Who Has the Cheapest Insurance Quotes for a Mazda CX-7 in New Jersey?

When the topic is car insurance, the words cheap or affordable really shouldn’t be used as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Mazda CX-7 is not always easy to find. But don’t let us ruin your dream, because we will teach you how you can get coverage that most people can afford.

Your odds of finding the cheapest car insurance for a Mazda CX-7 in New Jersey relies on an enormous amount of factors like how old you are, your claims history, and physical damage deductibles. Drivers on average pay around $1,700 every 12 months to insure a Mazda CX-7, but that figure is a projection that uses rate data for a 50-year-old single male driver that wants comprehensive and collision coverage and $100 deductibles.

It’s highly likely that you are not a 50-year-old male, you might be married instead of single, and maybe you want higher deductibles. Not every driver requires the same auto insurance coverages, so the only real way to find cheap insurance rates for your Mazda is to shop around at every renewal for lower rates. Quotes are free and you will be able to compare rates from top-rated car insurance companies that insure vehicles in New Jersey.

View Mazda CX-7 Insurance Rates

Vehicle trim level will likely have an effect on the insurance rate, so the price to insure a CX-7 SV 2WD trim level will be $228 less than the price to insure the higher-priced CX-7 Grand Touring 4WD model, as shown below.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in your specific New Jersey location which can influence rates significantly.

Trying to buy low-priced auto insurance is not most people’s favorite thing to do, and finding out which companies offer the lowest-priced auto insurance rates for a Mazda CX-7 takes a bit more work.

Each auto insurance company has a different process for setting prices, so let’s begin by examining the lowest cost auto insurance companies in New Jersey. It’s important that readers know that New Jersey auto insurance rates are calculated based on many things that control the price you pay for coverage. Improving your credit score, getting divorced, or having a fender bender can trigger price changes that can make some companies more affordable than before.

Find the Best Cheap Insurance for Your CX-7

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21st Century normally has some of the lowest car insurance rates in New Jersey at around $1,078 a year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also are some of the best New Jersey car insurance companies.

In the above rates, if you are currently insured with Penn National and switched to Travelers, you may see yearly savings of in the neighborhood of $210. Drivers with Palisades may save as much as $226 a year, and California Casualty customers might lower prices by $295 a year.

If you want to see how much you could save, click here or quote prices from the following companies.

It’s important to note that these estimates are averages across all types of insureds and vehicles and are not factoring in a specific rating modification for a Mazda CX-7. So the car insurance company that is best suited for you may not even be included in the company chart above. That points out the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

Full coverage versus liability only rates

Finding the cheapest insurance for a Mazda CX-7 in New Jersey should be important to the majority of drivers, and a great way to find cheaper insurance is to not buy comprehensive and collision coverage. The information below compares yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no accidents or driving violations, $250 deductibles, single marital status, and no other discounts are factored in.

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If we average the cost for ages 20 through 70, full coverage on your policy costs an additional $3,041 per year over having just liability coverage. Many drivers will wonder if you should buy full coverage. There is no definitive guideline that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

There are some conditions where only buying liability is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should maintain full coverage.

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

When it comes to insurance for a CX-7, the four most popular companies are Progressive, Allstate, State Farm, and Geico. The following table breaks down ratings and policy coverage options you can buy with each company.

Find the cheapest insurance for a Mazda CX-7 in New Jersey

Here are some penny-pinching ideas that can help New Jersey drivers find lower-cost coverage.

• Safer vehicles cost less to insure
• Prevent price hikes by avoiding at-fault accidents
• Bundle home and auto and save
• Keep your driving record clean
• Avoid filing small claims
• Shop around for cheaper prices often

That last tip is certainly significant, as was stressed in the prior information. Coverage rates adjust frequently, so drivers shouldn’t hesitate to switch carriers if you can find a cheaper rate.

Having brand loyalty is commendable, but it isn’t a good idea if that stubbornness costs you thousands of dollars over the life of your policy. If you have a few minutes, shop around to find cheaper auto insurance for a Mazda CX-7.

Who has the cheapest Mazda CX-7 insurance quotes?

There are quite a few ways to find cheaper auto insurance in New Jersey, but the most preferred methods are through an exclusive insurance agent such as Allstate or Auto-Owners, an independent agent, or from a direct company like Progressive or Geico. Each way has the same basic steps, but each is different in how they work.

Independent agents have contracts with many companies and can compare rates with every one. Independent agents are not employed by one specific company and can provide multiple price quotes, which can help you get a better chance of saving money. If a cheaper price is found, an independent agent can move your coverage which requires no work on your part.

Exclusive agents are usually restricted to a single company, two examples being Farmers Insurance or State Farm agents. These agents usually cannot provide other companys’ prices, so if finding the cheapest coverage is your goal, you will need to shop around.

The final way is buying direct, which means you skip an independent or exclusive agent and instead shop direct from companies such as Progressive or Geico. This option may be preferred by consumers who do not have complex finances and understand what is covered and what is not.

So comparing independent agents, exclusive agents, and direct, which one works best to buy the cheapest insurance for a Mazda CX-7 in New Jersey? It would be obvious to point out buying direct results in the cheapest price since there is no need to pay agent commissions, but in reality, that argument does not hold true. It would also be easy to say an independent agent results in the best rates since they have more companies to choose from, but again, it’s not a sure thing. In a lot of cases, exclusive agencies have very competitive rates that are well below what direct and independents offer.

Because of the variability of auto insurance rates, the guaranteed way to buy the cheapest policy is to get quotes and compare the rates. If time allows, get price quotes from all three to have the best selection of rates to choose from. For a list of companies with online discounts, click here to view.