It’s a fact that auto insurance companies don’t want you quoting rates from other companies. Drivers who shop for lower prices will most likely switch companies because there is a good probability of finding lower rate quotes. A survey found that drivers who regularly shopped around saved about $865 a year compared to drivers who never shopped around for lower prices.
If finding the best price on auto insurance is your objective, then learning a little about how to shop for insurance can make the process more efficient.
Truthfully, the best way to get affordable Mazda CX-7 insurance is to annually compare prices from companies who sell insurance in Kansas City.
- Take a little time to learn about how insurance companies determine prices and the things you can control to lower rates. Many things that increase rates like accidents, careless driving, and poor credit can be eliminated by making lifestyle changes or driving safer.
- Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and State Farm, while independent agents can provide rate quotes from many different companies. Start a quote
- Compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
- Provide notification to your current company to cancel your current coverage and submit the completed application along with a down payment to the newly selected company. Once the application is submitted, put the certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A tip to remember is to compare the same level of coverage on every quote and and to compare as many companies as you can. Doing this provides a fair rate comparison and maximum price selection.
Our goal is to help educate you on the most effective way to quote insurance and some money-saving tips. If you have a policy now, you will definitely be able to shop for the lowest rates using these methods. Smart buyers just need to learn how to shop their coverage around from many different companies online.
The quickest method we recommend to compare policy rates for Mazda CX-7 insurance in Kansas City is to know auto insurance companies actually pay money for the chance to quote your coverage. The only thing you need to do is give them rating details such as driver ages, if it has an alarm system, how much you drive, and if you have an active license. Your details is automatically sent to many different companies and they return cost estimate within a short period of time.
If you wish to get multiple quotes for your Mazda CX-7 now, click here then complete the form.
The companies shown below are ready to provide free quotes in Kansas City, MO. To get cheap car insurance in Kansas City, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Get cheaper Mazda CX-7 insurance in Kansas City with discounts
The price of auto insurance can be rather high, but there are discounts available that can dramatically reduce your bill. Certain reductions will be credited at the time of purchase, but once in a while a discount must be manually applied before being credited.
- Memberships – Belonging to a qualifying organization may earn a discount on your next renewal.
- Military Rewards – Having a deployed family member could trigger a small discount.
- Paperwork-free – Some companies give back up to $50 for buying a policy and signing up on their website.
- New Car Discount – Putting coverage on a new CX-7 can save you some money since new vehicles are generally safer.
- Good Student Discount – Excelling in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the whole policy. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts should help lower the amount you have to pay.
The chart below shows the difference between Mazda CX-7 car insurance rates with and without some available policy discounts. The data assumes a female driver, no claims or driving citations, Missouri state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, multi-car, and claim-free discounts applied.
Some companies that may have most of these discounts include:
Double check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not apply in Kansas City. If you would like to view providers offering car insurance discounts in Kansas City, click here to view.
Mazda CX-7 insurance analysis
The price information displayed next showcases different insurance rates for Mazda CX-7 models. Learning more about how rates are formulated can help drivers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $230 | $414 | $266 | $16 | $80 | $1,006 | $84 |
| CX-7 Sport 2WD | $258 | $414 | $266 | $16 | $80 | $1,034 | $86 |
| CX-7 Touring 2WD | $258 | $414 | $266 | $16 | $80 | $1,034 | $86 |
| CX-7 Touring 4WD | $258 | $488 | $266 | $16 | $80 | $1,108 | $92 |
| CX-7 Grand Touring 2WD | $288 | $488 | $266 | $16 | $80 | $1,138 | $95 |
| CX-7 Grand Touring 4WD | $288 | $488 | $266 | $16 | $80 | $1,138 | $95 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise premiums considerably.
