Who Has Cheap Insurance for a Mazda CX-7 in Wisconsin?

Buying affordable auto insurance for a Mazda CX-7 in Wisconsin relies on a lot of things such as if you are married or single, if you have maintained coverage continuously, and any driving offenses on your record. Drivers pay around $900 each year to insure a CX-7, but that amount is an approximation based on rate data for a 30-year-old single female driver who requires full coverage including both comprehensive and collision and $250 policy deductibles.

But there is a high probability that you are not 30 and maybe not even a female, you might be married instead of single, or you need different physical damage deductibles. Each driver’s needs are different, and that demonstrates why your best shot at finding affordable rates for your Mazda is to make a habit of comparing rates at every renewal.

View Mazda CX-7 Insurance Rates

The specific trim level impacts price, so the price you pay to insure a CX-7 SV 2WD trim level will be $116 cheaper than the insurance cost for the more costly CX-7 Grand Touring 4WD version, as demonstrated by the prices below.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in specific Wisconsin garaging location which can impact price quotes substantially.

Finding a high-quality auto insurance company is difficult considering how many different insurance companies sell coverage in Wisconsin. The company information below could help you choose which auto insurance companies you want to consider when trying find the best insurance for a Mazda CX-7.

The ratings below are for large nationwide companies, so companies without a large exposure will not be included in the list. To compare rates from many more Wisconsin auto insurance companies, click here.

Top 10 Large Auto Insurance Providers Overall in Wisconsin

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

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

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Erie Insurance – A+
8. Nationwide – A+
9. Progressive – A+
10. Allstate – A+

Top Companies for Mazda CX-7 Insurance in Wisconsin

Rate difference between full and liability-only coverage

Finding cheap insurance for a Mazda CX-7 in Wisconsin should be important to most people, and one way to find cheaper insurance is to not pay for full coverage. The chart below compares insurance prices when comparing full coverage to liability only. The premiums are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

Averaged for all ages 20 through 70, physical damage coverage costs $1,721 per year more than just buying liability insurance. At some point, every insured wonders when is it a good idea to stop buying full coverage. There is no set rule for dropping comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Impact of careless driving on insurance rates

The common sense way to enjoy good insurance premiums in Wisconsin for a CX-7 is to be an attentive driver and avoid accidents and keep your driving record clean. The chart below demonstrates how speeding tickets and accidents can raise yearly insurance costs for different categories of driver ages. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

In the previous example, the average cost of auto insurance in Wisconsin per year with no accidents or violations is $1,150. Add in one speeding ticket and the average cost hikes up to $1,297, an increase of $147 each year. Now add in one accident along with the one speeding ticket and the yearly cost of insurance for a Mazda CX-7 increases to an average of $1,704. That’s an increase of $553, or $46 per month, just for not paying attention while driving!

How to find more affordable insurance for a Mazda CX-7

Here are some of the recommended money-saving solutions that can help Wisconsin drivers get low-cost coverage.

• Increase your comprehensive and collision deductibles
• Avoid filing small claims
• Do not waste money insuring older vehicles for full coverage
• At-fault accidents will increase rates
• Ensure your driving record is clean
• Shop around for lower rates once a year

The last suggestion is extremely significant, as we pointed out in the prior article. Auto insurance rates in Wisconsin can change significantly in a year, so don’t be tentative to buy from a new company if a more affordable price is available.

Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that loyalty results in overpaying hundreds of dollars year after year. In just a few minutes you could shop around to find cheaper insurance for a Mazda CX-7.

Who has the cheapest Mazda CX-7 insurance quotes?

Thanks to technology, there are a lot of ways to compare cheaper insurance rates in Wisconsin, but the most preferred ways are from a captive (or exclusive) agent like Allstate or Auto-Owners, an independent insurance agent, or direct either online or via phone.

Each way is similar, but it’s important to point out the distinctions in how they give price quotes.

Independent agents have contracts with many companies and can compare rates with all of them. These types of agencies have the freedom to provide you with more rates, which may provide you with better odds of saving money. If they find a cheaper price, they simply move your policy to a different company without you having to go to a different agency.

A captive, or exclusive, agent is ‘exlusive’ to a single company, a couple examples are an Auto-Owners or Allstate agent. They generally cannot give you multiple price quotes, which does not give you the best rate comparison.

Drivers who opt to buy insurance direct do not use local insurance agents and buy buying direct from a company like Esurance or Progressive. Shopping for insurance direct is good for people who do not have a need for a risk management assessment and have knowledge of what is covered and what is not.

What is the best way to buy cheap insurance for a Mazda CX-7 in Wisconsin? We’d like to say buying from a direct company results in the cheapest rates since it doesn’t require paying agent commissions, but unfortunately, it’s not that cut and dried. A valid argument could also be made that buying insurance from an independent agent guarantees the cheapest rates since they have access to many companies, but that’s not always true, either. And sometimes, the exclusive agents may have prices that independents and direct companies can’t touch.

Because there is so much variation in insurance prices, the guaranteed way to get the lowest rate is to get as many comparison quotes as possible. To cover all the bases, get prices from all three types to get a good idea who is cheapest. For a list of insurance companies with low rates, click here to view.

State Farm, Geico, Progressive, and Allstate: Who is cheapest?

When comparing insurance for a CX-7 in Wisconsin, the most popular companies are State Farm, Geico, Progressive, and Allstate. All of them offer physical damage and liability coverage, but each has slightly different coverage options that may influence which company you choose. The table below shows ratings for price and service, as well as some optional coverages offered by each company.