2015 Mazda CX-9 Insurance Cost – 5 Tips for Best Prices

Searching for the cheapest car insurance rates for your Mazda CX-9? Are you tired of paying out the nose each month for car insurance? Your situation is no different than many other drivers.

Drivers have so many insurance companies to pick from, and although it’s a good thing to have a choice, having more auto insurance companies makes it harder to find the lowest rates.

The best way we recommend to compare rates is to know most of the larger companies provide online access to give rate comparisons. All you need to do is give the companies some data like whether your vehicle is owned or leased, your general credit rating, your occupation, and how much coverage you want. The data gets sent immediately to multiple different insurance companies and you will receive price estimates within a short period of time.

Be sure to get all your discounts

Car insurance companies don’t always advertise all available discounts in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find ways to save on insurance coverage.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Save over 55 – If you’re over the age of 55, you may qualify for reduced rates on CX-9 coverage.
  • E-sign – A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Accident Waiver – A handful of insurance companies allow you one accident before raising your premiums if you are claim-free for a certain period of time.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way.

A partial list of companies that may have these discounts include:

Check with all companies you are considering which discounts you may be entitled to. Some discounts might not be offered in your state.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Should I sign the liability waiver when renting a car?
  • What if I total my 2015 Mazda CX-9 and owe more than it’s worth?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are my friends covered when driving my 2015 Mazda CX-9?
  • Am I covered when using my vehicle for business?
  • Am I covered if I hit a deer?
  • What exactly is covered by my policy?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance policy specifics

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for things like X-ray expenses, pain medications, hospital visits, doctor visits and surgery. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

This can cover damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, structural damage and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.