How Much are Insurance Quotes for a Mazda CX-7 in Nebraska?

When talking about car insurance, the word cheap really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Mazda CX-7 does not exist. Don’t let that ruin your day, because we are going to show you how you can still get insurance that is cheaper than your current policy.

Your ability to find the cheapest coverage for a Mazda CX-7 in Nebraska is dependent upon many rating factors such as whether the vehicle is new, if you are currently insured, and citations on your driving record. Drivers pay an average of $960 annually for CX-7 insurance, but that cost is an approximation that uses a 30-year-old single male driver that purchased both comprehensive and collision coverage and $500 physical damage deductibles.

When making auto insurance estimates, the issue arises that you are not exactly 30 years old and possibly not even male, possibly married instead of single, or you need different physical damage deductibles. Having different needs demonstrates why your best shot at finding the cheapest rates for your Mazda is to do the rate comparisons yourself.

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Your vehicle’s trim level will most likely have an effect on the insurance rate, so the price you will be charged to insure a CX-7 SV 2WD will be $112 lower than the insurance cost for the more well-appointed CX-7 Grand Touring 4WD trim level, as shown in the prices below.

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific Nebraska location which can influence premiums substantially.

Picking the best insurance company can be rather challenging considering how many different companies insure vehicles in Nebraska. The company rank data in the lists below could help you pick which car insurance providers to look at when trying to find the cheapest insurance for a Mazda CX-7.

These ratings only include companies that write coverage in many states, so companies with more of a regional focus are not taken into consideration for the list. If you’d like to compare prices from these and other companies in Nebraska, just click here.

Top 10 Large Auto Insurers in Nebraska Ranked by Customer Satisfaction

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

Top Companies for Mazda CX-7 Insurance in Nebraska

Should you buy full coverage?

Finding cheap insurance for a Mazda CX-7 in Nebraska is the goal of the majority of vehicle owners, and one of the best ways to lower the cost of insurance is to not pay for full coverage. The diagram below shows the difference between car insurance costs with full coverage compared to only the Nebraska minimum liability coverage. Data assumes no accidents, no driving violations, $250 deductibles, single status, and no policy discounts are applied.

As an average for all age groups, full coverage costs $1,870 per year over and above liability only. That may make you wonder if you should buy full coverage at all. There is no exact rule to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

There are a few situations where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

The illustration below highlights how deductible choice can raise or lower insurance costs when getting quotes for cheap insurance for a Mazda CX-7. The rates are based on a single male driver, comp and collision included, and no other discounts are factored in.

In the chart above, a 30-year-old driver could lower rates by $396 a year by changing from a $100 deductible up to a $500 deductible, or save $600 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could potentially save as much as $1,162 each year by choosing larger deductibles on their policy.

When choosing a higher deductible, it’s a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Who is cheaper: State Farm, Geico, Progressive, or Allstate?

If you’re looking for the cheapest insurance for a CX-7, the four most popular companies are State Farm, Geico, Progressive, and Allstate. When added together, they insure nearly half of the entire U.S. market share. All four can cover your vehicle for liability and physical damage, but each one has slightly different options that shoppers can choose from. The next table points out some of the ratings and options offered by each company.