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

The likelihood of finding the cheapest car insurance for a Mazda CX-7 in Virginia is dependent upon a lot of factors such as whether you are married, the likelihood of vehicle theft, and your policy deductibles. Virginia drivers pay an average rate of $610 every 12 months to insure their CX-7, but that rate is that uses rate data for a 40-year-old married female that purchased full comprehensive and collision coverage and $1,000 deductibles.

The problem with using this number is the good chance you are not a 40-year-old female, maybe you are single instead of married, or you have a violation or two on your driving record. What appears to be a small change in policy rating criteria or coverages can result in big changes in the amount insurance costs for a Mazda CX-7.

Not every driver requires the same auto insurance coverages, so the only real way to find cheap auto insurance rates for your Mazda is to make a habit of comparing prices at least once a year. To cut your rates now, get a free quote and you will get price quotes from some of the cheapest companies that offer coverage in Virginia.

Find Cheaper Mazda CX-7 Insurance

The trim level of your Mazda will be a contributing factor to the coverage cost, so the cost to insure a CX-7 SV 2WD model will be $64 less than the cost to insure the more well-appointed CX-7 Grand Touring 4WD trim level, as shown below.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in Virginia location which can affect premium rates considerably.

Ending up with the best auto insurance company can be challenging considering how many companies are available to choose from in Virginia. The ranking information shown next could help you choose which coverage providers to look at to insure your vehicles.

The ratings below only include companies with a nationwide focus, so companies that may only write in Virginia are not taken into consideration for this list. If you’d like to compare prices from these top insurers and more, click here.

Top 10 Major Auto Insurance Companies in Virginia Ranked by A.M. Best Rating

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

Top 10 Major Auto Insurance Companies Overall in Virginia

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top Companies for Mazda CX-7 Insurance in Virginia

Full coverage versus liability-only in Virginia

Finding cheap insurance for a Mazda CX-7 in Virginia is important to the majority of vehicle owners, and a good way to find cheaper insurance is to not buy comprehensive and collision coverage. The example below shows the difference between auto insurance rates with full physical damage coverage compared to only buying liability only. The price estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no policy discounts are applied.

On average, full coverage on your policy costs an additional $1,640 per year more than carrying just liability coverage. Lot’s of drivers question if paying for full coverage is worth it. There is no written rule to delete full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

Insurance rate increases from tickets or accidents

The common sense way to snag affordable car insurance premiums in Virginia for a CX-7 is to drive safely and avoid accidents and traffic citations. The diagram below illustrates how violations and at-fault fender-benders can influence insurance costs for different age groups. The data is based on a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

In the chart above, the average cost of an auto insurance policy in Virginia per year with no accidents or violations is $1,608. Factor in one speeding ticket and the average cost increases to $1,812, an increase of $203 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Mazda CX-7 increases to an average of $3,563. That’s an increase of $1,955, or $163 per month, just for not being more responsible behind the wheel!

Cheap Mazda CX-7 insurance quotes

Drivers have a lot of ways to buy car insurance in Virginia, but the most common ways are through a captive (or exclusive) agency like Allstate or Auto-Owners, an independent or non-exclusive agent, or direct from companies such as Progressive or Geico.

Each way has the same basic process, but they differ in how they price policies.

Independent insurance agencies can place your business with multiple companies and can compare coverage rates with each one. These types of agencies will provide you with more rate quotes, which can give you the best chance of finding a lower price. If they quote lower rates, the agent simply finds a different carrier which prevents you from having to find an new insurance agent.

A captive or exclusive agent is able to quote prices with one insurance company, for example a Liberty Mutual or State Farm agent. They usually cannot quote prices from more than just one company, so if their pricing is high, there is no alternative.

Car insurance from a direct company means you forego the middleman (the agent) and instead buy direct from companies such as Esurance or Progressive. Buying direct may be the best choice people who do not need advice for asset protection and have a good understanding of what specific coverages and deductibles they need.

So which way is best to find cheap insurance for a Mazda CX-7 in Virginia? The quick answer would be buying from a direct car insurance company results in the cheapest rates since that eliminates agent commissions, but unfortunately, that is not always true. And we’d like to say buying from an independent agent results in the best rates due to having more companies to select from, but that assumption is also not necessarily accurate. In a lot of cases, exclusive agents have price quotes that other car insurance companies cannot touch.

Due to the fact that car insurance rates vary so much, really the best method to ensure the lowest rates is to do a thorough rate comparison. If you have the time, get price quotes from independent, exclusive, and direct to have the best selection of rates to choose from. For a list of companies with cheap rates in Virginia, click here to view.