Compare 2009 Mazda CX-9 Car Insurance Cost

Expensive insurance can drain your checking account and put a big crunch on your finances. Shopping your coverage around is a great way to lower your monthly bill.

Lots of auto insurance companies contend for your business, and because of this it can be hard to compare insurance companies and get the best coverage at the best rate

It’s a great practice to take a look at other company’s rates every six months since rates are constantly changing. Just because you had the best rates on CX-9 insurance a year ago there may be better deals available now. There is too much inaccurate information about insurance online but we’re going to give you some good information on how to slash your insurance rates.

If you have car insurance now, you will be able to save some money using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Although car owners need to have an understanding of how companies price online insurance and take advantage of how the system works.

Cut your insurance rates with discounts

Insuring your fleet can be pricey, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be requested specifically before they will apply.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on CX-9 insurance than their less cautious counterparts.
  • No Claims – Claim-free drivers pay less compared to accident-prone drivers.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.

Consumers should know that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous. But all discounts will reduce your premiums.

Companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not be offered in every state.

Why your Mazda CX-9 might be costing you more

Consumers need to have an understanding of the different types of things that help determine your auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are a few of the “ingredients” that factor into rates.

  • Always keep insurance in force – Not having insurance is a misdemeanor and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, getting caught without coverage might get you a revoked license or a big fine.You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Where do you drive? – Driving more miles each year the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates compared to those used for work or business. An improperly rated CX-9 can cost quite a bit. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage.
  • Teen drivers pay high rates – Young drivers tend to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Little extras can really add up – There are quite a few extra coverages that you can get tricked into buying when buying auto insurance. Coverages for personal injury protection, accidental death and membership fees are examples of these. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Low deductibles can be expensive – Physical damage coverage, also known as collision and other-than-collision, protects your Mazda from damage. Some instances where coverage would apply would be colliding with a building, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay in the event of a claim. The more money you are required to pay out-of-pocket, the lower your rates will be on CX-9 insurance.
  • Rates may be lower depending on your job – Occupations like judges, architects and financial analysts tend to have higher average rates due to high stress and long work days. Conversely, occupations such as actors, engineers and the unemployed receive lower rates on CX-9 insurance.
  • Are you male or female? – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Women and men tend to get into accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you when you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.

You are unique and your car insurance should be too

When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions might point out if you could use an agent’s help.

  • How can I find cheaper teen driver insurance?
  • Does liability extend to a camper or trailer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When can I cancel my policy?
  • Am I getting all the discounts available?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • Should I rate my 2009 Mazda CX-9 as pleasure use or commute?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance 101

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as prosthetic devices, chiropractic care, ambulance fees and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, theft, vandalism, hitting a bird and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

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

Collision can pay for things like sideswiping another vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2009 Mazda CX-9.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.


This can cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, pain and suffering, medical services, court costs and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Power to the consumer

We covered many ideas to lower your 2009 Mazda CX-9 insurance rates. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the best prices are with an unexpected company. They may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured cut uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Cheap insurance is attainable on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Additional information is available on the following sites: