in new window. This quick form prevents you from having to do multiple quote forms to each individual auto insurance company. Completing one form compares rates from all major companies. Just one form and you’re done.

A different way to compare prices requires visiting the website for each individual company and request a quote. For examples sake, let’s assume you need rates from Liberty Mutual, State Farm and GMAC. To get each rate you have to spend time going to each site individually and enter your information, which can take a lot of time. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using identical coverage limits on every quote. If you use different limits and deductibles on each one it will be nearly impossible to determine the lowest rate for your Mazda CX-7. Just a small difference in insurance coverages or limits may result in a large different in cost. Just remember that comparing more rates from different companies increases the change that you will find a lower rate. Not every company allows you to get rate quotes online, so it’s necessary to compare rates from the smaller companies as well.

Cheaper rates with these nine discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that can dramatically reduce your bill. Many discounts should be triggered at the time of purchase, but some discounts are required to be specifically requested before you will receive the discount.

  • Accident Forgiveness – This one isn’t a discount, but some companies like State Farm, Progressive and GEICO will forgive one accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Sign Online – A handful of larger companies give back up to $50 for buying your policy on the internet.
  • Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations can get you a small discount on auto insurance.
  • Driver’s Ed – Have your child take driver’s ed class as it can save substantially.
  • Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote car insurance for CX-7 coverage with select insurance companies.
  • Life Insurance – Select insurance carriers reward you with a small discount if you purchase a life insurance policy as well.
  • Telematics Devices – Drivers who elect to allow data collection to study when and where they use their vehicle by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they show good driving skills.
  • Senior Citizen Discount – Older drivers may be able to get a discount up to 10% for CX-7 coverage.

Keep in mind that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky.

Some companies that may offer quotes with these discounts may include but are not limited to:

Check with each insurance company the best way to save money. Some discounts might not be available to policyholders in your area.

Auto insurance can be complex

When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation will benefit from professional help.

  • Am I covered if hit by an uninsured driver?
  • Should I buy only the required minimum liability coverage?
  • Am I insured when driving a different vehicle?
  • Can my teen drive my company car?
  • Why does it cost so much to insure a teen driver?
  • Should I put collision coverage on all my vehicles?
  • Do I need rental car coverage?
  • Does my 2009 Mazda CX-7 qualify for pleasure use?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages and their meanings

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for dental work, pain medications, rehabilitation expenses, funeral costs and prosthetic devices. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, damage from flooding, damage from getting keyed and theft. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Mazda CX-7.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Liability coverages

Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, pain and suffering, funeral expenses, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Have money to burn

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Consumers change insurance companies for many reasons like high prices, lack of trust in their agent, an unsatisfactory settlement offer and even unfair underwriting practices. No matter why you want to switch, switching car insurance companies can be easier than you think.

We just showed you quite a bit of information on how to shop for 2009 Mazda CX-7 insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. You may be surprised to find that the best price on car insurance is with the smaller companies.

Much more information about car insurance can be found on the following sites: