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

Our editors always tell us that when writing about car insurance, the word affordable should not be used anywhere in the article to describe car insurance rates. Despite the oxymoron, cheap car insurance for a Mazda CX-7 just does not exist. Don’t let that bother you, though, because we are going to tell you how you can quote auto insurance that won’t break the bank.

Your ability to find cheaper auto insurance for a Mazda CX-7 in Rhode Island is contingent on many different factors like whether you are married or single, where your vehicle is garaged, and driving violations and tickets. Drivers on average pay approximately $1,140 every 12 months to insure their CX-7, but that policy rate is an estimation assuming a 50-year-old single female that includes comprehensive and collision coverage and $500 physical damage deductibles.

Odds are that you are not 50 years old and maybe not even female, maybe you are married instead of single, or maybe you’re a renter instead of a homeowner. Even a slight change in input factors can cause big changes in the coverage rate.

Everyone has different rating factors, so the way we recommend to find cheap insurance prices for your Mazda is to make a habit of comparing rates at every renewal. Quotes are free and easy and you will receive prices from some of the most affordable companies that insure vehicles in Rhode Island.

Cheapest Mazda CX-7 Insurance Rates

The trim level of your vehicle tends to impact the coverage cost, so the cost to insure a CX-7 SV 2WD will be $130 less than the insurance cost for the more expensive CX-7 Grand Touring 4WD trim level, as demonstrated by the prices below.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can impact premium rates noticeably.

Car insurance companies ranked

Buying coverage from the best car insurance provider is hard considering how many different insurance companies sell coverage in Rhode Island. The company rank data shown next can help you analyze which car insurance companies to look at when trying to find cheaper insurance for a Mazda CX-7. These rankings are only comprised of companies who write in the majority of U.S. states, so smaller regional companies will not be included in these rankings.

Top 10 Major Car Insurance Companies in Rhode Island Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top 10 Major Car Insurance Companies Overall in Rhode Island

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top Companies for Mazda CX-7 Insurance in Rhode Island

Tickets and at-fault accidents raise rates

The obvious way to enjoy affordable car insurance rates in Rhode Island for a CX-7 is to drive cautiously and avoid tickets and accidents. The diagram below shows how speeding tickets and accident claims impact insurance prices for different categories of driver ages. The rate quotes are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of a car insurance policy in Rhode Island per year with no accidents or violations is $2,440. Get one speeding ticket and the average cost surges to $2,752, an increase of $311 each year. Then add in two accidents along with the one speeding ticket and the annual cost of car insurance for a Mazda CX-7 jumps again to an average of $5,467. That’s an increase of $3,026, or $252 per month, just for not driving carefully!

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

When researching insurance for a CX-7 in Rhode Island, the first places to look would be Geico, Progressive, Allstate, and State Farm. If you combine them together, they insure almost half of all car insurance policies in America. They all offer your standard coverages, but each one has unique coverages that buyers can choose from. The next table rates price and claims rank as well as some different options that are available for policyholders.

Ideas to find the cheapest car insurance for a Mazda CX-7

The list below summarizes some of the recommended penny-pinching suggestions that can help Rhode Island drivers locate cheaper car insurance.

• Do not get into accidents that are your fault
• Safe vehicles generally have lower rates
• Multi-policy discounts save money
• Earn a discount by not filing claims
• Save money by obeying traffic laws and keeping a clean driving record
• Shop around for cheaper prices

The last tip is particularly significant, as we pointed out in the article above. Coverage prices in Rhode Island adjust frequently, so don’t be tentative to switch companies if you can save money.

Having brand loyalty is commendable, but it isn’t a good idea if that inflexibility results in costing you a small fortune year after year. In just a couple of minutes you could compare rates to find cheaper insurance for a Mazda CX-7.

Who has the cheapest Mazda CX-7 insurance quotes?

You have many ways to shop for and buy car insurance in Rhode Island, but the most preferred ways are through an independent or non-exclusive agent, an exclusive agency like Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive.

You can use whichever method you prefer, but car insurance buyers need to understand the differences in how they give price quotes.

Independent insurance agencies write business for many companies and can get rate quotes from each one. These agents are able to get prices from more than one company, which may provide you with a better chance of finding cheaper coverage. If your agent finds a cheaper company, your policy is moved internally which requires no work on your part.

A captive or exclusive agent is able to quote prices with a single company like Allstate and Liberty Mutual agents. These agents usually cannot provide other companys’ prices, so they have no alternatives for high prices.

When you buy car insurance direct, you do not use an agent and buy direct online or over the phone from a company like Progressive or Esurance. Buying direct may be preferred by consumers who do not need risk management and have a decent understanding of the limitations of their policy.

Which method is best to find the cheapest insurance for a Mazda CX-7 in Rhode Island? We would first guess that buying from a direct company saves money since that eliminates agent commissions, but in reality, that argument does not hold true. An argument could also be made that an independent agency is the best way to go since they have more companies to choose from, but that’s not always true, either. And often times, the exclusive agents may have very competitive prices that other car insurance companies cannot touch.

Because of the variability of car insurance rates, the only true way to get the cheapest rates is to do a thorough rate comparison. In a perfect world, youll get quotes from all three types to have the best rate selection. A great place to start is our list of online companies offering discounts: click here to view.