2009 Mazda CX-7 Insurance Quotes – 10 Policy Discounts

Beginners to price shopping insurance online can find finding affordable insurance coverage quite difficult.

Compare Auto Insurance Today

There are multiple methods to compare 2009 Mazda CX-7 auto insurance prices but some are more efficient than others. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize the internet to get prices fast.

Many of the larger companies belong to a marketplace that allows shoppers to submit their information once, and each company can provide price quotes. This prevents consumers from doing quote forms for every auto insurance company.

To find out how much you can save on auto insurance click to open in new window.

The only drawback to getting quotes like this is that you can’t choose the insurers you want pricing from. So if you prefer to pick individual companies to compare prices, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, be sure to compare exactly the same coverage limits and deductibles for every company. If the quotes have different values for each quote you can’t possibly find the best deal for your Mazda CX-7. Having just a slight variation in coverage limits may result in large price differences. It’s important to know that comparing a large number of companies helps you find better pricing.

How to reduce 2009 Mazda CX-7 insurance rates

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be inquired about in order for you to get them.

  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.
  • Good Student – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • E-sign – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

It’s important to understand that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will bring down the cost of coverage.

For a list of companies with discount car insurance rates, click this link.

Tailor your coverage to you

When choosing the best auto insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your insurance needs will benefit from professional help.

  • Do I need replacement cost coverage?
  • What is roadside assistance coverage?
  • Is my 2009 Mazda CX-7 covered for smoke damage?
  • Is a fancy paint job covered?
  • Why am I required to buy high-risk coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are split liability limits better than a combined single limit?

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 want to speak to an agent in your area, fill out this quick form.

Car insurance coverages 101

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as dental work, surgery, pain medications, EMT expenses and doctor visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability coverage protects you from damage or injury you incur to other people or property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident 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, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical services, funeral expenses, pain and suffering, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive car insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, falling objects and a tree branch falling on your vehicle. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

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

Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree and driving through your garage door. 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. You can also raise the deductible in order to get cheaper collision rates.

Affordable insurance is out there

You just learned quite a bit of information on how to reduce 2009 Mazda CX-7 insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with the smaller companies.

Consumers leave their current company for a number of reasons such as policy cancellation, unfair underwriting practices, delays in paying claims and high rates after DUI convictions. Whatever your reason, switching companies can be easier than you think.

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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