Would you prefer to buy the cheapest insurance rates in Mesa, AZ? Mesa consumers have lots of choices when looking for affordable Mazda CX-7 insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance so you’re going to learn the best way to price shop coverage for your Mazda and locate the cheapest rates.
It’s a good habit to do price comparisons at least once a year because prices are adjusted regularly by insurance companies. Just because you had the lowest rate on Mazda CX-7 insurance in Mesa a few years ago you can probably find a better premium rate now. You can find a lot of information about CX-7 insurance on the web, but you can learn some good information on how to buy insurance cheaper in Mesa.
The quickest method we recommend to compare rates for Mazda CX-7 insurance in Mesa utilizes the fact almost all companies have advanced systems to provide you with a free rate quote. All you need to do is give the companies some data like any included safety features, the type of vehicles you drive, your credit rating estimate, and if the vehicle is leased. Your information gets transmitted to insurance companies and you will get price comparisons instantly.
To start a rate quote now, click here and find out if lower rates are available in Mesa.
The providers in the list below provide comparison quotes in Mesa, AZ. To get cheaper auto insurance in Mesa, AZ, we recommend you visit two to three different companies in order to find the most affordable rates.
Coverage statistics and figures
The coverage information shown below highlights different insurance policy prices for Mazda CX-7 models. Understanding more about how premiums are figured can benefit drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $124 | $240 | $338 | $20 | $102 | $824 | $69 |
| CX-7 Sport 2WD | $138 | $240 | $338 | $20 | $102 | $838 | $70 |
| CX-7 Touring 2WD | $138 | $240 | $338 | $20 | $102 | $838 | $70 |
| CX-7 Touring 4WD | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| CX-7 Grand Touring 2WD | $154 | $284 | $338 | $20 | $102 | $898 | $75 |
| CX-7 Grand Touring 4WD | $154 | $284 | $338 | $20 | $102 | $898 | $75 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in vehicle garaging location which can lower or raise price quotes noticeably.
Rate comparison for different deductibles
A question often asked by Mesa drivers is how low should you set your deductibles. The data tables below can help you understand the costs and benefits when you select higher and lower physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| CX-7 Sport 2WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| CX-7 Touring 2WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| CX-7 Touring 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| CX-7 Grand Touring 2WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| CX-7 Grand Touring 4WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| CX-7 Sport 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| CX-7 Touring 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| CX-7 Touring 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| CX-7 Grand Touring 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| CX-7 Grand Touring 4WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rates do not factor in specific Mesa garaging location which can influence rates significantly.
Based on this data, using a $100 deductible costs an average of $33 more each month or $396 for a full year averaged for all CX-7 models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 27 months between claim filings, you would come out ahead if you elect the higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $100 deductibles: | $103 |
| Average monthly premium for $1,000 deductibles (subtract): | – $70 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
Drive responsibly or pay higher rates
The illustration below illustrates how violations and accidents can affect Mazda CX-7 premium costs for different age groups. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Slash rates with these discounts
Some insurance providers do not list all discounts very clearly, so the list below details a few of the more well known and also the more inconspicuous ways to save on insurance.
- Accident-Free Discounts – Insureds with no claims or accidents can save substantially compared to drivers who are more careless.
- Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease with some insurance companies.
- Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
- Telematics Devices – People who choose to allow data collection to scrutinize vehicle usage by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they show good driving skills.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Own a Home and Save – Owning a home in Mesa can help you save on insurance because it demonstrates responsibility.
- Military Discounts – Having a deployed family member could be rewarded with lower premium rates.
It’s important to understand that some credits don’t apply to the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though you would think you could get a free insurance policy, companies wouldn’t make money that way.
The example below shows the comparison of Mazda CX-7 car insurance costs with and without discounts applied to the premium. The rates are based on a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, multi-policy, and homeowner discounts applied.
Car insurance companies that have these discounts are:
Before you buy a policy, ask every insurance company to give you their best rates. Some discounts might not be offered on policies in Mesa.
Car insurance is an important decision
Despite the high cost of buying insurance for a Mazda CX-7 in Mesa, insuring your vehicle may not be optional for several reasons.
- Most states have minimum mandated liability insurance limits which means the state requires specific limits of liability protection in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Mazda CX-7 has a lienholder, it’s most likely the lender will require that you buy full coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Mazda at a much higher premium rate and force you to pay the higher premium.
- Car insurance preserves your car and your assets. It also can pay for medical bills incurred in an accident. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If you have damage to your Mazda as the result of the weather or an accident, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance are definitely more than the cost, particularly if you ever have a claim. Unknowingly, the average driver overpays as much as $869 every year so compare rates at every renewal to be sure current rates are still competitive.
Car insurance can be complex
When quoting and comparing proper insurance coverage, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
For instance, these questions can help discover whether your personal situation may require specific advice.
- Is there a penalty for late payment?
- Which companies will insure me after a DUI?
- How high should deductibles be on a Mazda CX-7?
- Do I have coverage if my license is suspended?
- How high should my medical payments coverage be?
- Exactly who is provided coverage by my policy?
If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Auto insurance is available from agents near you
Some consumers just prefer to have an agent’s advice and that is a smart decision Good insurance agents can answer important questions and give you someone to call. The best thing about comparing auto insurance online is that you can find cheap auto insurance rates and still buy from a local agent.
After completing this quick form, the coverage information is immediately sent to insurance agents in Mesa who will give you bids and help you find cheaper coverage. There is no reason to contact an agency due to the fact that quote results will go instantly to you. In the event you want to get a rate quote for a specific company, don’t hesitate to find their quoting web page and submit a quote form there.
Selecting an provider should include more criteria than just a cheap quote. The following questions are important to ask.
- Does the agency have a good rating with the Better Business Bureau?
- How much can you save by raising your physical damage deductibles?
- How many companies do they write for?
- Do they see any coverage gaps in your plan?
- What company holds the largest book of business for them?
- Are you getting all the discounts the company offers?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Multiple types of car insurance agents in Mesa
If you need to find a local Mesa insurance agent, there are a couple of types of agencies and how they differ in how they quote coverages. Mesa agents are considered either independent or exclusive. Either one can write policy coverage, but it’s worth mentioning the differences because it can factor into your selection of an agent.
Exclusive Auto Insurance Agents
These type of agents can only provide one company’s prices such as Allstate, State Farm and Farmers Insurance. They generally cannot compare rates from other companies so they are skilled at selling on more than just price. They receive extensive training in insurance sales which helps them sell on service rather than price. Drivers often purchase coverage from exclusives partially due to loyalty to the company and solid financial strength.
Shown below are exclusive agents in Mesa that are able to give price quotes.
- Allstate Insurance: Roger Bentley
3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map - Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map - American Family Insurance – Brian Johnson Agency Inc.
3660 E University Dr Ste 3 – Mesa, AZ 85205 – (480) 634-7039 – View Map
Independent Agencies or Brokers
Agents of this type are normally appointed by many insurers and that is an advantage because they can write policies with many different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move your policy to a different company without you having to go to a different agency. When comparing rates, we recommend you get several quotes from at least one independent agent so that you have a good selection of quotes to compare. Most also write with lesser-known insurance companies that many times have cheaper rates.
Listed below are independent agents in Mesa willing to provide comparison quotes.
- Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map - Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 – View Map - Wong Insurance Agency LLC dba GlobalGreen Insurance Agency of Mesa
66 S Dobson Rd # 131 – Mesa, AZ 85202 – (602) 758-1672 – View Map