Affordable Quotes for Mazda CX-9 Insurance in Chandler

It’s easy to assume that insurance companies don’t want their customers to go rate shopping. People who compare price quotes are very likely to buy a different policy because there is a high probability of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that drivers who routinely compared rates saved about $3,500 over four years compared to policyholders who don’t make a habit of comparing rates.

If finding the most affordable auto insurance is your ultimate objective, then having a grasp of the best way to quote and compare auto insurance can make it easier to shop your coverage around.

Discount Mazda CX-9 insuranceThe easiest way to find the cheapest price for Mazda CX-9 insurance is to compare prices at least once a year from different companies who sell auto insurance in Chandler.

A tip to remember is to use the same coverage limits and deductibles on each quote and and to get rate quotes from as many companies as you can. This ensures the most accurate price comparison and a thorough selection of prices.

Car insurance providers offering low-cost rate quotes in Arizona

The car insurance companies shown below can provide price comparisons in Arizona. If your goal is to find cheap car insurance in Arizona, we recommend you visit two to three different companies to get the most affordable price.

Premium rates and analysis

The table displayed below showcases a range of coverage prices for Mazda CX-9 models. Having a good understanding how insurance premiums are calculated can help customers make smart buying decisions.

Mazda CX-9 Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $208 $362 $362 $22 $108 $1,062 $89
CX-9 Grand Touring 2WD $208 $426 $362 $22 $108 $1,126 $94
CX-9 Sport AWD $208 $426 $362 $22 $108 $1,126 $94
CX-9 Touring 2WD $208 $426 $362 $22 $108 $1,126 $94
CX-9 Touring AWD $208 $426 $362 $22 $108 $1,126 $94
CX-9 Grand Touring AWD $232 $426 $362 $22 $108 $1,150 $96
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in zip code location which can modify premiums noticeably.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The figures shown below can help illustrate the differences in price of buying low and high physical damage coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Mazda CX-9 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $262 $390 $300 $18 $90 $1,085 $90
CX-9 Grand Touring 2WD $262 $460 $300 $18 $90 $1,155 $96
CX-9 Sport AWD $262 $460 $300 $18 $90 $1,155 $96
CX-9 Touring 2WD $262 $460 $300 $18 $90 $1,155 $96
CX-9 Touring AWD $262 $460 $300 $18 $90 $1,155 $96
CX-9 Grand Touring AWD $292 $460 $300 $18 $90 $1,185 $99
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Mazda CX-9 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $162 $246 $300 $18 $90 $816 $68
CX-9 Grand Touring 2WD $162 $290 $300 $18 $90 $860 $72
CX-9 Sport AWD $162 $290 $300 $18 $90 $860 $72
CX-9 Touring 2WD $162 $290 $300 $18 $90 $860 $72
CX-9 Touring AWD $162 $290 $300 $18 $90 $860 $72
CX-9 Grand Touring AWD $180 $290 $300 $18 $90 $878 $73
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in Chandler location which can modify rates noticeably.

Based on these figures, using a $250 deductible will cost you roughly $24 more each month or $288 annually than selecting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 31 months between claims, you would more than likely save some money if you opt for a higher deductible.

Difference between liability only and full coverage rates

The illustration below compares Mazda CX-9 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There isn’t a written rule for phasing out physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Mazda CX-9 replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying your policy deductible. If premiums are more than $300 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Verify you’re getting every discount

Some companies don’t list every policy discount very clearly, so the list below details some of the more common as well as the least known credits available to bring down your rates.Save money with discounts

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, insurance companies wouldn’t stay in business. But all discounts should help lower your premiums.

The information below visualizes the comparison of Mazda CX-9 car insurance rates with and without discounts applied to the premium. The price estimates are based on a male driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, claim-free, multi-policy, and safe-driver discounts applied.

Companies and a selection of discounts can be read below.

If you need lower rates, check with every insurance company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your state. If you would like to view auto insurance companies who offer online Mazda CX-9 insurance quotes in Arizona, click this link.

Insurance Rate Influencing Factors

It’s important that you understand the factors that are used to determine the price you pay for car insurance. If you have a feel for what influences your rates, this empowers consumers to make smart changes that could help you find cheaper rates.

Tickets and citations cost more than a fine – Drivers with clean records tend to pay less for car insurance compared to bad drivers. Only having one speeding ticket may cause rates to rise to the point where it’s not affordable. Drivers who get multiple violations such as DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive.

