2010 Mazda CX-7 Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2024

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Purchasing cheaper car insurance over the internet can appear to be somewhat intimidating for people that are relatively new to price shopping online. With so many options of insurers to choose from, how are we expected to be able to compare the different rates to find the lowest rates?

It’s a good habit to quote other rates once or twice a year because car insurance prices trend upward over time. Just because you found the best quotes on CX-7 insurance last year you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn the tricks you need to know to find better rates and still maintain coverage.

Buying car insurance is not rocket science. If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. But car owners can benefit by having an understanding of the way insurance companies price online insurance.

Save with these discounts

Buying insurance coverage is not cheap, but there could be significant discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be asked for prior to getting the savings.

  • Homeowners Discount – Being a homeowner may trigger a policy discount on insurance coverage because it demonstrates responsibility.
  • Claim Free – Insureds who avoid accidents and claims can earn big discounts when compared to insureds who have frequent claims or accidents.
  • Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% on CX-7 insurance depending on your insurance coverage provider.
  • Safe Drivers – Drivers without accidents could pay up to 40% less on CX-7 insurance than less cautious drivers.
  • Mature Driver Discount – Drivers over the age of 55 may qualify for lower premium rates on CX-7 insurance.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Save with a New Car – Putting insurance coverage coverage on a new car can get you a discount because newer vehicles have to meet stringent safety requirements.
  • Driving Data Discount – Drivers who elect to allow data collection to spy on their driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.
  • Student in College – Kids who live away from home at college and do not take a car to college can be insured at a reduced rate.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 15% on medical payment and PIP coverage.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Companies and some of their more popular discounts can be found below.

  • State Farm may include discounts for student away at school, multiple policy, accident-free, good driver, anti-theft, driver’s education, and Drive Safe & Save.
  • Progressive includes discounts for multi-policy, homeowner, online signing, online quote discount, continuous coverage, good student, and multi-vehicle.
  • Progressive offers discounts including online quote discount, continuous coverage, homeowner, multi-vehicle, online signing, multi-policy, and good student.
  • MetLife offers discounts for claim-free, accident-free, multi-policy, good student, good driver, defensive driver
  • Farm Bureau has savings for safe driver, 55 and retired, multi-vehicle, renewal discount, youthful driver, and driver training.
  • GEICO offers premium reductions for driver training, defensive driver, air bags, seat belt use, and federal employee.
  • SAFECO has discounts for accident prevention training, bundle discounts, drive less, teen safety rewards, homeowner, anti-theft, and multi-car.

It’s a good idea to ask each company or agent the best way to save money. Savings might not apply in every state. If you would like to view insurance coverage companies that have a full spectrum of discounts, enter your zip code here.

Special considerations

When it comes to buying the best insurance coverage coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • When do I need to add a new car to my policy?
  • Should I have combined single limit or split liability limits?
  • Is other people’s property covered if stolen from my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Should I rate my 2010 Mazda CX-7 as pleasure use or commute?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Advertising myths

Big name companies like Allstate and Progressive seem to constantly run ads on television and other media. All the ads try to convey promises about savings just by switching to their company. How does every insurance company give you a better price? This is the trick they use.

All companies give the best rates for the type of customer that earns them a profit. An example of this type of risk profile might be between the ages of 30 and 50, has no claims, and drives newer vehicles. Anyone who matches that profile may get the lowest car insurance rates and will most likely pay quite a bit less when switching companies.

People who don’t qualify for the “perfect” profile may be required to pay higher rates with the end result being the driver buying from a lower-cost company. The trick companies use is to say “people that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how companies can advertise the way they do. This really emphasizes why it’s extremely important to do a price quote comparison at every renewal. It’s impossible to know the company that will fit your personal profile best.

Coverage specifics

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance

This coverage will cover damage that occurs to people or other 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.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things such as bail bonds, legal defense fees, attorney fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision insurance

This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, sustaining damage from a pot hole, driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, vandalism, fire damage, a broken windshield and falling objects. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay 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, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like surgery, prosthetic devices, chiropractic care and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Quote more. Save more.

When searching for cheap insurance coverage quotes, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

Drivers change insurance companies for a variety of reasons including delays in paying claims, delays in responding to claim requests, unfair underwriting practices and even high rates after DUI convictions. It doesn’t matter why you want to switch switching companies can be less work than you think.

In this article, we presented quite a bit of information on how to reduce 2010 Mazda CX-7 insurance premium rates online. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the smaller companies.

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