Surprisingly, a recent survey revealed that the vast majority of insurance customers have purchased from the same company for more than four years, and almost 40% of drivers have never compared rates to find cheap insurance. Drivers in Scottsdale can cut their rates by as much as 50% a year, but they don’t understand how simple it is to compare rates and save money.
If you want to find the absolute lowest rates, then the best way to find the cheapest price for auto insurance rates is to make a habit of comparing prices annually from insurance carriers that insure vehicles in Scottsdale.
- Step 1: Gain an understanding of how companies set rates and the things you can change to keep rates in check. Many rating criteria that result in higher rates like traffic violations and poor credit rating can be remedied by making small lifestyle or driving habit changes.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agents can provide price quotes for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to the price on your current policy to see if cheaper CX-9 coverage is available. If you find a lower rate quote, make sure coverage does not lapse between policies.
- Step 4: Tell your current agent or company of your intention to cancel your current car insurance policy. Submit any necessary down payment along with the completed application for the new policy. Once the paperwork is finalized, put the certificate verifying coverage in your glove compartment.
An important bit of advice to remember is that you’ll want to compare identical deductibles and limits on each price quote and and to look at every company you can. This provides an apples-to-apples comparison and maximum price selection.
Companies offering Mazda CX-9 insurance in Arizona
The following companies are ready to provide price comparisons in Arizona. If you want to find cheap car insurance in AZ, it’s highly recommended you compare several of them to get a more complete price comparison.
Rates and detailed analysis
The coverage information shown below outlines different prices for Mazda CX-9 models. Having knowledge of how insurance prices are determined can benefit drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| CX-9 Grand Touring 2WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| CX-9 Sport AWD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| CX-9 Touring 2WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| CX-9 Touring AWD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| CX-9 Grand Touring AWD | $278 | $538 | $314 | $18 | $94 | $1,242 | $104 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific garaging location which can decrease or increase premium rates significantly.
Physical damage deductible comparison
One of the most common car insurance questions is how high should the physical damage deductibles be. The comparison tables below show the rate fluctuation when you select higher and lower coverage deductibles. The first table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| CX-9 Grand Touring 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| CX-9 Sport AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| CX-9 Touring 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| CX-9 Touring AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| CX-9 Grand Touring AWD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| CX-9 Grand Touring 2WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| CX-9 Sport AWD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| CX-9 Touring 2WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| CX-9 Touring AWD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| CX-9 Grand Touring AWD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in Scottsdale location which can increase or decrease auto insurance rates significantly.
Using the data above, we can ascertain that using a $250 deductible costs approximately $24 more each month or $288 for a full year averaged for all CX-9 models than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 31 months between claim filings, you would probably be better off by selecting a higher deductible.
How accidents and tickets impact rates in Scottsdale
The diagram below illustrates how speeding tickets and at-fault fender-benders can drive up Mazda CX-9 auto insurance costs for each age group. The data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.
Full coverage or liability only
The diagram below shows the comparison of Mazda CX-9 insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no claims, $100 deductibles, single status, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no clear-cut rule to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Mazda CX-9 book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If premiums are more than $400 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some conditions where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Discounts mean cheaper rates for Mazda CX-9 insurance in Scottsdale
Companies that sell car insurance don’t always advertise every discount available very well, so the following is a list of both well-publicized as well as some of the hidden discounts that you may qualify for.
- Multi-policy Discount – When you have multiple policies with one company you may earn up to 20% off your total CX-9 insurance premium.
- Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote Scottsdale car insurance with certain companies.
- Military Discounts – Being deployed in the military could qualify you for better car insurance rates.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may get savings as much as 30%.
- Defensive Driver Discounts – Passing a course teaching defensive driving skills could possibly earn you a 5% discount and also improve your driving technique.
As a footnote on discounts, most discounts do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, that’s just not realistic. Any qualifying discounts should help lower the cost of your policy.
The diagram below illustrates the difference between Mazda CX-9 premium costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, safe-driver, and marriage discounts applied.
The best car insurance companies and a partial list of their discounts are included below.
- State Farm offers discounts for Steer Clear safe driver discount, good student, driver’s education, anti-theft, good driver, defensive driving training, and accident-free.
- Progressive may offer discounts for homeowner, multi-policy, multi-vehicle, online signing, online quote discount, and continuous coverage.
- Progressive offers premium reductions for multi-vehicle, continuous coverage, multi-policy, online signing, good student, and online quote discount.
- MetLife may have discounts that include accident-free, claim-free, multi-policy, good driver, defensive driver, and good student.
- Farm Bureau may include discounts for safe driver, youthful driver, 55 and retired, driver training, multi-policy, and multi-vehicle.
- GEICO discounts include federal employee, anti-theft, air bags, defensive driver, multi-vehicle, military active duty, and emergency military deployment.
- SAFECO has savings for anti-theft, anti-lock brakes, teen safe driver, teen safety rewards, and safe driver.
If you need affordable Scottsdale car insurance quotes, ask each company to apply every possible discount. Depending on the company, some discounts might not be offered in your area.
Lower Insurance Rates with These Tips
Lots of things are used in the calculation when quoting car insurance. Some factors are common sense such as traffic violations, but others are more transparent like your continuous coverage or your financial responsibility.
