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

When we talk about car insurance, the words cheap or affordable really should not be used anywhere in the article. Sad but true, cheap auto insurance for a Mazda CX-7 is pretty hard to find. Don’t let that get you down, though, because we can show you some ways you can still get insurance that you can fit into your budget.

The odds of finding the best cheap insurance for a Mazda CX-7 in Ohio is contingent on a complicated rating formula that uses factors like whether you are single or married, if you have maintained coverage continuously, and your choice of physical damage deductibles. Drivers in Ohio on average pay approximately $620 per year to buy insurance for a Mazda CX-7, but that rate is a valuation using cost data for a 40-year-old single male that included comprehensive and collision coverage and $1,000 deductibles.

Chances are that you are not 40 years old and maybe not even male, possibly married instead of single, and you probably do not live in the same zip code as the example. Just a minor change in input factors can result in a massive change in the price of a policy.

Auto insurance is unique to every driver, so the only way to find cheap car insurance rates for your Mazda is to shop around at every renewal for lower rates.

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The trim level of your Mazda tends to impact the cost of insurance, so the rate you will pay to insure a CX-7 SV 2WD trim level will cost $66 less than the price to insure the more costly CX-7 Grand Touring 4WD trim level, as shown in the prices below.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in garaging location in Ohio which can revise coverage prices greatly.

Deciding which companies have the most affordable car insurance rates for a Mazda CX-7 takes more work in order to find the most economical policy. Each company uses a different method to set their prices, so let’s take a look at the car insurance companies that tend to be cheaper in Ohio.

Keep in mind that Ohio car insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay for coverage. Simply having a birthday, having a claim, or getting a few speeding tickets may prompt premium changes that can now make some companies more affordable than before.

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Utica National normally has some of the lowest car insurance rates in Ohio at around $635 per year. Erie, Allied, Frankenmuth, and Travelers also qualify as some of the cheaper Ohio insurance companies.

As the rates illustrate above, if you are a customer of Frankenmuth and switched to Erie, you might achieve a yearly savings of in the neighborhood of $40. Insureds with Travelers may save as much as $72 a year, and USAA policyholders might see rate reductions of $80 a year.

Remember that these policy prices are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific rate value for a Mazda CX-7. So the company that can offer you the best rate may not even be featured in the company chart above. That affirms the importance of why you need to quote rates from many companies using your own driver data and vehicle information.

Impact of speeding/accidents on Ohio car insurance rates

In a perfect world, the best way to score cheap car insurance prices in Ohio for a CX-7 is to drive attentively and avoid traffic citations and accidents. The example below illustrates how speeding tickets and accidents can impact insurance rates for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1689,1835,2237],[‘Age 30’, 881,1029,1431],[‘Age 40’, 859,1005,1409],[‘Age 50’, 787,935,1339],[‘Age 60’, 773,921,1325],[‘Age 70’, 903,1051,1457]]);var options = {title: ‘Effect of Tickets and Accidents on Ohio Mazda CX-7 Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Mazda CX-7 in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance per year with no accidents and a clean driving record is $982. Receive one speeding ticket and the average cost hikes up to $1,129, an increase of $147 each year. Now throw in one accident along with the one speeding ticket and the annual cost of car insurance for a Mazda CX-7 goes up to an average of $1,533. That’s an increase of $551, or $46 per month, just for not driving carefully!

Does it make sense to buy full coverage?

Finding cheap insurance for a Mazda CX-7 in Ohio is probably important to most drivers, and a good way to find cheap insurance is to only pay for liability coverage. The example below shows the difference between car insurance rates with full physical damage coverage compared to only buying liability only. The premiums assume no claims or violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 2659,815],[‘Age 30’, 1377,451],[‘Age 40’, 1369,419],[‘Age 50’, 1245,393],[‘Age 60’, 1203,387],[‘Age 70’, 1457,513]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Mazda CX-7 in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged for all ages, physical damage coverage on your policy costs $1,552 per year more than just insuring for liability. That proposes the question if it’s worth it to buy full coverage. There is no definitive rule for excluding full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

There are some situations where buying only liability insurance is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage in place.

Company comparison: State Farm vs Allstate vs Progressive vs Geico

If you are looking for the best insurance for a CX-7, four companies to take a look at are State Farm, Allstate, Progressive, and Geico. If you combine them together, they insure about 50% of the entire U.S. market share. The next table rates ratings and policy coverage options shoppers can find with each company.