Are you looking for a better way to compare low-cost Mazda CX-7 insurance in Jacksonville? Wish you could get out of an expensive auto insurance policy? Don’t sweat it because there are lots of people in the same boat.
It’s easy to assume that insurance companies don’t want you to look for a cheaper policy. People who get comparison quotes at least once a year will probably switch companies because the odds are good of finding a policy with more affordable rates. A study discovered that drivers who made a habit of comparing rates saved on average $865 a year as compared to drivers who didn’t regularly shop around.
If finding the cheapest rates on auto insurance in Jacksonville is your ultimate goal, then learning a little about how to get rate quotes and compare insurance premiums can make it easier for you to save money.
Steps to finding cheaper Mazda CX-7 insurance in Jacksonville
The most effective way to find more affordable Mazda CX-7 insurance is to do an annual price comparison from insurers who provide auto insurance in Jacksonville. You can compare rates by following these guidelines.
- Step 1: Spend a few minutes and learn about how auto insurance works and the measures you can control to keep rates low. Many policy risk factors that cause rate increases such as traffic tickets, fender benders, and an unacceptable credit rating can be controlled by making lifestyle changes or driving safer. This article provides information to help prevent costly coverage and find more discounts that you may not know about.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can quote prices for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to the premium of your current policy to see if cheaper CX-7 coverage is available in Jacksonville. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
- Step 4: Give notification to your current company of your intention to cancel your current auto insurance policy and submit a down payment and signed policy application for the new coverage. Once the application is submitted, keep your new proof of insurance paperwork in your vehicle’s glove compartment or console.
An essential thing to point out is that you’ll want to compare similar limits and deductibles on each quote and and to get rate quotes from as many auto insurance providers as possible. This ensures an accurate price comparison and a thorough selection of prices.
Multiple insurers compete for your business, so it’s not easy to compare every insurance company and get the definite lowest rate on Mazda CX-7 insurance in Jacksonville.
It’s a good idea to get comparison quotes at least once a year because prices change frequently. Even if you got the lowest price on Mazda CX-7 insurance in Jacksonville a few years ago you will most likely find a better rate today. Don’t believe everything you read about CX-7 insurance online, but I’m going to show you a lot of great tips on how to lower your auto insurance bill.
Companies offering competitive Mazda CX-7 rate quotes in Jacksonville, FL
The providers in the list below can provide quotes in Jacksonville, FL. If several companies are displayed, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Statistics and details
The premium information shown next highlights a range of prices for Mazda CX-7 models. Understanding more about how insurance policy rates are determined is important to be able to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $278 | $560 | $472 | $28 | $142 | $1,480 | $123 |
| CX-7 Sport 2WD | $312 | $560 | $472 | $28 | $142 | $1,514 | $126 |
| CX-7 Touring 2WD | $312 | $560 | $472 | $28 | $142 | $1,514 | $126 |
| CX-7 Touring 4WD | $312 | $660 | $472 | $28 | $142 | $1,614 | $135 |
| CX-7 Grand Touring 2WD | $348 | $660 | $472 | $28 | $142 | $1,650 | $138 |
| CX-7 Grand Touring 4WD | $348 | $660 | $472 | $28 | $142 | $1,650 | $138 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific location information which can change price quotes greatly.
Can higher deductibles save money?
One common question asked by Jacksonville drivers is which deductibles should you choose. The tables below can help you understand the rate differences when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| CX-7 Sport 2WD | $406 | $648 | $418 | $24 | $124 | $1,645 | $137 |
| CX-7 Touring 2WD | $406 | $648 | $418 | $24 | $124 | $1,645 | $137 |
| CX-7 Touring 4WD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| CX-7 Grand Touring 2WD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| CX-7 Grand Touring 4WD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| CX-7 Sport 2WD | $224 | $342 | $418 | $24 | $124 | $1,132 | $94 |
| CX-7 Touring 2WD | $224 | $342 | $418 | $24 | $124 | $1,132 | $94 |
| CX-7 Touring 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| CX-7 Grand Touring 2WD | $250 | $402 | $418 | $24 | $124 | $1,218 | $102 |
| CX-7 Grand Touring 4WD | $250 | $402 | $418 | $24 | $124 | $1,218 | $102 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in Jacksonville location which can lower or raise insurance rates substantially.
Based on these figures, using a $100 deductible will cost you roughly $46 more each month or $552 each year than opting for the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 20 months between claim filings, you would probably be better off if you decide on a higher deductible.
The diagram below shows how different deductible levels and can raise or lower Mazda CX-7 insurance prices for different age groups. The data is based on a single female driver, full coverage, and no additional discounts are factored in.
Car insurance discounts help lower rates for Mazda CX-7 insurance in Jacksonville
Car insurance can be pricey, but discounts can save money and there are some available that could help you make your next renewal payment. Some of these discounts will be visible when you quote, but a few must be manually applied prior to receiving the credit.
- Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save a little off PIP or medical payments premium.
- No Accidents – Insureds who avoid accidents and claims pay less in comparison with drivers who are more careless.
- Braking Control Discount – Cars that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Defensive Driver – Completing a driver safety class could save 5% or more and make you a better driver.
- Active Service Discounts – Being deployed with a military unit could qualify you for better premium rates.
- Passive Restraint Discount – Cars that have air bags may earn rate discounts of 25 to 30%.
- Discounts for Federal Employees – Active or former government employment may qualify for a discount when you quote Jacksonville car insurance but check with your company.