The illustration below illustrates how violations and at-fault fender-benders impact Mazda CX-9 insurance premiums for different categories of driver ages. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Better rates for continuous coverage – Allowing your car insurance policy to lapse is a sure-fire way to pay more for car insurance. And not only will insurance be more expensive, the inability to provide proof of insurance may earn you a license revocation or jail time.

Rates increase with policy add-ons – Insurance companies have many extra coverages that can waste your money if you aren’t careful. Add-on coverages like roadside assistance, high-cost glass coverage, and extra equipment coverage may be costing you every month. They may seem good initially, but if they’re wasting money eliminate them to save money.

The type of vehicle makes a difference – The performance level of the vehicle you need to insure makes a significant difference in determining your rates. The lowest performance passenger models usually are quite affordable to insure, but the cost you end up paying is determined by many additional factors.

The next chart assumes a married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Mazda CX-9 policy rates compared to other models of vehicles that have different performance risks.

Cheaper rates by bundling – Most major insurers allow better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. Even though this discount sounds good, consumers should still compare other Chandler CX-9 insurance rates to ensure the best deal. You may still be able to save even more even if you have your coverage with different companies

Mazda CX-9 insurance loss data – Auto insurance companies factor in insurance loss information when setting premium rates. Vehicles that tend to have higher claim frequency or loss amount will be charged more to insure.

The next table shows the loss history for Mazda CX-9 vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers that are below 100 mean the vehicle has better than average losses, while numbers above 100 point to more losses or larger claims.

Mazda CX-9 Insurance Claim Statistics
Specific Mazda Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Mazda CX-9 4dr 2WD 87 108 74 87 95 89
Mazda CX-9 4dr 4WD 89 109 92 80 76 77

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When should I get advice from an insurance agent?

Certain consumers still prefer to get advice from a local agent and that is OK! Most agents can help determine the best coverages and help you file claims. A nice benefit of comparing rates online is the fact that drivers can get lower prices but also keep your business local.

Find insurance agent in ChandlerBy using this short form, the coverage information is emailed to agents in your area that can provide free Chandler auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies as quotes are delivered to your email. If for some reason you want to get a rate quote from one company in particular, just search and find their rate quote page and give them your coverage information.

Selecting an insurer needs to be determined by more than just the premium amount. These are valid questions to ask:

Chandler car insurance agents are either independent or exclusive

If you are wanting to find a reputable agency, you must know there are a couple different agency structures and how they differ in how they can insure your vehicles. Agencies in Chandler are classified as either independent agents or exclusive agents. Either one can properly insure your vehicles, but it’s important to know the difference in the companies they write for since it may influence which type of agent you select.

Exclusive Auto Insurance Agents

Exclusive agencies are contracted to one company such as State Farm or Allstate. Exclusive agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive insurance agents are usually well trained on sales techniques and that allows them to sell at a higher price point. Consumers sometimes buy from exclusive agents mainly due to high brand loyalty rather than low price.

Shown below are Chandler exclusive insurance agencies who may provide you with price quote information.

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Independent Auto Insurance Agents

These type of agents are normally appointed by many insurers and that gives them the ability to insure with lots of companies and get the cheapest rates. If they find a cheaper price, the agent simply finds a different carrier and you can keep the same agent.

If you need cheaper auto insurance rates, we highly recommend that you include rate quotes from a few independent agents so that you have a good selection of quotes to compare. They often place coverage with companies that do not advertise much that may have much lower rates than larger companies.

Shown below is a short list of independent insurance agents in Chandler that are able to give price quotes.

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Ratings for Arizona car insurance companies

Ending up with the top auto insurance company can be a challenge considering how many companies are available to choose from in Arizona. The ranking data shown next may help you pick which car insurance companies to look at comparing rates with.

Best Car Insurance Companies in Chandler
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Cheaper car insurance is a realistic goal

We just showed you a lot of ways to shop for Mazda CX-9 insurance online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheaper Chandler auto insurance quotes. Consumers may even find the best rates are with the least-expected company.

More affordable car insurance in Chandler can be sourced from both online companies and with local Chandler insurance agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies may not provide online quoting and usually these small insurance companies only sell coverage through independent agents.

As you quote Chandler auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice collision coverage and learned later that it was a big error on their part. Your goal should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

Much more information about car insurance in Arizona can be found at these links: