Affordable Insurance for a Mazda CX-9 in Sacramento

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It's a known fact that car insurance companies want to keep you from comparing rates. Consumers who shop around are very likely to switch car insurance companies because there is a great chance of finding lower rate quotes. A recent survey found that people who compared prices once a year saved an average of $3,500 over four years as compared to drivers who didn't regularly shop around.

If finding the best rates on insurance is your objective, then knowing how to find companies and compare car insurance can save time and make the process easier.

Discount Mazda CX-9 insuranceThe best way we recommend to find affordable quotes for Mazda CX-9 insurance in Sacramento is to regularly compare quotes from different companies who sell auto insurance in California. You can shop around by following these guidelines.

  1. Get an understanding of how auto insurance works and the factors you can control to prevent expensive coverage. Many rating criteria that cause rate increases like at-fault accidents, careless driving, and a not-so-good credit history can be rectified by making minor changes in your lifestyle.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can quote prices from multiple sources. Click to view companies
  3. Compare the new rates to your existing coverage to determine if switching companies saves money. If you find a better price, make sure there is no coverage gap between policies.

One bit of advice is to compare the same level of coverage on each quote and to quote with as many companies as you can. This helps ensure a fair rate comparison and the most accurate and complete price analysis.

Finding low cost car insurance rates doesn't have to be difficult. You just need to take the time getting comparison quotes to find out which insurance company has low cost Sacramento car insurance quotes.

Comparing quotes online is fast and free, and it replaces the need to waste gas driving to insurance agents' offices. The fact that you can get quotes online has made agencies unnecessary unless you have a complicated situation and need the extra assistance of a licensed agent. It is possible to compare online quotes but have a local agent actually write the policy.

The auto insurance companies shown below can provide price quotes in California. If your goal is to find the cheapest auto insurance in CA, we suggest you compare several of them to get the best price comparison.

Detailed insurance information

The price information shown below showcases detailed analysis of insurance premium costs for Mazda CX-9 models. Understanding how auto insurance prices are formulated can help drivers make smart choices when selecting a policy.

Mazda CX-9 Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $330 $570 $416 $24 $124 $1,464 $122
CX-9 Grand Touring 2WD $330 $672 $416 $24 $124 $1,566 $131
CX-9 Sport AWD $330 $672 $416 $24 $124 $1,566 $131
CX-9 Touring 2WD $330 $672 $416 $24 $124 $1,566 $131
CX-9 Touring AWD $330 $672 $416 $24 $124 $1,566 $131
CX-9 Grand Touring AWD $368 $672 $416 $24 $124 $1,604 $134
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Estimates do not factor in Sacramento location which can increase or decrease premium rates greatly.

Raise deductibles and save

The hardest decision when buying coverage is how high should the physical damage deductibles be. The figures shown below can help you understand the costs and benefits when you select higher and lower policy deductibles. The first set of rates uses a $250 deductible and the second data table uses a $500 deductible.

Mazda CX-9 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $386 $576 $442 $26 $132 $1,587 $132
CX-9 Grand Touring 2WD $386 $678 $442 $26 $132 $1,689 $141
CX-9 Sport AWD $386 $678 $442 $26 $132 $1,689 $141
CX-9 Touring 2WD $386 $678 $442 $26 $132 $1,689 $141
CX-9 Touring AWD $386 $678 $442 $26 $132 $1,689 $141
CX-9 Grand Touring AWD $430 $678 $442 $26 $132 $1,733 $144
Get Your Own Custom Quote Go
Mazda CX-9 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $314 $464 $442 $26 $132 $1,378 $115
CX-9 Grand Touring 2WD $314 $546 $442 $26 $132 $1,460 $122
CX-9 Sport AWD $314 $546 $442 $26 $132 $1,460 $122
CX-9 Touring 2WD $314 $546 $442 $26 $132 $1,460 $122
CX-9 Touring AWD $314 $546 $442 $26 $132 $1,460 $122
CX-9 Grand Touring AWD $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease rates noticeably.

