Finding affordable insurance for a Mazda CX-7 hinges on a complicated formula that considers factors such as how safe your vehicle is, your address, and citations or violations on your driving record. Drivers pay around $993 each year to insure their CX-7, but that is an estimation based on a 50-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you aren’t exactly 50 years old or even a male, married instead of single, and you don’t want the same coverages and limits as the example. Every driver’s needs are different, and that is why the way we recommend to find the cheapest insurance price for your Mazda is to compare as many rates as you can. It takes less than five minutes and you will be able to see rates from some of the cheapest companies available.
Your Mazda’s trim level will have an impact the yearly cost, so the cost to insure a CX-7 SV 2WD model will be $126 cheaper than the cost to insure the more costly CX-7 Grand Touring 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CX-7 SV 2WD||$204||$414||$348||$20||$104||$1,090||$91|
|CX-7 Sport 2WD||$232||$414||$348||$20||$104||$1,118||$93|
|CX-7 Touring 2WD||$232||$414||$348||$20||$104||$1,118||$93|
|CX-7 Touring 4WD||$232||$486||$348||$20||$104||$1,190||$99|
|CX-7 Grand Touring 2WD||$258||$486||$348||$20||$104||$1,216||$101|
|CX-7 Grand Touring 4WD||$258||$486||$348||$20||$104||$1,216||$101|
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in vehicle location which can impact premiums significantly.
Selecting the highest-rated insurance provider can be rather challenging considering how many companies there are to choose from in Henderson. The ranking data in the lists below can help you select which car insurance providers you want to consider when shopping car insurance rates for a Mazda CX-7. The ratings below only include large insurance companies, so smaller companies that only insure vehicles in Nevada are not included in the list.
Top 10 Large Auto Insurers in Henderson Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Large Auto Insurers in Henderson Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
The illustration below demonstrates how choosing different deductibles can increase or decrease insurance prices when researching cheap insurance for a Mazda CX-7. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $304 a year by changing from a $100 deductible up to a $500 deductible, or save $460 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, could possibly save up to $764 or even more by choosing a higher deductible.
If you do decide to increase your deductibles, it is important to have additional savings on hand to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How violations and accidents impact rates
The ideal way to find the cheapest insurance rates in Henderson for a CX-7 is to pay attention while driving and avoid accidents and traffic citations. The diagram below shows how violations and accident claims can raise insurance prices for each different age group. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of a car insurance policy in Henderson per year with no accidents and a clean driving record is $1,663. Factor in two speeding tickets and the average cost hikes up to $2,194, an increase of $532 each year. Now include one accident along with the two speeding tickets and the yearly cost of insurance for a Mazda CX-7 goes up to an average of $2,729. That’s an increase of $1,066, or $89 per month, just for not being more responsible behind the wheel!
Why you are probably overpaying for CX-7 insurance
Henderson insurance rates are based on many factors which can substantially change the price of coverage. Improving your credit score, adding a teenager to your policy, or getting a couple of tickets may cause policy rate changes that can cause some rates to be cheaper than others.
Additionally, auto insurance companies change rates at least once a year to ensure their profitability. Larger than normal claims may result in additional premium costs, while lower claim expenses can result in lower-cost CX-7 insurance rates.
The graph below shows the cheapest car insurance in Henderson, NV for a 30-year-old male driver with a clean driving record, no accidents, and excellent credit. If we estimate rates based on his personal profile, Travelers offers the best car insurance rates in Henderson at $1,447 each year. This is $127 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are the remainder of the cheapest Henderson, NV auto insurance companies.
Let’s now give the driver from above a chargeable claim, bad credit, and a stop sign violation. Because each company has a unique formula to determining premium rates, analyzing rate quotes will most likely result in a different set of affordable companies as shown below.
GEICO now has the lowest price on auto insurance in Henderson, NV with Allied, Nationwide, USAA, and Safeco also being competitive. This example shows why consumers need to do a thorough rate comparison to find the best auto insurance rates for a Mazda CX-7. Insurance prices consist of many different factors and change dramatically, so the cheapest option the last time you shopped your coverage around may now be an over-priced policy.
The professional agents shown below are a good start to help you decide which coverages are best, as some drivers aren’t sure which coverage they need and prefer to get help from a professional when trying to find the best insurance rates for a CX-7. It’s not always simple to find the cheapest car insurance policy, and a licensed agent can provide satisfaction knowing your policy gives you suitable coverage if you ever need to use it.
To locate an agency close to where you live, click the button below the list.
- Nick Sage – State Farm Insurance Agent
780 Coronado Center Dr Ste 100 – Henderson, NV 89052 – (702) 737-7150
- Avenue Insurance Agency
1258 Rising Cloud Cir – Henderson, NV 89052 – (702) 933-3289
- Centurion Insurance Services
1399 Galleria Dr #201 – Henderson, NV 89014 – (702) 871-0001
How to find budget-friendly car insurance for a Mazda CX-7
It’s not impossible to find cheaper rates, and here are some of the better money-saving ideas that can help Henderson drivers buy low-cost coverage.
- Earn discounts for being claim-free
- You will pay more if you get tickets or have at-fault accidents
- Vehicles with safetly features generally cost less to insure
- Buying car and homeowners insurance together can save money
- Accidents can significantly increase rates
- Keep rates low by shopping around frequently
The last tip is extremely crucial, as was stressed in the prior article. Car insurance prices fluctuate considerably, so don’t be unwilling to change insurance companies if a cheaper rate is available.
Sticking with a specific company is fine, but it’s not a great idea if that inflexibility results in costing you hundreds of dollars a year. Now is a great time to shop around to find cheaper auto insurance for a Mazda CX-7 in Henderson.