2013 Mazda CX-9 Car Insurance Rates – 6 Tips to Save

Searching for lower insurance rates for your Mazda CX-9? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us, there are a lot of people just like you who feel imprisoned by their insurance policy. Drivers have multiple car insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it can be more challenging to get the best deal.

You should make it a habit to price shop coverage once or twice a year due to the fact that insurance rates fluctuate regularly. Even if you got the lowest price on CX-9 coverage six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Vehicle owners just need to know the proper methods to shop their coverage around over the internet.

The quickest way to get rate comparisons is to know the fact most of the bigger providers have advanced systems to give rate comparisons. To get started, all you need to do is provide a little information including the year, make and model of vehicles, types of safety features, whether you drive to work or school, and level of coverage desired. That rating data is sent automatically to multiple car insurance providers and you get price estimates immediately.

Save big with these six discounts

Car insurance companies do not advertise every available discount in a way that’s easy to find, so we break down some of the more common as well as the least known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Federal Employees – Employees or retirees of the government can save as much as 8% on CX-9 coverage with certain companies.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Fewer annual miles on your Mazda could be rewarded with a substantially lower rate.
  • Student in College – Kids in college who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • No Claims – Good drivers with no accidents pay less as compared to accident-prone drivers.

Keep in mind that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

A partial list of companies who might offer some of the above discounts are:

Before buying, ask each insurance company how you can save money. Discounts may not be available everywhere.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • Should I bundle my homeowners policy with my auto?
  • Does my liability insurance cover pulling a trailer or camper?
  • When should I remove comp and collision on my 2013 Mazda CX-9?
  • Can I afford to buy a different vehicle if my 2013 Mazda CX-9 is totaled?
  • How much can I save by bundling my policies?
  • How can I get my company to pay me more for my totalled car?
  • Do I really need UM/UIM coverage?
  • Is rental equipment covered for theft or damage?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Switch companies and save? Really?

Consumers can’t ignore all the ads for cheaper car insurance by State Farm, GEICO and Progressive. All the companies make an identical promise of big savings if you move to their company.

But how can every company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the type of driver that makes them money. An example of a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and has excellent credit. A customer that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Potential insureds who don’t meet these standards will be charged a more expensive rate and ends up with the customer not buying. The ads say “people who switch” not “people who quote” save that much. That’s why insurance companies can confidently advertise the savings. That is why you should get quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

Parts of your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Liability coverages

Liability coverage will cover damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, bail bonds, legal defense fees and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as chiropractic care, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2013 Mazda CX-9.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, fire damage and a broken windshield. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays for damage to your CX-9 resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Shop Smart and Save

Discount 2013 Mazda CX-9 insurance can be purchased both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone dropped comprehensive coverage or liability limits only to find out they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best price.

In this article, we covered a lot of information how to get a better price on insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from an unexpected company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

More information is available at these links: