Car Insurance Quotes for a Mazda CX-7 in Tucson

It’s safe to assume that insurance companies don’t want you to compare rates. Insureds who get comparison quotes once a year are very likely to move their business because of the good chance of finding a more affordable policy. A recent study showed that drivers who shopped around saved as much as $72 a month as compared to drivers who don’t make a habit of comparing rates.

If finding budget-friendly rates on Mazda CX-7 insurance in Tucson is your objective, knowing the best way to shop and compare cheaper coverage can make it easier for you to save money.

Discount Mazda CX-7 insuranceIf saving money is your primary concern, then the best way to get the cheapest Mazda CX-7 insurance is to do a yearly price comparison from companies who provide car insurance in Tucson.

Step 1: Get a basic knowledge of how your policy works and the things you can control to prevent high rates. Many risk factors that cause rate increases such as accidents, careless driving, and poor credit can be improved by paying attention to minor details. Continue reading for more details to find cheap rates and get additional discounts that may be available.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple insurance companies. Compare rates now

Step 3: Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and buy the policy, verify that coverage does not lapse between policies.

Step 4: Notify your company or agent of your intention to cancel your current car insurance policy and submit the application along with any required down payment for your new coverage. Once received, keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.

The key thing to know about shopping around is that you’ll want to make sure you compare the same amount of coverage on every quote request and and to analyze as many different insurance providers as possible. Doing this provides a fair rate comparison and a thorough selection of prices.

Affordable Mazda insurance prices in Tucson

The auto insurance companies shown below offer free rate quotes in Arizona. To locate cheap car insurance in AZ, we suggest you get prices from several of them to get a more complete price comparison.

Mazda CX-7 insurance analysis

The premium information displayed below covers a range of insurance prices for Mazda CX-7 models. Having a better idea how auto insurance policy rates are determined can be valuable when making decisions when shopping around.

Mazda CX-7 Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $112 $208 $288 $18 $86 $712 $59
CX-7 Sport 2WD $126 $208 $288 $18 $86 $726 $61
CX-7 Touring 2WD $126 $208 $288 $18 $86 $726 $61
CX-7 Touring 4WD $126 $246 $288 $18 $86 $764 $64
CX-7 Grand Touring 2WD $140 $246 $288 $18 $86 $778 $65
CX-7 Grand Touring 4WD $140 $246 $288 $18 $86 $778 $65
Get Your Own Custom Quote Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in your specific Tucson location which can modify price quotes significantly.

Physical damage deductibles: Should you raise them?

When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The tables below determine the rate fluctuation between low and high coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Mazda CX-7 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $258 $466 $300 $18 $90 $1,157 $96
CX-7 Sport 2WD $292 $466 $300 $18 $90 $1,191 $99
CX-7 Touring 2WD $292 $466 $300 $18 $90 $1,191 $99
CX-7 Touring 4WD $292 $548 $300 $18 $90 $1,273 $106
CX-7 Grand Touring 2WD $324 $548 $300 $18 $90 $1,305 $109
CX-7 Grand Touring 4WD $324 $548 $300 $18 $90 $1,305 $109
Get Your Own Custom Quote Go

Mazda CX-7 insurance with $1,000 deductibles
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

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in specific location which can modify premium rates considerably.

We can estimate from the data above that using a $100 deductible costs an average of $33 more each month or $396 a year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 27 months between claim filings, you would save more money if you elect the higher deductible. The numbers below show how you can make your own decision.

Average monthly premium for $100 deductibles: $103
Average monthly premium for $1,000 deductibles (subtract): – $70
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

The example below illustrates how your deductible choice and can raise or lower Mazda CX-7 insurance costs for different insured age categories. The prices are based on a single male driver, full coverage, and no policy discounts are applied.

Cheaper rates with these discounts

Some insurance providers do not list every discount they offer very well, so the below list has some of the more common and the more hidden discounts that may be available.

It’s important to note that most discounts do not apply to the whole policy. A few only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts should help lower your overall bill.

The chart below illustrates the difference between Mazda CX-7 auto insurance costs with and without discounts. The rate quotes are based on a female driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.

If you would like to choose from a list of insurers that have a full spectrum of discounts in Arizona, click here to view.

Get rate quotes but buy from a local Tucson insurance agent

Certain consumers just want to talk to an insurance agent and we recommend doing that Most agents will help you protect your assets and help file insurance claims. An additional benefit of comparing rate quotes online is that you can obtain lower rates and also buy local.

Insurance agents in TucsonBy using this simple form, the quote information is emailed to companies in Tucson who want to provide quotes for your car insurance coverage. You never need to search for any insurance agencies due to the fact that quote results will go directly to you. In the event you want to get a comparison quote from a specific car insurance provider, just navigate to their website and submit a quote form there.

Deciding on a company requires you to look at more than just the bottom line cost. These are some questions you should get answers to.

Choose an insurance agent wisely

If you need to find a local Tucson insurance agency, it can be helpful to understand the different agency structures and how they operate. Car insurance agents are categorized either independent (non-exclusive) or exclusive. Both write car insurance policies, but we need to point out the differences since it could factor into the type of agent you choose.

Exclusive Insurance Agents

Exclusive insurance agents can only provide pricing for a single company like State Farm, Allstate, and Farm Bureau. They usually cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are usually well trained on the products they sell which aids in selling service over price.

Shown below are exclusive agencies in Tucson that can give you price quotes.

131 S Camino SecoTucson, AZ 85710(520) 885-7717View Map

Casey Santoro – State Farm Insurance Agent
4231 W Ina Rd Ste 121Tucson, AZ 85741(520) 744-2400View Map

1101 S Sherwood Village DrTucson, AZ 85710(520) 546-8877View Map

More Tucson agents

Independent Agencies or Brokers

Independent agencies often have affiliation with several companies and that allows them to write policies with an assortment of companies and find you cheaper rates. If they find a cheaper price, the business is moved internally and you don’t have to do anything.

If you are comparing car insurance prices, you absolutely need to include several independent agencies to get the best comparison.

Shown below is a list of independent agencies in Tucson who can help you get rate quotes.

5151 E Broadway Blvd #120Tucson, AZ 85711(520) 901-7010View Map

6992 E Broadway BlvdTucson, AZ 85710(520) 571-1900View Map

5442 E 5th StTucson, AZ 85711(520) 747-3737View Map

More Tucson agents

Arizona car insurance companies

Ending up with the highest-rated insurance provider is hard considering how many companies there are to choose from in Arizona. The rank data below could help you decide which car insurance companies you want to consider when looking for cheaper rates.

Top 10 Tucson Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

Top 10 Tucson Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

In the end, you can save money

Some insurance providers may not offer internet price quotes and most of the time these regional insurance providers provide coverage only through local independent agents. Discount Mazda CX-7 insurance can be sourced both online and from local agencies, so you should compare both to have the best rate selection.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.

We covered many tips how you can find cheap Mazda CX-7 insurance in Tucson. The key thing to remember is the more times you quote, the higher your chance of finding cheaper Tucson auto insurance quotes. Consumers could even find that the best price on car insurance is with an unexpected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

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