If you want to save the most money, the best way to find cheaper prices for Mazda CX-7 insurance is to compare quotes once a year from insurance carriers who can sell car insurance in Charlotte. Prices can be compared by completing these steps.
- Try to learn about coverages and the steps you can take to prevent expensive coverage. Many factors that cause rate increases such as high-risk driving behaviors and an unacceptable credit rating can be improved by paying attention to minor details. Read the full article for ideas to get lower rates and get additional discounts.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can give you price quotes for many different companies. Find a Charlotte insurance agent
- Compare the new rates to your existing policy to see if a cheaper rate is available. If you find better rates and decide to switch, make sure coverage is continuous and does not lapse.
- Provide written notification to your current company of your intent to cancel your current car insurance policy. Submit a down payment and signed policy application to your new agent or company. As soon as you receive it, place the new certificate verifying coverage in your vehicle.
The most important part of shopping around is to use similar deductibles and liability limits on each quote and and to get price quotes from as many companies as possible. Doing this guarantees a level playing field and a complete selection of prices.
Everyone knows that insurance companies want to keep you from comparing rates. Insureds who shop around for cheaper rates are inclined to move their business because they have a good chance of finding discount prices. A study discovered that people who compared prices once a year saved $850 each year compared to those who don’t regularly compare prices.
If finding the cheapest price on Mazda CX-7 insurance is the reason you’re here, then having a good understanding the best way to quote and compare car insurance can make it easier to shop your coverage around.
Comparing rates for the lowest-priced auto insurance in Charlotte is easy to do. Basically, every car owner who carries auto insurance will be able to cut their insurance bill. Nevertheless, North Carolina drivers benefit from understanding the methods companies use to sell online and use it to your advantage.
Cheaper Mazda CX-7 insurance in Charlotte
Buying car insurance is not cheap, but companies offer discounts to help bring down the price. Most are applied when you complete an application, but a few must be asked about before you will receive the discount.
- Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
- Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
- Waiver for an Accident – This one isn’t a discount, but certain companies may permit one accident before raising your premiums if you have no claims before the accident.
- Multi-Vehicle Discounts – Buying coverage for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
- Discount for Low Mileage – Low mileage vehicles may enable drivers to earn slightly better car insurance rates than normal.
- Government Employees – Simply working for the federal government may qualify for a discount when you quote Charlotte car insurance with select insurance companies.
- Driver’s Ed – Require your teen driver to enroll and complete driver’s education in school.
- Onboard Data Collection – Drivers that enable companies to track when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
Please keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, car insurance companies aren’t that generous.
The chart below shows the comparison of Mazda CX-7 insurance rates with and without discounts applied to the rates. The information is based on a male driver, no claims or driving citations, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, safe-driver, and multi-policy discounts applied.
A few of the larger companies and the discounts they provide can be found below.
- State Farm may have discounts that include passive restraint, student away at school, multiple policy, Drive Safe & Save, accident-free, driver’s education, and good driver.
- Nationwide offers discounts for accident-free, defensive driving, easy pay, Farm Bureau membership, and multi-policy.
- GEICO may include discounts for military active duty, membership and employees, emergency military deployment, good student, and driver training.
- AAA policyholders can earn discounts including multi-policy, anti-theft, pay-in-full, education and occupation, good driver, AAA membership discount, and good student.
- 21st Century offers premium reductions for anti-lock brakes, automatic seat belts, air bags, theft prevention, teen driver, and driver training.
- The Hartford offers discounts including driver training, bundle, defensive driver, vehicle fuel type, air bag, anti-theft, and good student.
If you want affordable Charlotte car insurance quotes, ask every company the best way to save money. Discounts might not be available to policyholders in Charlotte.
When quoting car insurance, remember that comparing a large number of companies provides better odds of finding more affordable insurance. Not every company does rate quotes online, so it’s important to compare prices from the smaller companies as well.
The companies shown below offer price quotes in North Carolina. If you want to find the cheapest auto insurance in North Carolina, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Mazda CX-7 insurance analysis
The premium information displayed next outlines different rate quotes for Mazda CX-7 models. Having a better understanding of how auto insurance prices are calculated is important for you to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $122 | $222 | $240 | $14 | $72 | $670 | $56 |
| CX-7 Sport 2WD | $138 | $222 | $240 | $14 | $72 | $686 | $57 |
| CX-7 Touring 2WD | $138 | $222 | $240 | $14 | $72 | $686 | $57 |
| CX-7 Touring 4WD | $138 | $262 | $240 | $14 | $72 | $726 | $61 |
| CX-7 Grand Touring 2WD | $154 | $262 | $240 | $14 | $72 | $742 | $62 |
| CX-7 Grand Touring 4WD | $154 | $262 | $240 | $14 | $72 | $742 | $62 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price estimates do not factor in vehicle location which can decrease or increase auto insurance rates substantially.
