Mazda CX-9 Insurance Quotes in Tampa

Unthinkable but true, most drivers in Florida kept buying from the same company for at least the last four years, and approximately 40% of consumers have never compared rates to find cheaper insurance. Many drivers in the U.S. could pocket approximately $859 a year just by getting comparison quotes, but they just assume it’s a time-consuming process to shop around.

If you want to save the most money, the best way to find cheaper quotes for car insurance rates in Tampa is to annually compare prices from different companies in Florida. Price quotes can be compared by following these guidelines.

1. Take a few minutes and learn about how your policy works and the modifications you can make to prevent rate increases. Many risk factors that cause high rates such as speeding and your credit history can be controlled by being financially responsible and driving safely. Later in this article we will cover tips to help prevent high rates and earn a bigger discount.
2. Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO and Allstate, while independent agencies can quote rates for a wide range of insurance providers.
3. Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate and make a switch, make sure there is no lapse in coverage.
4. Notify your agent or company of your decision to cancel your current car insurance policy and submit a down payment along with a completed application to your new agent or company. As soon as you can, safely store the certificate verifying coverage above your visor, in the console, or in the glove compartment.

The critical component of shopping around is to make sure you’re comparing the same coverage limits and deductibles on each quote and and to get price quotes from as many companies as you can. Doing this enables an accurate price comparison and the best price selection.

How do Insurers Determine Mazda CX-9 Insurance Premiums?

Lots of factors are considered when you get a price on insurance. Some are pretty understandable such as your driving record, but some are less apparent like your vehicle usage and annual miles driven. Part of the car insurance buying process is learning a few of the rating criteria that play a part in calculating the rates you pay for car insurance. When consumers understand what controls the rates you pay, this enables you to make decisions that could result in cheaper rates.

Shown below are some of the major factors used by insurance companies to determine premiums.

• Influences performance influences auto insurance rates – The type of car you are trying to find cheaper insurance for makes a huge difference in your car insurance bill. The lowest rates are generally reserved for low performance passenger vehicles, but many other things help determine your insurance rates.

  The data below is based on a single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Mazda CX-9 insurance rates compared to other vehicles that have a range of risk factors.

• Your liability insurance limits – Your policy’s liability coverage kicks in if ever you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
• Small coverages can add up – There are quite a few extra bells and whistles that sound like a good idea at the time but may not be useful. Insurance for things like replacement cost coverage, better glass coverage, and Farm Bureau memberships could be just wasting money. They may sound like good ideas when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Rates can drop if you have more than one policy – Most major companies provide better rates to clients who consolidate policies with them such as combining an auto and homeowners policy. Even though this discount sounds good, it’s always a smart idea to compare other company rates to ensure the best deal.
• Do you really need to file those policy claims? – Insurance companies in Florida generally give the best rates to drivers that do not abuse their auto insurance. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is intended for claims that you cannot pay yourself.
• Safer cars save money – Cars with high safety ratings cost less to insure. The safest vehicles reduce occupant injuries and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy. If your Mazda is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.

• Mazda CX-9 claim data – Companies take into consideration historical loss data for every vehicle as a tool for profitable underwriting. Vehicles that tend to have higher number or severity of losses will have higher rates. The table below shows the insurance loss data for Mazda CX-9 vehicles.

  For each policy coverage type, the loss probability for all vehicles, as an average, is set at 100. Values that are 100 or less indicate a favorable loss history, while values that are above 100 show a trend for more claims or statistically larger losses.

  
  

  Insurance Loss Ratings for Mazda CX-9 Vehicles

  Vehicle 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

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

Detailed insurance information

The price information below outlines different policy rates for Mazda CX-9 models. Having a good grasp of how auto insurance premiums are calculated can help guide drivers when making informed decisions when comparing rates.

Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Table data does not factor in your specific Tampa location which can increase or decrease premium rates greatly.

Policy deductibles

When shopping for auto insurance, a common question is how low should you set your deductibles. The following insurance rates may aid in understanding how much more rates are when you select higher and lower physical damage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in zip code location which can influence auto insurance rates noticeably.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $33 more each month or $396 each year across all Mazda CX-9 models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 23 months between claims, you would most likely save money by selecting a higher deductible.

The chart below highlights how deductible selection and can influence Mazda CX-9 insurance prices for different age groups. Data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Don’t neglect these discounts on Mazda CX-9 insurance in Tampa

Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so the below list has both well-publicized and also the more inconspicuous ways to save on insurance.

• Lower Rates for Military – Being deployed in the military may lower your premium rates slightly.
• Paper-free Discount – Certain larger companies will provide an incentive for buying your policy on your computer.
• Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10%.
• Membership in Organizations – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums when shopping for insurance.
• Discount for Low Mileage – Keeping the miles down on your Mazda can earn slightly better insurance rates than normal.
• Telematics Discount – Tampa drivers who agree to allow driving data submission to scrutinize when and where they use their vehicle remotely such as State Farm’s In-Drive may see discounts if they are good drivers.
• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, nobody gets a free ride. But all discounts will reduce your policy premium.

The diagram below compares Mazda CX-9 car insurance rates with and without discounts applied to the rates. The information is based on a male driver, no claims or violations, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, marriage, and safe-driver discounts applied.

Insurance companies that may offer policyholders these benefits may include but are not limited to:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When quoting, ask each company to apply every possible discount. Discounts may not apply to policyholders in Tampa. To view companies that offer multiple discounts in Florida, click here.

Ratings for Florida car insurance companies

Picking a highly-rated insurer can be challenging considering how many choices drivers have in Florida. The rank data displayed below may help you decide which coverage providers to look at to insure your vehicles.

Top 10 Tampa Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

More effort can pay off

Cheaper Mazda CX-9 insurance in Tampa can be sourced on the web and with local Tampa insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not offer online rate quotes and these small insurance companies only sell coverage through independent insurance agencies.

As you restructure your insurance plan, never reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

More information is located at the links below

• Red Light Cameras (State Farm)
• Who Has Cheap Tampa Auto Insurance for Retired Military? (FAQ)
• How to Avoid Common Accidents (State Farm)
• Vehicle Insurance (Wikipedia)