How long has it been since you sat down and looked for more competitive Mazda CX-9 insurance in Phoenix? Trying to find cheaper insurance for a Mazda CX-9 in Arizona can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for car insurance and you need to know the best way to quote coverages for a new or used Mazda and get the cheapest rates.
It’s smart to compare rates on a regular basis because prices are adjusted regularly by insurance companies. Just because you found the best deal on Mazda CX-9 insurance in Phoenix a few years ago you can probably find a better premium rate now. You’ll find a ton of advice on CX-9 insurance on the web, but in a few minutes you can learn some proven techniques to slash your car insurance rates in Phoenix.
Choosing the best rates in Phoenix is really quite easy. If you already have coverage or just want to reduce your rates, you can learn to get lower rates without having to cut coverage. You just have to use the tricks to shop from many companies at once.
Cheapest companies for Mazda CX-9 insurance
The car insurance companies shown below have been selected to offer comparison quotes in Phoenix, AZ. If the list has multiple companies, we recommend you compare several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $206 | $308 | $306 | $18 | $92 | $930 | $78 |
| CX-9 Grand Touring 2WD | $292 | $548 | $300 | $18 | $90 | $1,248 | $104 |
| CX-9 Sport AWD | $184 | $290 | $392 | $24 | $118 | $1,008 | $84 |
| CX-9 Touring 2WD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| CX-9 Touring AWD | $156 | $284 | $306 | $18 | $92 | $856 | $71 |
| CX-9 Grand Touring AWD | $250 | $450 | $314 | $18 | $94 | $1,126 | $94 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in Phoenix location which can impact prices substantially.
Choosing deductibles
The example below highlights how deductible selection and can impact Mazda CX-9 insurance premiums for different categories of driver ages. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Mazda CX-9 liability-only versus full coverage
The chart below illustrates the difference between Mazda CX-9 auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The data assumes no accidents, no driving violations, $250 deductibles, married male driver, and no discounts are factored in.
Deciding between full coverage and liability only
There isn’t a steadfast formula of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s say your Mazda CX-9 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the policy deductible has been paid. If it’s costing in excess of $200 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are a few cases where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Mazda CX-9 insurance rates: Men versus women
The diagram below shows the comparison of Mazda CX-9 yearly insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Smart Buyers Can Cut Their Insurance Costs
Part of the insurance buying process is learning some of the things that help calculate insurance rates. If you know what influences your rates, this helps enable you to make changes that can help you get big savings.
Long commutes cost more – The more you drive in a year’s time the more you’ll pay to insure it. Almost all companies calculate prices determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. Having an incorrect usage rating on your CX-9 is throwing money out the window. Verify your vehicle rating reflects the correct usage for each vehicle.
Younger drivers pay high costs – Inexperience drivers have been known to be easily distracted in a vehicle so they pay higher insurance rates. More experienced drivers tend to be more responsible, tend to file fewer claims, and are generally more financially stable.
Rates increase with policy add-ons – Insurance policies have a lot of additional extra coverages that you can buy but may not be useful. Coverage for things like personal injury protection, high-cost glass coverage, and term life insurance are examples of these. These may sound like a good investment when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.
Too many insurance claims drive up insurance rates – If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Companies in Arizona generally give lower rates to drivers who do not file claims often. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
Mazda CX-9 insurance loss probability – Companies use data from past claims as a tool for profitable underwriting. Vehicles that historically have higher claim frequency or loss amount will be charged more to insure. The table below shows the loss history for Mazda CX-9 vehicles.
For each policy coverage type, the claim amount for all vehicles, without regard to make or model, is represented as 100. Values that are under 100 mean the vehicle has better than average losses, while values that are above 100 point to more claims or statistically larger losses.
Car Insurance Loss Data for Mazda CX-9 Models
| 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Cheaper rates with discounts
Companies offering auto insurance do not list every policy discount in an easy-to-find place, so we break down both well-publicized and the harder-to-find discounts you could be receiving when you buy Phoenix auto insurance online.
