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.

Discount Mazda CX-9 insuranceIf 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.

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.

Mazda CX-9 Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $316 $552 $400 $24 $120 $1,412 $118
CX-9 Grand Touring 2WD $316 $650 $400 $24 $120 $1,510 $126
CX-9 Sport AWD $316 $650 $400 $24 $120 $1,510 $126
CX-9 Touring 2WD $316 $650 $400 $24 $120 $1,510 $126
CX-9 Touring AWD $316 $650 $400 $24 $120 $1,510 $126
CX-9 Grand Touring AWD $352 $650 $400 $24 $120 $1,546 $129
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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.

Mazda CX-9 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $364 $544 $418 $24 $124 $1,499 $125
CX-9 Grand Touring 2WD $364 $640 $418 $24 $124 $1,595 $133
CX-9 Sport AWD $364 $640 $418 $24 $124 $1,595 $133
CX-9 Touring 2WD $364 $640 $418 $24 $124 $1,595 $133
CX-9 Touring AWD $364 $640 $418 $24 $124 $1,595 $133
CX-9 Grand Touring AWD $406 $640 $418 $24 $124 $1,637 $136
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Mazda CX-9 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $224 $342 $418 $24 $124 $1,132 $94
CX-9 Grand Touring 2WD $224 $402 $418 $24 $124 $1,192 $99
CX-9 Sport AWD $224 $402 $418 $24 $124 $1,192 $99
CX-9 Touring 2WD $224 $402 $418 $24 $124 $1,192 $99
CX-9 Touring AWD $224 $402 $418 $24 $124 $1,192 $99
CX-9 Grand Touring AWD $250 $402 $418 $24 $124 $1,218 $102
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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.Save money with discounts

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:

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