An analysis of deductible level
One of the most common car insurance questions is how high should your deductibles be. The following insurance rates may aid in understanding the costs and benefits of buying low and high physical damage coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| CX-7 Sport 2WD | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| CX-7 Touring 2WD | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| CX-7 Touring 4WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| CX-7 Grand Touring 2WD | $270 | $456 | $250 | $14 | $74 | $1,089 | $91 |
| CX-7 Grand Touring 4WD | $270 | $456 | $250 | $14 | $74 | $1,089 | $91 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| CX-7 Sport 2WD | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| CX-7 Touring 2WD | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| CX-7 Touring 4WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| CX-7 Grand Touring 2WD | $150 | $240 | $250 | $14 | $74 | $728 | $61 |
| CX-7 Grand Touring 4WD | $150 | $240 | $250 | $14 | $74 | $728 | $61 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific zip code location which can affect rates noticeably.
Based on the above data, using a $100 deductible would cost the average driver about $28 more each month or $336 for a full year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 32 months between claims, you would probably be better off going with the higher deductible.
Don’t assume everyone needs the same car insurance coverage
When quoting and comparing proper insurance coverage, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply.
For example, these questions might help in determining if your situation would benefit from an agent’s advice.
- Is my dog or cat covered if injured in an accident?
- Does coverage extend to a rental car in a foreign country?
- Should I have combined single limit or split liability limits?
- Will I lose any money if I cancel my policy before it expires?
- How does medical payments coverage work?
- What is an adequate liability insurance limit?
- Should I buy additional glass protection?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Auto insurance quotes from local Charlotte insurance agents
Many drivers would prefer to have an agent’s advice and doing that can be a smart decision The biggest benefit of comparing rate quotes online is the fact that drivers can get cheap rate quotes and still have an agent to talk to. Putting coverage with local agencies is important especially in Charlotte.
By using this simple form, the coverage information is instantly submitted to insurance agents in Charlotte who will gladly provide quotes for your auto insurance coverage. It makes it easy because there is no need to leave your house as quotes are delivered immediately to your email address. You can find lower rates and work with a local agent. If you wish to compare rates from a specific auto insurance provider, you just need to go to their quote page to submit a rate quote request.
Charlotte auto insurance agents are either independent or exclusive
When narrowing the list to find local Charlotte agents, it’s helpful to know the types of insurance agents and how they can quote your rates. Auto insurance agents in Charlotte can be classified as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Independent agents do not work for one specific company so as a result can place your coverage with a variety of different insurance companies and find you cheaper rates. To transfer your coverage to a different company, your agent can just switch to a different company and you stay with the same agent. If you are comparing rate quotes, you need to get several quotes from several independent insurance agents for maximum quote selection. They often place coverage with companies that do not advertise much which may provide better rates.
The following are independent agencies in Charlotte that may be able to give cheap rate quotes.
- The Jordan Insurance Agency,LLC
13860 Ballantyne Corporate Pl #120 – Charlotte, NC 28277 – (704) 926-7565 – View Map - Charlotte Insurance
5113 Piper Station Dr #207 – Charlotte, NC 28277 – (704) 536-0995 – View Map - A1 Insurance
537 W Sugar Creek Rd # 104B – Charlotte, NC 28213 – (704) 598-4442 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive write business for a single company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to shop your coverage around so they have to upsell other benefits. They are well schooled on what they offer and that can be a competitive advantage. A lot of people purchase coverage from exclusives mainly due to high brand loyalty rather than low rates.
Listed below is a list of exclusive insurance agencies in Charlotte that are able to give comparison quotes.
- Gene Haynes – State Farm Insurance Agent
8316 Medical Plaza Dr a – Charlotte, NC 28262 – (704) 549-1515 – View Map - AAA Carolinas
6600 A A A Dr – Charlotte, NC 28212 – (704) 569-3600 – View Map - Joe Pomykacz – State Farm Insurance Agent
2730 E W.T. Harris Blvd #202 – Charlotte, NC 28213 – (704) 535-3700 – View Map
Picking an insurance agency should include more criteria than just the quoted price. Agents should be asked these questions:
- Which members of your family are coverage by the policy?
- Does the agency provide any after hours assistance?
- What company holds the largest book of business for them?
- Can you choose the body shop in case repairs are needed?
- What insurance companies do they recommend if they are an independent agent?
- When do they do a full risk review?
- How long have they been in business?
Don’t give up on cheap premiums
You just read many tips how you can save on Mazda CX-7 insurance in Charlotte. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest rates come from a smaller regional carrier. Smaller companies may only write in your state and offer lower auto insurance rates compared to the large companies like Allstate and Progressive.
When getting Charlotte car insurance quotes online, never buy less coverage just to save a little money. Too many times, consumers will sacrifice liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.
Additional detailed information can be read in these articles:
- Teen Driving Statistics (iihs.org)
- Who Has the Cheapest Charlotte Auto Insurance for a Toyota Highlander? (FAQ)
- Who Has Cheap Charlotte Auto Insurance for 4×4 Vehicles? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with a Bad Driving Record in Charlotte? (FAQ)
- Who Has the Cheapest Car Insurance for High Mileage Drivers in Charlotte? (FAQ)
- Who Has Affordable Car Insurance Rates for Real Estate Agents in Charlotte? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Rental Car Insurance Tips (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)