Auto insurance deductibles
One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The figures shown below can help illustrate the cost difference between low and high coverage deductibles. The first data set uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| CX-7 Sport 2WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| CX-7 Touring 2WD | $258 | $414 | $266 | $16 | $80 | $1,059 | $88 |
| CX-7 Touring 4WD | $258 | $488 | $266 | $16 | $80 | $1,133 | $94 |
| CX-7 Grand Touring 2WD | $288 | $488 | $266 | $16 | $80 | $1,163 | $97 |
| CX-7 Grand Touring 4WD | $288 | $488 | $266 | $16 | $80 | $1,163 | $97 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $128 | $218 | $266 | $16 | $80 | $708 | $59 |
| CX-7 Sport 2WD | $144 | $218 | $266 | $16 | $80 | $724 | $60 |
| CX-7 Touring 2WD | $144 | $218 | $266 | $16 | $80 | $724 | $60 |
| CX-7 Touring 4WD | $144 | $258 | $266 | $16 | $80 | $764 | $64 |
| CX-7 Grand Touring 2WD | $160 | $258 | $266 | $16 | $80 | $780 | $65 |
| CX-7 Grand Touring 4WD | $160 | $258 | $266 | $16 | $80 | $780 | $65 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in specific Kansas City garaging location which can change insurance rates significantly.
Using the premium rates above, we can conclude that using a $100 deductible costs approximately $30 more each month or $360 annually than requesting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 30 months between claims, you would probably come out ahead by going with a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $92 |
| Average monthly premium for $1,000 deductibles (subtract): | – $62 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
An important sidenote is that increasing deductibles to save money means you will have to pay more of your own money when you have a physical damage claim. That will necessitate enough savings in the event you have to pay the deductible for vehicle repair.
The chart below shows how choosing a deductible and can raise or lower Mazda CX-7 yearly insurance costs for each different age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Insurance rate increases from tickets or accidents
The chart below highlights how speeding tickets and at-fault fender-benders can raise Mazda CX-7 car insurance costs for each age group. The premiums are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
Exclusive or independent auto insurance agents
Some consumers would rather have an agent’s advice and that can be a great decision Good agents can help you choose the best coverages and help in the event of a claim. One of the benefits of getting online price quotes is that drivers can save money and get cheaper prices and still have an agent to talk to. And supporting neighborhood insurance agencies is especially important in Kansas City.
To find an agent, once you fill out this quick form, your insurance coverage information is immediately sent to participating agents in Kansas City who will give you quotes for your coverage. You never need to contact any insurance agencies since price quotes are sent directly to you. If you want to get a price quote from one company in particular, you would need to navigate to their website and give them your coverage information.
Auto insurance agents in Kansas City come in two varieties
If you want to use a local Kansas City insurance agency, you need to know there are two types of agencies that you can choose from. Auto insurance agencies are classified as either independent agents or exclusive agents. Either type can properly insure your vehicles, but it’s worth mentioning the subtle differences because it can impact your selection of an agent.
Independent Agencies or Brokers
Agents in the independent channel can sell policies from many different companies so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If your premiums go up, your agent can switch companies which requires no work on your part. If you are comparing auto insurance prices, it’s a good idea to include several independent insurance agents in order to compare the most rates. They often place coverage with small regional insurance companies that may have much lower rates than larger companies.
Below are independent insurance agents in Kansas City who may provide free price quotes.
- Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810 – View Map - Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map - SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 – View Map
Exclusive Agents
Exclusive insurance agents have only one company to place business with and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to give you multiple price quotes so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently use the same agent partially due to the prominent brand name and the convenience of having all coverages with one company.
Below are exclusive insurance agencies in Kansas City willing to provide comparison quotes.
- American Family Insurance – Gary Woods Agency Inc.
7211 NW 83 St Ste 140 – Kansas City, MO 64152 – (816) 587-8033 – View Map - Joe Nowatzki – State Farm Insurance Agent
10201 N Oak Trafficway #400 – Kansas City, MO 64155 – (816) 420-0200 – View Map - Andy Patton – State Farm Insurance Agent
5500 N Oak Trafficway #100 – Kansas City, MO 64118 – (816) 453-6220 – View Map
Finding a good auto insurance agent requires you to look at more than just a low price. Any agent in Kansas City should be forthright in answering these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is vehicle damage repaired with OEM or aftermarket parts?