Based on the figures above, using a $250 deductible costs an average of $19 more each month or $228 for a full year than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you go more than 13 months between claim filings, you would probably save some money if you opt for a higher deductible. Here is how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $140
Average monthly premium for $500 deductibles (subtract): - $121
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important issue to know is that a higher deductible level means you will have to pay more of your own money when you have a comprehensive or collision claim. You need access to more funds in the event you have to pay the higher deductible.

How careless driving impacts Sacramento auto insurance rates

The chart below shows how violations and accidents can influence Mazda CX-9 auto insurance costs for different age groups of insureds. The premium estimates are based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Male drivers compared to female drivers

The diagram below illustrates the comparison of Mazda CX-9 annual premium costs for male and female drivers. The information is based on no violations or accidents, full coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.

Choosing Mazda CX-9 insurance is an important decision

Even though Sacramento CX-9 insurance rates can get expensive, insurance may be required for several reasons.

First, the majority of states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your car has a loan, most lenders will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Mazda for a lot more money and force you to pay for the much more expensive policy.

Third, insurance protects both your assets and your Mazda CX-9. It also can pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses in the event you are sued. If your car is damaged in a storm or accident, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. But the average American driver is currently overpaying as much as $865 each year so compare rate quotes every year to ensure rates are inline.

How You Can Control Mazda CX-9 Insurance Premiums

Consumers need to have an understanding of the different types of things that help calculate the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to lower premium levels. Many things are used in the calculation when you quote your car insurance policy. Some factors are common sense such as your driving record, but other criteria are less obvious like your vehicle usage or how financially stable you are.

Driver age impacts costs - More experienced drivers are more responsible, cost insurance companies less in claims, and are safer drivers. Inexperience drivers are statistically proven to be inattentive when behind the wheel and because of this, their car insurance rates are much higher.

The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

Type of car determines base costs - The performance of the car, truck or SUV you are buying insurance for makes a substantial difference in your car insurance bill. The lowest premiums will generally be found on smaller low performance passenger models, but that's not the only thing that factors into the final price.

The chart below assumes a single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares Mazda CX-9 insurance rates compared to other models that have a range of performance rating factors.

Low mileage costs less - The more you drive your Mazda in a year's time the higher your rates will be. Almost all companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. Improper usage on your CX-9 is throwing money out the window. It's a smart idea to ensure your car insurance policy shows the correct usage for each vehicle, because improper ratings can cost you money.

Higher coverage deductibles reduce rates - The deductibles you choose state the amount of money you are required to spend before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Examples of some claims that would be covered would be collision with another vehicle, collision with a deer, and having a roll-over accident. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive.

Vehicles with better crash test results save money - Vehicles with high crash test scores cost less to insure. These vehicles reduce occupant injuries and fewer serious injuries translates directly to fewer claims and lower rates for you. If your Mazda CX-9 is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Insurance loss probability for a Mazda CX-9 - Car insurance companies factor in historical loss data to determine a price that will be profitable for them. Vehicles that the statistics show to have higher claim frequency or loss amount will have a higher cost to insure.

The table below outlines the collected loss data for Mazda CX-9 vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Values that are 100 or less indicate a favorable loss history, while percentages above 100 point to more losses or statistically larger losses.

Mazda CX-9 Insurance Loss Statistics
Vehicle Make and 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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

What is YOUR best insurance company?

We covered some good ideas how to save on Mazda CX-9 insurance in Sacramento. The key thing to remember is the more you quote Sacramento car insurance, the more likely it is that you will get a better rate. Drivers may even discover the best price on car insurance is with some of the smallest insurance companies. These companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

Some car insurance companies do not provide the ability to get quotes online and these smaller companies only sell through local independent agencies. Discount Mazda CX-9 insurance is available online and from local agencies, and you need to price shop both to have the best rate selection.

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