How Much Does 2014 Mazda CX-9 Car Insurance Cost?

Searching for lower insurance rates for your Mazda CX-9? Locating low-cost insurance for a Mazda CX-9 can turn out to be an all-consuming task, but you can follow our insurance buying tips and make it easy. There is a right way and a wrong way to shop for insurance so you’re going to learn the proper way to compare rates for your Mazda and obtain the cheapest rates.

It’s a good idea to shop coverage around before your policy renews because rates tend to go up over time. Just because you found the lowest rates for CX-9 coverage two years ago you will most likely find a better rate today. Don’t believe everything you read about insurance on the web, but by reading this article, you’re going to learn some proven techniques to reduce your insurance bill.

Auto Insurance Prices Online

Most major insurance companies like Progressive, Allstate and GEICO allow you to get insurance quotes on the web. Getting online rates is quite easy as you just type in your personal and coverage information into the quote form. Upon sending the form, their system requests your driving record and credit report and quotes a price based on many factors.

Quoting online streamlines rate comparisons, but the time it takes to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it is imperative to perform this step if you are searching for the lowest price.

Isn’t there an easier way to compare rates?

A quicker way to get multiple rate quotes uses one simple form that gets prices from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. Immediately after you send the form, it is quoted and you can select any or none of the price quotes you receive. If a lower price is quoted, you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and could lower your rates considerably.

To compare rates using this form now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you type in coverages and limits as shown on your current policy. This ensures you are getting a rate comparison based on the exact same insurance coverage.

Don’t miss these discounts

Car insurance companies don’t always list every available discount in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates for CX-9 coverage.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • No Accidents – Claim-free drivers pay less when compared with frequent claim filers.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts might not apply in every state.

When might I need help?

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether you might need professional guidance.

  • Is my camper covered by my car insurance policy?
  • What is an SR-22 filing?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your auto insurance policy

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability

This coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, medical expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for bills such as dental work, pain medications, funeral costs, X-ray expenses and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, hail damage, damage from a tornado or hurricane, vandalism and theft. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

Collision insurance covers damage to your CX-9 from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda CX-9.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.