- If they are an independent agency in Kansas City, which companies do they recommend?
- What is their Better Business Bureau rating?
- Do they regularly work with personal auto policies in Kansas City?
- Which insurance companies are they affiliated with?
- Can they give you a list of client referrals?
- Can you contact them at any time?
You are unique and your car insurance should be too
When buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that.
These are some specific questions might point out if you would benefit from professional advice.
- Do I need PIP coverage since I have good health insurance?
- Do I benefit by insuring my home with the same company?
- Should I buy only the required Missouri minimum liability coverage?
- Can I get a multi-policy discount?
- What are the financial responsibility laws in my state?
- What should my uninsured motorist coverage limits be in Missouri?
- Are there any extra discounts I can get?
- What is glass protection for?
- Why do I need rental car insurance?
- Are my friends covered when driving my car?
If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.
Decisions You Make Can Impact Your Insurance Costs
When buying auto insurance it’s important to understand some of the factors that come into play when calculating auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower auto insurance prices.
The items below are some of the items utilized by car insurance companies to help set prices.
- Job impacts rates – Careers like military personnel, business owners, and financial analysts usually pay higher premium rates due to high stress and extremely grueling work hours. On the flip side, professions such as farmers, historians and retirees pay the least.
- Your location is a factor – Residing in a rural area has definite advantages when talking about auto insurance. Fewer drivers means a lower chance of having an accident. Residents of big cities regularly have traffic congestion and much longer commute distances. Higher commute times statistically corresponds to a higher accident and claim rate.
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Does auto insurance cost less for women? – Statistics demonstrate females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Men and women have accidents in similar numbers, but guys tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI). Youthful male drivers generally have the highest accident percentage and therefore are the most expensive to insure.
The chart below visualizes the comparison of Mazda CX-7 insurance prices for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are taken into consideration.
- Rate your vehicle for proper use – The higher the miles on your Mazda in a year’s time the more you will pay for auto insurance. Most insurance companies calculate rates based upon how you use the vehicle. Vehicles that have low annual miles receive lower rates than those used for commuting. A policy that improperly rates your CX-7 may be costing you higher rates. Make sure your auto insurance policy reflects the correct driver usage.
- Safer cars save money – Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies which can mean better rates for you.
- Getting married is a good thing – Getting married may earn you lower rates on your auto insurance bill. Marriage means you’re more responsible and insurance companies reward insureds because being married results in fewer claims.
- Amount of liability insurance – Your policy’s liability coverage will protect you when you are determined to be liable for physical damage or personal injury to other. It provides legal defense starting from day one. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
- Claim-free discounts can add up – If you tend to file frequent claims, don’t be surprised to see higher rates. Companies in Missouri generally give most affordable rates to insureds who are not frequent claim filers. Insurance coverage is intended for larger claims.
Three good reasons to insure your CX-7
Even though it can be expensive, insuring your vehicle is not optional due to several reasons.
First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance in order to drive the car legally. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your car with a loan, almost all lenders will have a requirement that you have physical damage coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Mazda for a much higher rate and require you to pay for the expensive policy.
Third, insurance safeguards not only your Mazda CX-7 but also your assets. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your CX-7 are definitely more than the cost, especially for larger claims. Unknowingly, the average driver is wasting up to $865 each year so you should quote and compare rates at least once a year to help ensure money is not being wasted.
One last note
When searching for affordable Kansas City auto insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.
We covered a lot of tips how to lower your Mazda CX-7 insurance car insurance rates in Kansas City. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the best car insurance rates are with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.
More articles
- Teen Driving Statistics (GEICO)
- Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Kansas City? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Female in Kansas City? (FAQ)
- Safety Features for Your New Car (State Farm)
- Teen Driver Statistics (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)