Best Insurance for a Mazda CX-9 in Los Angeles

Are you regretting buying an overpriced insurance policy? It’s a common feeling and there are a lot of people in Los Angeles just like you who feel imprisoned by their insurance policy.

Smart shoppers know that insurance companies don’t want their policyholders to compare prices. Insureds who shop around at least once a year will most likely switch to a new company because they have good chances of finding a lower-priced company. A recent survey revealed that drivers who make a habit of shopping around saved over $865 annually compared to those who don’t regularly compare prices.

If finding the cheapest price on auto insurance in Los Angeles is why you’re here, then having some insight into how to find and compare cheaper coverage can help you succeed in finding affordable rates. Insurance companies such as Allstate, Progressive and GEICO all promote huge savings with ads and it can be hard to ignore the promise of big savings and do the work needed to find the best deal.

Companies offering low-cost Mazda CX-9 rates in Los Angeles, CA

The providers in the list below can provide free rate quotes in California. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.

Insurance coverage analysis

The coverage table shown below highlights a range of insurance coverage prices for Mazda CX-9 models. Having a good grasp of how insurance prices are formulated can be useful when making smart choices when comparing insurance rates.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in specific location information which can decrease or increase coverage prices significantly.

Physical damage deductible comparison

When buying auto insurance, a common question is at what level do you set your deductibles. The comparison tables below may help you to understand the differences in premium rates when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in vehicle garaging location which can raise or lower rates greatly.

Using the data above, we can ascertain that using a $250 deductible costs an average of $19 more each month or $228 for a full year averaged for all CX-9 models than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 13 months between claim filings, you would probably come out ahead by going with a higher deductible. Here is a better example of how we made this calculation.

An important sidenote is that higher deductibles means you will have to cover more of the damage yourself when you have a claim. You must have some extra savings in order to pay the deductible.

Smart Buyers Save Every Year

An important part of buying insurance is that you know the factors that help calculate the rates you pay for insurance. When consumers understand what impacts premium levels, this enables you to make decisions that may result in lower premium levels.

• Alarms and GPS tracking lowers prices – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft.

• Fast cars cost more to insure – The performance of the car, truck or SUV you need insurance for makes a significant difference in determining your rates. The lowest premiums are for lower performance four cylinder passenger models, but there are many factors that impact the final cost.

  The data below is based on a married female driver age 50, full coverage with $250 deductibles, and no discounts or violations. The chart compares Mazda CX-9 rates compared to other models of vehicles that have a range of risk factors.

• Men drivers tend to cost more – Statistics show that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into at-fault accidents at about the same rate, but guys get into accidents with more damage. Men also statistically get ticketed for serious violations like DUI and reckless driving.

  The chart below compares Mazda CX-9 insurance rates for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no other discounts are factored in.

• Your age impacts your prices – Older, more experienced drivers are viewed as being more responsible, cost insurance companies less in claims, and usually have better credit. Teenage drivers have a tendency to be less responsible in a vehicle and because of this, their insurance rates are much higher.

  The next chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Tickets cost more than a fine – Attentive drivers get better rates than bad drivers. Getting just one citation can increase the cost of insurance to the point where it’s not affordable. Drivers with dangerous violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state’s licensing department in order to keep their license.

  The information below demonstrates how speeding tickets and at-fault claims drive up Mazda CX-9 insurance premiums for different age categories. The rates are based on a married male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

• Prices impacted by your city – Being located in less populated areas of the country is a good thing when trying to find low car insurance rates. Less people means less chance of accidents as well as less vandalism and auto theft. Drivers in populated California areas have to deal with traffic congestion and a longer drive to work. More time on the road means a statistically higher chance of an accident.

• Insurance loss probability for a Mazda CX-9 – Companies include the past claim history for a vehicle to calculate a rate that will offset any claims. Models that tend to have a higher amount or frequency of claims will have higher rates.

  The table below shows the insurance loss data for Mazda CX-9 vehicles. For each policy coverage, the loss probability for all vehicles, as an average, is set at 100. Percentage values below 100 mean the vehicle has better than average losses, while values that are above 100 point to more claims or an increased chance of larger losses than average.

