Cheapest 2014 Mazda CX-9 Insurance Rates 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 12, 2023

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Trying to find lower insurance rates? Buyers have a choice when searching for affordable Mazda CX-9 insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to get rate quotes.

There are more efficient ways to shop for insurance so we’re going to tell you the best way to compare rates for a Mazda and find the lowest possible price from both online companies and local agents.

This information will familiarize you with how to get online quotes. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Drivers just need to understand how to buy insurance online.

Don’t pay full price with these discounts

Car insurance is not cheap, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but less common discounts must be specifically requested before you get the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Homeowners Savings – Owning a house may trigger a insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Defensive Driver – Completing a driver safety course could save 5% or more if your company offers it.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Organization Discounts – Belonging to a qualifying organization is a good way to get lower rates when shopping for insurance for CX-9 insurance.
  • Claim Free – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
  • Senior Citizens – Older drivers can possibly qualify for better insurance rates for CX-9 insurance.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.

It’s important to note that most discounts do not apply the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. But all discounts will cut the amount you have to pay.

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

  • State Farm
  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

Check with each company which discounts you may be entitled to. Some discounts might not apply in every state.

Your personal situation dictates your coverage

When it comes to buying the best car insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

  • How high should deductibles be on a 2014 Mazda CX-9?
  • Does my insurance cover a custom paint job?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I hit a deer?
  • What happens if I owe more than my 2014 Mazda CX-9 is worth?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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The insurance coverage bait and switch

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise that you’ll save big if you change your policy.

How do they all make almost identical claims? This is how they do it.

Different companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer might be between the ages of 30 and 50, has no prior claims, and has excellent credit. A prospective insured who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Drivers who are not a match for this ideal profile will be quoted higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that kind of money. That’s the way companies can make the claims of big savings.

This emphasizes why you should compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.

Auto insurance 101

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

This coverage pays for damage to your CX-9 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, crashing into a building and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like legal defense fees, attorney fees, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like prosthetic devices, surgery, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mazda CX-9.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, vandalism, damage from flooding, damage from a tornado or hurricane and falling objects. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

The bottom line

We just covered a lot of ways to lower your 2014 Mazda CX-9 insurance rates. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.

Consumers switch companies for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, lack of trust in their agent and being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

Lower-priced insurance is available online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not offer online price quotes and these small, regional companies work with independent agents.

Much more information about auto insurance is located at these links:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find affordable auto insurance rates for a 2014 Mazda CX-9?

To find affordable auto insurance rates for your 2014 Mazda CX-9, you have two options:

  • Struggle with agents and spend time getting quotes.
  • Use the internet to compare rates from both online companies and local agents.

The best way to compare rates and find the lowest possible price is by using online resources. You can enter your ZIP code below to view companies that offer cheap auto insurance rates specifically for your area.

What discounts are available to reduce the cost of car insurance?

Car insurance can be expensive, but there are various discounts that can help you cut costs considerably. While some discounts are automatically applied at the time of quoting, others need to be specifically requested. Here are a few common discounts you may be eligible for:

  • Multi-policy discount
  • Multi-car discount
  • Good driver discount
  • Good student discount
  • Safety features discount
  • Low mileage discount
  • Pay-in-full discount

How do car insurance companies make claims of big savings?

Car insurance companies often make claims of big savings when you switch your policy. However, these claims are based on a customer profile that aligns with their preferred demographic. Companies look for customers who are likely to be profitable, such as individuals between the ages of 30 and 50 with a clean driving record and good credit.

By targeting these customers, companies offer lower rates, resulting in potential savings. However, if you don’t fit the ideal profile, you may receive higher premiums. That’s why it’s crucial to compare rates from multiple companies. It’s impossible to predict which company will offer the best rates for your personal profile, so comparing quotes is essential to find the most affordable option.

What are the essential coverages I need for my Mazda CX-9?

The essential coverages you need for your Mazda CX-9 are collision coverage, liability car insurance, medical expense coverage, uninsured/underinsured coverage, and comprehensive protection. These coverages help protect you and your vehicle from various risks and potential accidents. It’s recommended to consult with an insurance agent to determine the specific coverage limits that suit your needs.

How can I save money on my 2014 Mazda CX-9 insurance rates?

To lower your 2014 Mazda CX-9 insurance rates, consider the following tips:

  • Compare quotes from multiple insurance companies: By comparing rates, you can find the most affordable option for your specific needs.
  • Take advantage of available discounts: Ask insurance providers about discounts you may qualify for, such as multi-policy, good driver, or safety feature discounts.
  • Adjust your coverage limits and deductibles: Increasing your deductibles and adjusting coverage limits can help lower your premiums. However, make sure you choose limits and deductibles that still provide adequate coverage for your needs.
  • Maintain a good driving record: Safe driving can lead to lower insurance rates over time. Avoid traffic violations and accidents to maintain a clean driving record.
  • Consider bundling insurance policies: If you have multiple insurance needs, such as auto and home insurance, bundling them with the same provider can often result in discounts.

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