Paying for high-priced Mazda CX-7 insurance in Scottsdale can bleed your funds and put the squeeze on your family’s finances. Comparing cost estimates is a fast and free way to lower your monthly bill.
It goes without saying that insurance companies want to keep you from comparing rates. Drivers who do rate comparisons are likely to switch companies because there is a significant possibility of finding lower rate quotes. A recent survey found that drivers who compared prices regularly saved an average of $3,400 over four years as compared to drivers who never compared rates.
If finding the cheapest price on Mazda CX-7 insurance in Scottsdale is your intention, then learning about how to shop and compare cheaper coverage can save money and time.
How to find cheaper Mazda CX-7 insurance in Scottsdale
Truthfully, the best way to find lower priced auto insurance rates in Scottsdale is to compare prices once a year from different companies in Arizona.
- Step 1: Learn about what coverages are included in your policy and the measures you can take to prevent expensive coverage. Many rating criteria that result in higher rates like multiple speeding tickets and poor credit history can be eliminated by improving your driving habits or financial responsibility.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple companies.
- Step 3: Compare the quotes to the premium of your current policy and see if you can save money. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
One tip to remember is that you’ll want to compare identical deductibles and limits on every quote and and to analyze as many companies as feasibly possible. Doing this enables an accurate price comparison and many rates to choose from.
Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a company to discover the definitive best price available on Mazda CX-7 insurance in Scottsdale.
If you have a current insurance policy or are looking for a new policy, follow these tips to find the best rates without reducing coverage. Buying the cheapest insurance in Scottsdale is not that difficult as long as you know where to start. Shoppers just need to understand the fastest way to compare price quotes using one simple form.
Cutting your Scottsdale car insurance rates is a great way to save money. Just take a few minutes comparing price quotes from some recommended companies.
Comparing free rate quotes online is easy and it, takes the place of having to spend time driving to different Scottsdale agent offices. Comparing Mazda CX-7 insurance rates online makes this unnecessary unless you prefer the personal advice of a local Scottsdale agent. However, consumers can obtain prices from the web but buy the policy through an agent.
The following companies can provide free quotes in Arizona. To find cheap car insurance in Scottsdale, we suggest you visit as many as you can in order to find the most affordable rates.
Rates and detailed analysis
The information shown below covers different insurance prices for Mazda CX-7 models. Being more informed about how prices are formulated can be of help when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| CX-7 Sport 2WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| CX-7 Touring 2WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| CX-7 Touring 4WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| CX-7 Grand Touring 2WD | $278 | $538 | $314 | $18 | $94 | $1,242 | $104 |
| CX-7 Grand Touring 4WD | $278 | $538 | $314 | $18 | $94 | $1,242 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease premium rates significantly.
Raise deductibles and save
When shopping for auto insurance, a common question is which deductibles should you choose. The following insurance rates highlight how much more rates are between high and low deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| CX-7 Sport 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| CX-7 Touring 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| CX-7 Touring 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| CX-7 Grand Touring 2WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| CX-7 Grand Touring 4WD | $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-7 SV 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| CX-7 Sport 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| CX-7 Touring 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| CX-7 Touring 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| CX-7 Grand Touring 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| CX-7 Grand Touring 4WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific location which can change prices noticeably.
Based on the data above, we can derive that using a $250 deductible costs approximately $24 more each month or $288 a year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 31 months between claim filings, you would probably be better off if you choose the higher deductible. Below is the way you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $94 |
| Average monthly premium for $1,000 deductibles (subtract): | – $70 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
Violations and accidents raise rates
The diagram below demonstrates how citations and accident claims drive up Mazda CX-7 premium costs for different age categories. Data assumes a single male driver, full coverage, $500 deductibles, and no discounts are factored in.
Should you buy full coverage?
The diagram below illustrates the comparison of Mazda CX-7 yearly insurance costs when comparing full coverage to state minimum liability only. The data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no definitive guideline for excluding full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Mazda CX-7 claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after the deductible is paid. If you are paying more than $700 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few cases where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
Can’t I compare prices from local Scottsdale insurance agents?
A lot of people still like to sit down with an agent and that is recommended in a lot of cases Good agents will help you protect your assets and will help you if you have claims. One of the great benefits of getting free rate quotes online is you can get cheap rate quotes and still have an agent to talk to.
After filling out this simple form, your insurance data is immediately sent to participating agents in Scottsdale who will give you quotes for your coverage. It makes it easy because there is no need to contact any agents because quoted prices will be sent to you directly. If you need to get a comparison quote from a specific car insurance provider, you just need to find their quoting web page and complete a quote there.
Selecting an company requires you to look at more than just a cheap price. Any agent in Scottsdale should be willing to answer these questions.
- Which companies do they recommend if they are an independent agency?
- How many years of experience in personal auto insurance do they have?
- What insurance company do they write the most business with?
- Will you get a loaner vehicle if you car is being repaired?
- In the event of vehicle damage, can you pick the collision repair facility?