2008 Mazda CX-7 Car Insurance Rates – 5 Policy Discounts

Searching for the cheapest insurance coverage rates for your Mazda CX-7? Locating the cheapest insurance for a new or used Mazda CX-7 can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to buy insurance coverage so you’re going to learn the proper way to price shop coverage for a new or used Mazda and locate the lowest possible price from both online companies and local agents.

It’s smart to price shop coverage at least once a year because prices fluctuate regularly. Despite the fact that you may have had the best deal for CX-7 insurance two years ago other companies may now be cheaper. You can search a lot of insurance coverage out there, but I’m going to show you some of the best techniques to lower your insurance coverage premiums.

Are you qualifying for every discount?

Companies offering auto insurance do not advertise every available discount very clearly, so we researched both well-publicized and also the lesser-known discounts that you may qualify for.

• ABS Brakes – Cars and trucks with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
• Early Signing – A few insurance companies allow discounts for signing up early. It’s a savings of about 10%.
• No Charge for an Accident – but some companies like Liberty Mutual, Allstate and State Farm allow you one accident before they charge you more for coverage if you have no claims before the accident.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
• Driving Data Discount – Drivers who elect to allow companies to scrutinize when and where they use their vehicle by installing a telematics device like Allstate’s Drivewise may get a rate reduction as long as they are good drivers.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, nobody gets a free ride. But all discounts will definitely reduce the cost of coverage.

Car insurance companies that possibly offer most of the discounts above include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Before buying, ask every company which discounts can lower your rates. Some discounts might not be available to policyholders in every state. If you would like to see a list of car insurance companies with significant discounts, click here to view.

When in doubt talk to an agent

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining if you might need an agent’s assistance.

• Where can I get insurance after a DUI in my state?
• Am I covered if I break a side mirror?
• Is my vehicle covered by my employer’s policy when using it for work?
• What if I owe more than I can insure my car for?
• Exactly who is provided coverage by my policy?
• Does my medical payments coverage pay my health insurance deductible?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does liability extend to a camper or trailer?
• Do all my vehicles need collision coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance policy specifics

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mazda CX-7.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, rock chips in glass, damage from flooding, fire damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This provides protection from damage that occurs to other people or property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, crashing into a ditch, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like prosthetic devices, rehabilitation expenses and hospital visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

In any little way, save everyday

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. In many cases, someone sacrificed collision coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

In this article, we presented quite a bit of information on how to reduce 2008 Mazda CX-7 insurance rates online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Drivers may discover the best price on insurance coverage is with a lesser-known regional company.

Drivers switch companies for a number of reasons such as policy cancellation, lack of trust in their agent, denial of a claim or delays in responding to claim requests. It doesn’t matter what your reason, finding a new insurance coverage company can be pretty painless.

To read more, take a look at these articles:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Who Has Affordable Miami Car Insurance for a Mazda CX-7? (MiamiCoverage.com)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• State Car Insurance Guides (Geico)