How Much Does Insurance Cost for a Mazda CX-7 in South Dakota?

When writing about auto insurance, the word “cheap” really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Notwithstanding, cheap auto insurance for a Mazda CX-7 can be difficult to find. But fear not, because we will tell you how you can get auto insurance that is cheaper than your current policy.

Your odds of finding the best cheap insurance for a Mazda CX-7 in South Dakota hinges on a very complex rating algorithm that uses multiple factors like the safety features of your vehicle, if you have ever had a coverage lapse, and violations on your driving record. South Dakota drivers pay approximately $930 a year to insure a CX-7, but that figure is a valuation based on rate data for a 30-year-old married male that included both comprehensive and collision coverage and $250 deductibles.

There’s a good chance you are not exactly 30 years old and possibly not even male, maybe you are single instead of married, or maybe your CX-7 doesn’t need full coverage. There is no perfect policy for every driver, so the best way to quote the cheapest rates for your Mazda is to take your time and compare rates from as many companies as possible. Quotes are free and you can get rates from top-rated car insurance companies that insure Mazda vehicles in South Dakota.

Start Your Free Quote

The trim level of your vehicle impacts the annual cost of coverage, so the rate you will pay to insure a CX-7 SV 2WD will be $126 cheaper than the insurance cost for the more well-appointed CX-7 Grand Touring 4WD model, as shown by the rates below.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise premiums considerably.

Buying coverage from a good quality insurer is difficult considering how many different companies there are to choose from in South Dakota. The ranking data shown next may help you decide which coverage providers you want to consider comparing rates with. The rankings below only include companies with a nationwide focus, so smaller regional companies are not included in this list.

Top 10 Large Auto Insurance Providers in South Dakota Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. AAA Insurance – 87%
7. Liberty Mutual – 87%
8. Farmers Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

Top 10 Large Auto Insurance Providers in South Dakota Ranked by A.M. Best Rating

1. USAA – A++
2. State Farm – A++
3. GEICO – A++
4. Nationwide – A+
5. Esurance – A+
6. The Hartford – A+
7. Progressive – A+
8. Allstate – A+
9. The General – A-
10. American Family – A

Top Companies for Mazda CX-7 Insurance in South Dakota

Driving violations and accidents

In a perfect world, the best way to earn affordable auto insurance prices for a CX-7 is to drive carefully and not get tickets or have accidents. The example below illustrates how traffic citations and at-fault accidents can increase annual premium costs for different age groups of insureds. The data is based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.

In the previous example, the average cost of auto insurance per year with no violations or accidents is $1,432. Get two speeding tickets and the average cost jumps to $1,972, an increase of $540 each year. Now add two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Mazda CX-7 jumps again to an average of $4,039. That’s an increase of $2,607, or $217 per month, just for being a little careless behind the wheel!

Who has the cheapest Mazda CX-7 insurance quotes?

Due to technology, there are many ways to purchase auto insurance in South Dakota, but the most prevalent are through an exclusive agency like Liberty Mutual or Allstate, an independent agent, or buying direct from a company like Geico or Progressive. All three ways are similar, but buyers should know the differences in how they provide price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can compare coverage rates with every one. These types of agents do not work for one specific company and can give you a larger rate selection, which may give you the best shot at cutting your rates. If the agent locates a cheaper price, they simply move your policy to a different company which prevents you from having to find a new agency.

Exclusive agencies are only able to give rates for a single insurance company, for example an Allstate or Liberty Mutual agent. Exclusive agents cannot provide rates from more than one company, so if rates are high, they cannot give you alternative choices.

The third popular method of shopping for auto insurance is direct, which means you do not use local insurance agents and buy direct from companies such as Geico or Esurance. Buying direct can be good for drivers who have limited assets and know more than average about what specific coverages and deductibles they need.

So which method is best to buy cheap insurance for a Mazda CX-7 in South Dakota? Most people assume that buying direct yields the cheapest rates since no commissions are paid to an agent, but in reality, that is not true. We could also assume that buying auto insurance from an independent agent saves the most money due to more options, but again, it’s not a sure thing. And sometimes, exclusive agents have really good rates that are the cheapest in South Dakota.

Since auto insurance companies use so many rating factors, the only true way to ensure you are not overpaying for auto insurance is to get as many comparison quotes as possible. Put in the effort to get price quotes from all three to have the best selection of rates to choose from. For a list of auto insurance companies with low rates, click here to view.

How to get cheap insurance for a Mazda CX-7 in South Dakota

Below you’ll find some of the better penny-pinching ideas that can help South Dakota drivers buy more affordable car insurance.

• Safer vehicles cost less to insure
• At-fault accidents will increase rates
• Raise your deductibles
• Higher credit scores can equal lower rates
• Avoid speeding and other traffic citations and pay less
• Do not pay for comprehensive and collision coverage on older vehicles
• Look for cheaper rates once a year by shopping around

The last suggestion is particularly necessary, as was noted in the prior article. Rates fluctuate considerably, so don’t be hesitant to switch companies if a cheaper rate is available. Having a favorite company is great, but it isn’t a good idea if that devotedness results in you overpaying several hundred dollars every year. It only take a few minutes to shop around to find cheaper car insurance for a Mazda CX-7.