- No Charge for an Accident – This one isn’t a discount, but companies like Allstate, Progressive, and GEICO may permit one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
- Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
- Homeowners Savings – Just being a homeowner can help you save on car insurance because of the fact that having a home requires personal responsibility.
- Anti-theft System – Cars that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
- Paper-free Discount – A handful of car insurance companies give back up to $50 for completing your application on the internet.
- Government Employees – Simply working for the federal government may reduce rates when you quote Phoenix auto insurance depending on your car insurance provider.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. You can use this discount normally well after school through age 25.
- Military Deployment Discount – Being deployed in the military may lower your premium rates slightly.
One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.
To choose insurance companies that can offer you the previously mentioned discounts in Phoenix, click this link.
Insurance quotes from neighborhood Phoenix auto insurance agents
Many people still like to buy from a local agent and often times that is recommended Insurance agents are highly skilled in risk management and help you file claims. One of the best bonuses of price shopping on the web is that drivers can save money and get cheaper premium rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is instantly submitted to companies in Phoenix that can give you free Phoenix auto insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your house as quotes are delivered directly to your email. If for some reason you want to get a price quote from one company in particular, just go to their quote page and complete a quote there.
Choosing a insurer needs to be determined by more than just the bottom line cost. You should also get answers to these questions.
- What company holds the largest book of business for them?
- Can you use your own choice of collision repair facility?
- Does the agency have a positive business rating?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they giving you every discount you deserve?
If you want a local insurance agency, there are a couple of types of insurance agents and how they can write your policy. Insurance agencies are considered either exclusive agents or independent agents. Either type can write policy coverage, but it is important to understand how they are different because it may have an impact on the selection process.
Exclusive Insurance Agencies
Exclusive agencies have only one company to place business with like American Family, State Farm, and Allstate. These agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agents are highly trained on what they offer and that enables them to sell even at higher rates. Some insured continue to choose to use a exclusive agent mostly because of the brand rather than low price.
Below is a short list of exclusive agencies in Phoenix that can give you price quotes.
- State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203 – View Map - Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map - Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048 – View Map
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company so they can write business with a variety of different insurance companies and get you the best rates possible. To transfer your coverage to a different company, your agent can switch companies and you don’t have to do anything.
When comparing insurance rates, we highly recommend that you compare prices from several independent agencies to have the best price comparison. Most also have access to small mutual carriers who may have lower rates.
The following is a list of independent insurance agents in Phoenix willing to provide price quotes.
- MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map - Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map - UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
Auto insurance advertising gotchas
Arizona drivers can’t avoid all the ads that promise big savings for switching from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to advertise the message that drivers can save some big amount just by moving to their company.
Is it even possible that every company can charge less that you’re paying now?
All the different companies quote their cheapest rates for the type of driver that will not have excessive claims. One example of a driver they prefer might be between 25 and 40, has no tickets, and the vehicle is rated for pleasure use. A propective insured who matches those parameters will most likely get cheap car insurance rates and will probably cut their rates substantially.
Insureds who do not fit the “perfect” profile may be forced to pay higher premium rates which results in the customer buying from a different company. The ads state “customers that switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can confidently make the claims of big savings. This really emphasizes why you absolutely need to compare as many free Phoenix auto insurance quotes as you can. It’s just too difficult to predict which insurance companies will have better prices than you’re paying now.
Cheap insurance rates are possible
As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at the best price, but do not skimp to save money.
In this article, we covered some good ideas how to find cheap Mazda CX-9 insurance in Phoenix. It’s most important to understand that the more price quotes you have, the better your chances of lowering your car insurance rates. Drivers may even discover the best rates are with the least-expected company.
Drivers leave their current company for a variety of reasons including high prices, lack of trust in their agent, questionable increases in premium and even policy cancellation. No matter why you want to switch, finding a great new company can be pretty painless.
For more information, feel free to browse the following helpful articles:
- Winter Driving (Insurance Information Institute)
- What Insurance is Cheapest for Drivers Under 21 in Phoenix? (FAQ)
- What Auto Insurance is Cheapest for a Hyundai Elantra in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Nissan Altima in Phoenix? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Learn About Car Insurance (GEICO)