Cheap Insurance for a Mazda CX-7 in Arkansas

Cheap Insurance for a Mazda CX-7 in Arkansas

Because the topic is auto insurance, the word cheap should never be used anywhere in the article. Be that as it may, cheap auto insurance for a Mazda CX-7 can be difficult to find. Don’t let that discourage you, because we are going to tell you how you can get auto insurance that is more budget-friendly.

Whether or not you can find the cheapest auto insurance for a Mazda CX-7 in Arkansas depends upon lots of different rating factors such as if you own the home you live in, if you have a lapse in coverage, and any prior driving offenses you have. Drivers in Arkansas pay around $930 every 12 months to insure a Mazda CX-7, but that figure is an estimation using a 50-year-old married male driver with full comprehensive and collision coverage and $250 physical damage deductibles.

When projecting a rate like this, the problem is that you may not be 50 years old (or even male), single instead of married, and maybe your CX-7 just needs liability-only coverage. The different assumptions illustrate why your best shot at finding cheap insurance prices for your Mazda is to start the habit of comparing rates at least once a year.

Save Now on CX-7 Insurance

Your vehicle’s trim level will be a contributing factor to the coverage cost, so the price you will be charged to insure a CX-7 SV 2WD model will be $120 less than the cost to insure the higher-priced CX-7 Grand Touring 4WD version, as shown in the prices below.

Mazda CX-7 Insurance Rates in Arkansas
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $204 $376 $326 $20 $98 $1,024 $85
CX-7 Sport 2WD $230 $376 $326 $20 $98 $1,050 $88
CX-7 Touring 2WD $230 $376 $326 $20 $98 $1,050 $88
CX-7 Touring 4WD $230 $442 $326 $20 $98 $1,116 $93
CX-7 Grand Touring 2WD $258 $442 $326 $20 $98 $1,144 $95
CX-7 Grand Touring 4WD $258 $442 $326 $20 $98 $1,144 $95
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arkansas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in garaging location in Arkansas which can influence rates considerably.

Figuring out which companies quote the lowest-priced car insurance rates for a Mazda CX-7 involves a little more effort in order to find the best price. Each insurer uses a slightly different approach to establish rates, so we need to take a look at the car insurance companies that tend to have lower prices in Arkansas.

Keep in mind that Arkansas car insurance rates are calculated based on many things that control the cost of a policy. Turning one year older, buying a new vehicle, or having an at-fault accident may prompt premium changes that can make some companies cheaper than before.

Best Car Insurance Prices for Your CX-7

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What’s the cheapest car insurance in Arkansas?
Rank Company Cost Per Year
1 USAA $981
2 Auto Club $1,005
3 Travelers $1,093
4 Southern Farm Bureau $1,177
5 State Farm $1,261
6 Safeco $1,278
7 Farmers $1,303
8 Columbia Insurance $1,311
9 State Auto $1,349
10 Cameron Mutual $1,355
11 Auto-Owners $1,373
12 Shelter $1,476
13 Progressive $1,626
14 GEICO $1,833
15 Nationwide $2,071
16 Liberty Mutual $2,186
17 MetLife $2,369
18 ALFA $2,529
19 Allstate $2,539
20 Home State $2,612
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USAA normally has some of the cheapest car insurance rates in Arkansas at around $981 each year. Auto Club, Travelers, Southern Farm Bureau, and State Farm also rank well as some of the best Arkansas car insurance companies.

As shown in the table above, if you are currently insured with Auto Club and switched to USAA, you might realize annual savings of roughly $24. Policyholders with Travelers might save as much as $112 a year, and Southern Farm Bureau policyholders might realize rate reductions of up to $196 a year.

To find out how your current rates compare, click here to start your free quote or click several companies below for low rates.

These premium estimates are averaged across all drivers and vehicles in Arkansas and and are not calculated with a specific rate value for a Mazda CX-7. So the company that is most affordable for your situation may not even be shown in the rate chart shown above. That’s why you need to compare as many prices as possible using your own personal information and vehicle type.

How to get discounts on Arkansas auto insurance rates

Discounts on car insurance for a Mazda CX-7Insurance providers that sell cheap insurance for a Mazda CX-7 in Arkansas may additionally offer rate discounts that can reduce rates by as much as 25% or more if you are eligible for them. Larger car insurance companies and the discounts they provide are outlined below.

  • State Farm may have discounts that include Steer Clear safe driver discount, defensive driving training, multiple autos, Drive Safe & Save, and good student.
  • American Family policyholders can earn discounts including good driver, accident-free, TimeAway discount, air bags, and good student.
  • AAA includes discounts for multi-policy, anti-theft, pay-in-full, multi-car, and education and occupation.
  • GEICO has savings for good student, daytime running lights, membership and employees, seat belt use, military active duty, air bags, and driver training.
  • Mercury Insurance has discounts for multi-policy, ease of repair, professional/association, anti-theft, accident-free, annual mileage, and good driver.
  • Farmers Insurance discounts include bundle discounts, business and professional, youthful driver, switch companies, electronic funds transfer, and early shopping.
  • Progressive offers discounts for online quote discount, online signing, continuous coverage, homeowner, multi-vehicle, multi-policy, and good student.

The diagram below illustrates the difference between insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Arkansas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, passive restraint, multiple vehicle, homeowner, vehicle safety, and marriage discounts applied. When these discounts are applied, the average savings per year on car insurance for a Mazda CX-7 is 27% or $669.

Company comparison: Geico vs Allstate vs Progressive vs State Farm

When buying insurance for a CX-7 in Arkansas, some of the largest companies to start with are Geico, Allstate, Progressive, and State Farm. When combined, they have 48.5% of the entire U.S. market share. The following table ranks some of the different options and features that are available from each company.

Comparison of Top U.S. Car Insurance Companies
Geico Allstate Progressive State Farm
Discounts Offered 2nd 1st 4th 3rd
Customer Satisfaction 1st 2nd 3rd 4th
Overall Cost 1st 4th 3rd 2nd
Handling of Claims 3rd 1st 4th 2nd
Amount of market share 11.4% 10% 8.8% 18.3%
Recommend by customers 87% 86% 88% 88%
Mechanical breakdown insurance Yes No Yes No
Rate for vehicle usage No Yes Yes Yes
New car replacement insurance No Yes No No
Uber and Lyft insurance Yes Yes Yes Yes
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes Yes No
Coverage in Arkansas Yes Yes Yes Yes
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How to get cheap insurance for a Mazda CX-7 in Arkansas

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving solutions that can help Arkansas drivers locate cheap auto insurance.

  • Increase your physical damage deductibles
  • If your vehicles are older, consider dropping full coverage
  • Avoid filing small claims
  • Be a cautious driver
  • Do not get into accidents
  • Shop around and save

The last idea is especially necessary, as we discussed in this piece. Prices charged by auto insurers in Arkansas fluctuate constantly, so don’t be tentative to change to a new company if a better deal can be had.

Loyalty to a specific company is fine, but it’s not a good idea if that stubbornness costs you a wad of cash every year. In just a few minutes you could compare rates and find cheaper insurance for a Mazda CX-7.