If you want to save money, the best way to find affordable Mazda CX-9 insurance is to compare prices at least once a year from insurers who can sell car insurance in Cleveland. This can be done by following these guidelines.
- Step 1: Get an understanding of how companies price auto insurance and the factors you can control to prevent rate increases. Many factors that cause high rates such as at-fault accidents, careless driving, and an unacceptable credit rating can be controlled by making minor changes in your lifestyle. Keep reading for more ideas to get cheaper rates and find discounts that you may qualify for.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from many different companies.
- Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in Cleveland. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.
- Step 4: Notify your current company to cancel your current car insurance policy. Submit a completed policy application and payment to your new insurance company. Immediately upon receiving it, keep the new proof of insurance certificate somewhere easily accessible.
The most important part of shopping around is that you’ll want to make sure you compare similar limits and deductibles on every quote request and and to analyze as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and the most accurate and complete price analysis.
It’s shocking but nearly 70% of consumers renewed their policy with the same company for well over three years, and just under half have never compared quotes from other companies. With the average premium in Ohio being $1,340, drivers could save up to 55% a year, but they underestimate the amount of savings they would get if they switch to a new company.
Locating the best rates in Cleveland is much easier if you know where to start. If you currently have a car insurance policy, you will definitely be able to find better prices using the ideas you’re about to read. But Ohio car owners must understand how companies set your policy premium and use it to find better rates.
Mazda CX-9 insurance statistics and information
The price information below highlights different insurance coverage prices for Mazda CX-9 models. Having a good understanding how insurance policy rates are formulated can benefit drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $158 | $274 | $274 | $16 | $82 | $804 | $67 |
| CX-9 Grand Touring 2WD | $158 | $322 | $274 | $16 | $82 | $852 | $71 |
| CX-9 Sport AWD | $158 | $322 | $274 | $16 | $82 | $852 | $71 |
| CX-9 Touring 2WD | $158 | $322 | $274 | $16 | $82 | $852 | $71 |
| CX-9 Touring AWD | $158 | $322 | $274 | $16 | $82 | $852 | $71 |
| CX-9 Grand Touring AWD | $176 | $322 | $274 | $16 | $82 | $870 | $73 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can modify rates greatly.
The diagram below shows how choosing a deductible and can change Mazda CX-9 insurance rates for different ages of insureds. The costs are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
Drive responsibly or pay higher rates
The information below demonstrates how speeding tickets and fender-benders can influence Mazda CX-9 yearly insurance costs for each age group. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
Premiums by gender and age
The example below shows the difference between Mazda CX-9 insurance prices for male and female drivers. The rates are based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.
Auto insurance policy coverages for a Mazda CX-9
Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.
Collision coverage – Collision coverage pays for damage to your CX-9 resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as hitting a parking meter, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible on your CX-9 in order to get cheaper collision rates.
Liability car insurance – Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for claims such as loss of income, attorney fees, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Ohio requires drivers to carry at least 25/50/25 but you should consider buying higher limits.
The illustration below demonstrates why buying low liability limits may not be adequate.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, doctor visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mazda CX-9.
Due to the fact that many Ohio drivers only purchase the least amount of liability that is required (25/50/25 in Ohio), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive auto insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as falling objects, a tree branch falling on your vehicle, a broken windshield, hail damage and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Persistent drivers can save
We just showed you many ideas to lower your Mazda CX-9 insurance prices in Cleveland. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the lowest prices come from a lesser-known regional company. They may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.
More affordable auto insurance in Cleveland can be sourced online and with local Cleveland insurance agents, and you should compare rates from both to get a complete price analysis. A few companies don’t offer the ability to get a quote online and most of the time these regional insurance providers work with local independent agents.
More detailed auto insurance information is available at these sites:
- Child Safety Seats (Insurance Information Institute)
- Who Has Cheap Cleveland Auto Insurance Rates for Homeowners? (FAQ)
- How Much is Auto Insurance for State Employees in Cleveland? (FAQ)
- How Much are Cleveland Car Insurance Quotes for a Nissan Altima? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)