- Excellent credit saves on auto insurance – Having a good credit score factor in determining premium rates. If your credit can use some improvement, you could pay less to insure your Mazda CX-9 if you clean up your credit. People with excellent credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
- Being married pays dividends – Getting married can actually save you money on your auto insurance policy. Marriage means you’re more financially stable and insurance companies like that married drivers get in fewer accidents.
- Cheaper rates with high deductibles – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mazda from damage. Some coverage claims are collision with another vehicle, hitting a deer, and having your car stolen. Comp and collision deductibles define how much you are required to pay if the claim is covered. The larger the amount the insured has to pay upfront, the lower your rates will be.
- Add-on coverages push up rates – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Things like roadside assistance, towing coverage, and additional equipment coverage are some examples. The coverages may be enticing at first, but if you’ve never needed them in the past eliminate them to save money.
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Gender and insurance – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. Men and women are responsible for at-fault accidents at about the same rate, but males get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like driving under the influence (DUI).
The example below compares Mazda CX-9 premium costs for male and female drivers. Data assumes no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.
- Vocation stress can make you pay more – Careers such as military generals, architects, and dentists tend to pay the highest rates due to intense work requirements and lots of time spent at work. On the flip side, jobs like scientists, historians and homemakers receive lower rates.
- Insurance companies don’t like frequent auto insurance claims – If you frequently file small claims, you should expect increased rates or even have your policy non-renewed. Car insurance companies in Arizona give most affordable rates to insureds who file claims infrequently. Auto insurance is intended for major claims that would cause financial hardship.
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Loss probability for a Mazda CX-9 – Insurance companies analyze past claim statistics as a way to help calculate a profitable premium price. Vehicles that tend to have higher frequency or amount of claims will have a higher premium rate. The next table shows the historical insurance loss data for Mazda CX-9 vehicles.
For each policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Percentage values below 100 represent a good loss history, while percentage numbers above 100 indicate more frequent claims or tendency to have higher losses.
Car Insurance Loss Data for Mazda CX-9 Models Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Mazda CX-9 4dr 2WD 87 108 74 87 95 89 Mazda CX-9 4dr 4WD 89 109 92 80 76 77 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When to get advice from a local insurance agent
Some consumers would rather sit down with an agent and that is not a bad decision The biggest benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes and also buy local. Buying from neighborhood insurance agencies is definitely important in Scottsdale.
After filling out this quick form, your coverage information is instantly submitted to companies in Scottsdale who will return price quotes for your coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go to the email address you provide. You can find the lowest rates AND a local agent. If you want to compare prices from a particular provider, feel free to jump over to their website to submit a rate quote request.
If you are searching for a good Scottsdale insurance agent, there are a couple of different agency structures and how they can quote your rates. Agents are considered either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Independent agencies can quote rates with many companies and that is an advantage because they can write policies with lots of companies and find you the best rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to switch agencies.
If you are comparing insurance prices, it’s recommended you compare prices from a few independent agents for the best price selection. Most also write with companies you’ve never heard of which may have better rates.
The following is a short list of independent agencies in Scottsdale who may be able to give you comparison quotes.
- Summit Insurance Advisors
5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map - Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map - Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. They usually cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on their company’s products which helps overcome the inability to quote other rates. Consumers often choose to use an exclusive agent primarily because of loyalty to the company rather than low rates.
The following is a short list of exclusive insurance agencies in Scottsdale willing to provide rate quotes.
- Farmers Insurance – Marc Sollee
6320 E Thomas Rd #303 – Scottsdale, AZ 85251 – (480) 900-8010 – View Map - Brandon Mueller – State Farm Insurance Agent
6149 N Scottsdale Rd #106 – Scottsdale, AZ 85250 – (480) 991-0119 – View Map - John Collins – State Farm Insurance Agent
8140 E Cactus Rd Ste 700 – Scottsdale, AZ 85260 – (602) 466-3100 – View Map
Deciding on an insurance agent shouldn’t rely on just the price. These are some questions your agent should answer.
- Does the agency support the community they serve?
- Which insurance company do they prefer to write with?
- Do the agents have professional certifications like CPCU or CIC?
- What kind of financial rating does the company have?
- Where would your vehicle be repaired?
- What discounts might you be missing?
Affordable insurance rates are out there
Cost effective Mazda CX-9 insurance can be purchased from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not have online price quotes and most of the time these regional carriers only sell coverage through independent agents.
We covered a lot of information how to compare Mazda CX-9 insurance prices in Scottsdale. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding low cost Scottsdale car insurance quotes. You may even discover the best prices are with a smaller regional carrier.
Insureds switch companies for many reasons like high rates after DUI convictions, questionable increases in premium, high prices or even extreme rates for teen drivers. No matter why you want to switch, choosing a new company is easier than you think.
Helpful information
- Teen Driver Licensing Information (iihs.org)
- How Much is Car Insurance for a Chevrolet Silverado in Scottsdale? (FAQ)
- Who Has Affordable Car Insurance Rates for Good Drivers in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for a Ford F-150 in Scottsdale? (FAQ)
- Red Light Cameras (State Farm)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)