A quick disclaimer, many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way.
The diagram below shows the difference between Mazda CX-7 insurance rates with and without discounts. The prices are based on a female driver, no driving violations, no at-fault accidents, Florida 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, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
For a list of companies with the best Mazda CX-7 insurance discounts in Jacksonville in Jacksonville, click here.
Don’t assume everyone needs the same car insurance coverage
When quoting and choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining whether or not you would benefit from professional advice.
- Does my car insurance cover rental cars?
- Am I covered if hit by an uninsured driver?
- Do I need roadside assistance coverage?
- Is my custom paint covered by insurance?
- What can I do if my company denied a claim?
- Is rental equipment covered for theft or damage?
If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
Car insurance quotes from neighborhood Jacksonville auto insurance agents
Some consumers would rather sit down and talk to an agent and that is OK! A nice benefit of getting free rate quotes online is that you can find the lowest rates but still work with a licensed agent. Supporting local agencies is important especially in Jacksonville.
To help locate an agent, after submitting this quick form, your insurance coverage information is emailed to local insurance agents in Jacksonville who will give competitive quotes and help you find cheaper coverage. You won’t even need to visit any agencies as quotes are delivered to the email address you provide. You can find better rates without the usual hassles of price shopping. If for some reason you want to quote rates from a specific car insurance provider, just search and find their rate quote page and give them your coverage information.
What type of Jacksonville auto insurance agent is right for you?
If you are wanting to find a reliable insurance agent, you need to know there are two different types of agencies and how they operate. Jacksonville agents are categorized either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
Independent insurance agents do not write with just one company so they have the ability to put coverage through lots of different companies and find the cheapest car insurance rates. If premiums increase, they simply move the coverage in-house which is easy for the insured.
If you need lower rates, we recommend you get rate quotes from multiple independent agents to get the best comparison.
Featured below is a short list of independent insurance agencies in Jacksonville that may be able to provide price quote information.
Norris Insurance Agency
10695 Beach Blvd #1 – Jacksonville, FL 32246 – (904) 329-7950 – View Map
Mike Bell Insurance Agency
1819 3rd St N – Jacksonville Beach, FL 32250 – (904) 372-2355 – View Map
Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336 – View Map
Exclusive Agencies
Agents of this type write business for a single company such as State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. They are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates.
Listed below are Jacksonville exclusive insurance agencies who can help you get price quote information.
Allstate Insurance: Stephanie Ando
3546 St Johns Bluff Rd S #109 – Jacksonville, FL 32224 – (904) 645-8880 – View Map
Therese Quinn – State Farm Insurance Agent
1944 Southside Blvd – Jacksonville, FL 32216 – (904) 724-6040 – View Map
Jim Love – State Farm Insurance Agent
2730 College St – Jacksonville, FL 32205 – (904) 384-5000 – View Map
Choosing an auto insurance agent needs to be determined by more than just the bottom line cost. Any agent in Jacksonville should be forthright in answering these questions:
- Does the quote include credit and driving reports?
- Do they offer accident forgiveness?
- Will their companies depreciate repairs to your car based on the mileage?
- If independent agents, which companies do they recommend?
- Does the agency support the community they serve?
- Is there a local claims center in Jacksonville?
Upon getting acceptable answers for all questions you ask and a low price estimate, you may have found an insurance agency that is professional and can insure your vehicles. Just understand that once you purchase a policy you can cancel your policy at any time so don’t assume you’re contractually obligated to the car insurance policy with no way to switch.
Get the best coverage at the lowest price
Some insurance companies may not have the ability to get quotes online and many times these regional insurance providers sell through independent insurance agencies. Budget-conscious Mazda CX-7 insurance can be sourced on the web and with local Jacksonville insurance agents, and you should compare rates from both to have the best rate selection.
We’ve covered many tips how you can save on Mazda CX-7 insurance in Jacksonville. The most important thing to understand is the more you quote Jacksonville car insurance, the better your comparison will be. You may even find the lowest auto insurance rates come from some of the lesser-known companies. Some small companies may only write in your state and offer lower premium rates compared to the large companies like Progressive or GEICO.
When shopping online for car insurance, do not skimp on coverage in order to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
Steps to buying discount Mazda CX-7 insurance in Jacksonville
If you want to save money, the best way to get discount Mazda CX-7 insurance is to make a habit of comparing prices annually from insurers who sell auto insurance in Jacksonville.
- It will benefit you to learn about how your policy works and the factors you can control to keep rates in check. Many rating factors that increase rates like getting speeding tickets and a less-than-favorable credit rating can be remedied by improving your driving habits or financial responsibility.
- Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple sources. View insurance agents
- Compare the quotes to the premium of your current policy to see if a cheaper price is available in Jacksonville. If you find a better price, make sure there is no lapse in coverage.
- Give notification to your agent or company to cancel your current coverage. Submit a down payment and signed policy application to the new company. As soon as you can, store the proof of insurance certificate in your vehicle’s glove compartment or console.
One piece of advice is to use identical coverages on every price quote and and to get price quotes from as many auto insurance providers as possible. This ensures an accurate price comparison and the most accurate and complete price analysis.
Much more information about car insurance in Florida can be found at the links below
- Red Light Cameras (State Farm)
- What Car Insurance is Cheapest for a 20 Year Old Male in Jacksonville? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Camry in Jacksonville? (FAQ)
- Who Has the Cheapest Jacksonville Auto Insurance for Teenage Males? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Rental Reimbursement Coverage (Allstate)