Best Cheap Insurance Quotes for a Mazda CX-7 in Kansas

When writing about shopping for car insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Nonetheless, cheap car insurance for a Mazda CX-7 is not easy to find. Don’t let that spoil your day, because we will show you how you can find and buy car insurance that is cheaper than your current policy.

Your odds of finding the best cheap auto insurance for a Mazda CX-7 in Kansas relies on a complicated equation that takes into consideration things like the number of years you have been driving, the likelihood of your vehicle being stolen, and if your driving record is clean. Drivers in Kansas will pay around $970 every 12 months to buy Mazda CX-7 insurance, but that is an estimation based on rates for a 40-year-old married female driver that wants full physical damage coverage and $100 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not exactly 40 years old and possibly not even female, single instead of married, and maybe your CX-7 is older and does not require full coverage. Have just a small change in rating variables can cause large differences in price quotes.

This illustrates why the most reliable way to find the cheapest insurance price for your Mazda is to compare rates from as many companies as possible. In less than five minutes you can get rates from top-rated companies that offer coverage in Kansas.

Compare Rates and Save

Your Mazda’s trim level will influence the annual cost of coverage, so the price to insure a CX-7 SV 2WD model will be $132 less than the insurance cost for the more costly CX-7 Grand Touring 4WD trim level, as shown by the rates below.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in Kansas location which can lower or raise premium rates greatly.

Establishing which companies have the cheapest car insurance rates for a Mazda CX-7 calls for more work than just picking a company at random. Each auto insurer uses a slightly different approach for filing rates in each state, so let’s examine the most competitive car insurance companies in Kansas.

It’s important that readers know that Kansas car insurance rates are based on many factors that can increase the price you pay. Getting older, getting divorced, or getting a ticket for running a stop sign can produce rate changes resulting in some rates now being more affordable than before.

Find Cheaper Auto Insurance for Your CX-7

Compare Rates Now

USAA normally has some of the most affordable car insurance rates in Kansas at around $773 annually. The Hartford, Auto-Owners, Allied, and Travelers would also make the list of some of the best Kansas insurance companies.

In the above example, if you are currently insured with The Hartford and switched to USAA, you might achieve yearly savings of approxmiately $66. Policyholders with Auto-Owners could save as much as $290 a year, and Allied policyholders might reduce rates by $314 a year.

Understand that those prices are averaged for all insureds and vehicles and do not take into consideration a specific rating modification for a Mazda CX-7. So the car insurance company that fits you best may not even be featured in the above rate chart. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.

Get discounts on Kansas car insurance rates

Insurance companies that provide the best cheap insurance for a Mazda CX-7 in Kansas may have special discounts that may potentially lower prices by as much as 40% or more if you qualify. Larger car insurance companies and the discounts they provide can be read below.

• State Farm offers discounts for passive restraint, good driver, multiple policy, defensive driving training, accident-free, good student, and student away at school.
• GEICO may have discounts that include emergency military deployment, defensive driver, driver training, multi-vehicle, and seat belt use.
• Allstate includes discounts for teenSMART discount, utility vehicle, senior citizen, defensive driver, safe driver, EZ pay plan discount, and FullPay discount.
• SAFECO policyholders can earn discounts including anti-theft, teen safe driver, multi-car, homeowner, anti-lock brakes, and drive less.
• Farm Bureau has discounts for multi-vehicle, renewal discount, safe driver, good student, and youthful driver.
• Progressive may include discounts for multi-vehicle, online quote discount, homeowner, continuous coverage, and online signing.
• AAA discounts include AAA membership discount, multi-car, good driver, good student, and pay-in-full.

The chart below illustrates the difference between yearly insurance costs with and without discounts being applied to the rates. The data is based on a female driver, a clean driving record, no at-fault accidents, Kansas state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with accident-free, marriage, claim-free, defensive driving course, passive restraint, and safe-driver discounts applied. When discounts are factored in, the average savings per year on car insurance for a Mazda CX-7 is 28% or $556.

The example below illustrates how your deductible choice can increase or decrease annual premium costs when trying to find cheap insurance for a Mazda CX-7. The prices are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

A 40-year-old driver could lower their policy premium by $242 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $370 by using a $1,000 deductible. Younger drivers, like the Age 20 category, could reduce their rates $604 or even more by selecting a higher deductible.

When using a larger deductible, it will now be necessary to have enough in a savings account to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Best rates: Progressive, Allstate, Geico, or State Farm

When shopping around for insurance for a CX-7 in Kansas, some of the first companies to look at are Progressive, Allstate, Geico, and State Farm. All offer liability and physical damage insurance, but each one has different options that shoppers can choose from. The table below illustrates price and claims rank as well as some different options that are available for customers.