Who Has the Cheapest Insurance for a Mazda CX-7 in Massachusetts?

Anytime the topic is auto insurance, the words “affordable” or “cheap” should not be used as a descriptor for auto insurance rates. Nonetheless, cheap auto insurance for a Mazda CX-7 is almost non-existent. Don’t let that bother you, though, because we will teach you how you can find and buy car insurance that most people can afford.

Your chances of finding cheap insurance for a Mazda CX-7 in Massachusetts depends upon a complicated equation that takes into consideration things such as annual vehicle mileage, your residence address, and physical damage deductibles. Drivers on average pay approximately $790 per year to buy insurance for a Mazda CX-7, but that figure is a ballpark figure based on rate data for a 40-year-old married female driver that has full comprehensive and collision coverage and $1,000 deductibles.

There is a high likelihood that you are not 40 and possibly not even female, single instead of married, or maybe you just want liability only. Having different needs demonstrates why the way we recommend to find the most affordable coverage for your Mazda is to make a habit of regularly comparing rates from other companies. In less than five minutes you can get rates from some of the best insurers that insure Mazda vehicles in Massachusetts.

View Mazda CX-7 Insurance Rates

The trim level of your Mazda will have an impact the cost of coverage, so the cost to insure a CX-7 SV 2WD will be $82 cheaper than the cost to insure the high end CX-7 Grand Touring 4WD model, as shown in the table below.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Information does not factor in specific location which can impact coverage rates significantly.

Shopping around for cost effective insurance is easier said than done, and finding out which company offers the cheapest insurance rates for a Mazda CX-7 involves more quotes for comparison. Each insurance company has a unique approach for establishing rates, so first we will examine the most budget-friendly insurance companies in Massachusetts.

It’s important to know that Massachusetts insurance rates are determined by lots of factors which can substantially change the cost of a policy. Simply having a birthday, buying higher coverage limits, or getting a driving violation may prompt premium changes resulting in some rates now being higher-priced than the competition.

Find the Cheapest Auto Insurance for Your CX-7

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State Farm normally has some of the most affordable car insurance rates in Massachusetts at around $733 annually. National Grange Mutual, OneBeacon, GEICO, and Commerce Group are also some of the more affordable Massachusetts insurance companies.

As illustrated above, if you are insured with Commerce Group and switched to National Grange Mutual, you may see an annual savings of in the neighborhood of $88. Drivers with Progressive could save as much as $196 a year, and Arbella policyholders might reduce prices by as much as $217 a year.

These premiums are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific rating modification for a Mazda CX-7. So the auto insurance company that can offer you the best rate may not even be included in the list of companies above. That’s why you need to quote rates from many companies using your own specific driver information and vehicle.

Discount Massachusetts car insurance rates

Insurance providers that sell the cheapest insurance for a Mazda CX-7 in Massachusetts could also offer discounts that could potentially reduce rates by as much as 30% if you meet eligibility requirements. Large insurance companies and some of the discounts are shown below.

The illustration below illustrates the comparison of insurance premiums with and without discounts applied. The rates are based on a male driver, no violations or claims, Massachusetts 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 defensive driving course, marriage, safe-driver, multiple vehicle, accident-free, and multiple policy discounts applied. When discounts are applied, the average amount saved each year on insurance for a Mazda CX-7 is 32% or $458.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4355,3141],[‘Age 30’, 2257,1645],[‘Age 40’, 2247,1633],[‘Age 50’, 2037,1481],[‘Age 60’, 1965,1427],[‘Age 70’, 2357,1703]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Mazda CX-7’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Mazda CX-7’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Price comparison of only insuring for liability

Finding the cheapest insurance for a Mazda CX-7 in Massachusetts should be important to the majority of vehicle owners, and one of the easiest ways to pay lower rates for insurance is to only buy liability coverage. The illustration below shows the difference between insurance rates with full phyical damage coverage and with liability coverage only. The information is based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3941,1187],[‘Age 30’, 2063,653],[‘Age 40’, 2041,605],[‘Age 50’, 1853,567],[‘Age 60’, 1787,557],[‘Age 70’, 2155,743]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Mazda CX-7 in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, comp and collision coverage costs an additional $2,307 per year over having just liability coverage. Many of you may wonder if buying full coverage is worth the money. There isn’t a written rule of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

There are a few cases where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.