  
  

  Mazda CX-9 Insurance Claim Statistics

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

Get lower-cost Mazda CX-9 insurance in Los Angeles with discounts

Insurance is expensive, but there could be available discounts to help offset the cost. A few discounts will be applied when you get a quote, but once in a while a discount must be asked about before they will apply.

• Air Bags and Passive Restraints – Options like air bags or motorized seat belts can receive discounts of 25 to 30%.
• Auto/Home Discount – If you can bundle your auto and homeowners insurance with one insurance company you may save up to 20% and get you the cheapest Mazda CX-9 insurance in Los Angeles.
• Waiver for an Accident – Not necessarily a discount, but some companies like Progressive and Allstate permit an accident before raising your premiums if you are claim-free before the accident.
• Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
• Active Service Discounts – Being on active deployment in the military can result in better rates.
• Telematics Discount – Drivers who elect to allow companies to scrutinize driving habits by installing a telematics device like Allstate’s Drivewise could see a rate decrease if they have good driving habits.

Just know that most credits do not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.

The example below illustrates the comparison of Mazda CX-9 annual premium costs with and without policy discounts. Data assumes a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, multi-policy, and homeowner discounts applied.

A few of the larger companies and a selection of discounts can be found below.

• State Farm has discounts for Drive Safe & Save, safe vehicle, good driver, passive restraint, driver’s education, and multiple autos.
• GEICO may include discounts for anti-lock brakes, membership and employees, five-year accident-free, federal employee, and daytime running lights.
• Liberty Mutual includes discounts for newly retired, hybrid vehicle, safety features, exclusive group savings, multi-policy, multi-car, and teen driver discount.
• The Hartford offers discounts including good student, bundle, driver training, air bag, vehicle fuel type, and anti-theft.
• MetLife may have discounts that include defensive driver, multi-policy, good driver, accident-free, good student, and claim-free.
• Progressive offers premium reductions for homeowner, multi-policy, continuous coverage, online signing, and good student.

When comparing rates, check with all the companies what discounts are available to you. Depending on the company, some discounts may not be offered in Los Angeles. For a list of companies who offer free Mazda CX-9 insurance quotes in California, click here.

Can’t I compare rate quotes from local Los Angeles insurance agents?

A lot of people would rather sit down and talk to an agent and that is not a bad decision Professional agents can make sure you are properly covered and help submit paperwork. The best thing about price shopping on the web is you may find the best rates and still have a local agent. And supporting local insurance agencies is especially important in Los Angeles.

Once you complete this quick form, your coverage information is transmitted to agents in your area that give free quotes to get your business. There is no need to do any legwork due to the fact that quote results will go to the email address you provide. If you have a need to compare rates from a specific company, feel free to search and find their rate quote page to submit a rate quote request.

If you are searching for an insurance agent, you should know the types of insurance agents and how they can service your needs differently. Agents are considered either independent or exclusive. Both types of agents can write car insurance policies, but it’s worth mentioning the differences since it could factor into buying decisions.

Independent Agencies or Brokers

Independent agencies are not required to write business for one company and that allows them to write policies 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.

When comparing car insurance rates, we highly recommend that you compare prices from independent agents for the best price selection.

Featured below is a partial list of independent agencies in Los Angeles that can give you price quotes.

More insurance agents

Exclusive Agents

These type of agents are contracted to one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Shown below are Los Angeles exclusive insurance agents willing to provide price quote information.

More insurance agents

Picking a insurance agency needs to be determined by more than just a cheap quote. These are valid questions to ask:

• Are they actively involved in the community?
• How many companies do they write for?
• Do they assist clients in filing claims?
• What company do they have the most business with?
• Which members of your family are coverage by the policy?

Cheaper auto insurance rates are out there

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

We just showed you a lot of tips how to shop for Mazda CX-9 insurance online. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. You may even discover the lowest priced auto insurance comes from the least-expected company. They may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

For more information, link through to the articles below:

• Senior Drivers (Insurance Information Institute)
• Older Driver Statistics (Insurance Information Institute)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Electronic Stability Control FAQ (iihs.org)