Cheap Insurance for a Mazda CX-7 in Nevada

Our editors always tell us that when writing about car insurance, the word “cheap” should never appear as a descriptor for car insurance rates. The fact is, cheap auto insurance for a Mazda CX-7 does not exist. Don’t let that discourage you, because there may be ways you can still get car insurance that doesn’t break your budget.

Whether or not you can find the cheapest insurance for a Mazda CX-7 in Nevada depends on a very complex rating algorithm that uses multiple factors like when you were born, your profession, and the deductible amount you use. Drivers will pay around $740 every 12 months for CX-7 insurance, but that cost is an estimation rating a 50-year-old married female driver that has both comprehensive and collision coverage and $500 physical damage deductibles.

But there is a high likelihood that you are not 50 and possibly not even female, you might be single instead of married, or maybe you had a chargeable driving offense. What seems to be a minor change in policy rating data can cause significant differences in the cost of a policy.

Every auto insurance policy is unique to the driver, so your best chance at finding cheap auto insurance rates for your Mazda is to do a thorough rate comparison. To start saving now, get free quotes and you will receive prices from some of the most affordable companies in Nevada.

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Your Mazda’s trim level will most likely have an effect on the coverage cost, so the price you will pay to insure a CX-7 SV 2WD model will be $86 cheaper than the insurance cost for the higher-priced CX-7 Grand Touring 4WD trim level, as shown by the rates below.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in specific zip code location which can modify premiums greatly.

Comparing rates for low-priced auto insurance is not most people’s favorite thing to do, and deciding which company offers the lowest-priced auto insurance rates for a Mazda CX-7 involves additional perseverance. Each insurance company has a different process to determine premium rates, so let’s take a look at the lowest cost auto insurance companies in Nevada.

Keep in mind that Nevada auto insurance rates are influenced by many factors which can substantially decrease or increase the price of your policy. This price variability is why consumers need to take the time to perform an extensive rate comparison when trying to get the best auto insurance quotes for a Mazda CX-7. Auto insurance prices can be determined by many risk factors and can change without notice, so the cheapest option a year ago may now be one of the more expensive options.

Find the Cheapest Auto Insurance for Your CX-7

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Travelers quotes some of the most affordable car insurance rates in Nevada at around $903 each year. Allied, Capital, Oregon Mutual, and Progressive would also be considered some of the cheapest Nevada auto insurance companies.

In the above rates, if you have coverage with Oregon Mutual and switched to Travelers, you may realize savings of about $279. Policyholders with Progressive may save as much as $323 a year, and American Family policyholders might cut rates by $327 a year.

To find out how much you can save, click here to start your free quote or quote rates from the companies below.

Bear in mind that those premium estimates are averages for all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Mazda CX-7. So the auto insurance company that is best suited for you may not even be in the above rate chart. That point stresses why you need to compare prices as often as possible using your own specific driver and vehicle information.

Price comparison of only insuring for liability

Finding cheap insurance for a Mazda CX-7 in Nevada should be important to the majority of people, and one of the easiest ways to lower the cost of insurance is to only buy liability coverage. The example below illustrates the comparison of insurance premiums when comparing full coverage to liability only. The information is based on no violations or claims, $500 deductibles, single marital status, and no discounts are factored in.

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If averaged for all ages, physical damage coverage on your policy costs $1,859 per year more than insuring for liability only. That is a large expense and it proposes the question if it’s worth it to buy full coverage. There is no exact formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $10,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $9,500 after you pay the deductible. If you are paying over $950 annually for full coverage, then you might consider buying liability only.

There are a few situations where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Discounts on Nevada insurance rates

Insurers that offer cheap insurance for a Mazda CX-7 in Nevada could also offer policy discounts that can reduce rates by as much as 35% or more if you meet specific criteria. A few popular companies and a selection of discounts include:

• American Family may offer discounts for early bird, defensive driver, TimeAway discount, good driver, and bundled insurance.
• Farm Bureau offers discounts including multi-vehicle, safe driver, youthful driver, renewal discount, and driver training.
• State Farm may include discounts for defensive driving training, multiple autos, Steer Clear safe driver discount, passive restraint, safe vehicle, and multiple policy.
• Travelers discounts include save driver, payment discounts, IntelliDrive, student away at school, and continuous insurance.
• The Hartford has savings for defensive driver, bundle, anti-theft, good student, and air bag.
• GEICO has discounts for multi-vehicle, anti-theft, good student, daytime running lights, driver training, defensive driver, and seat belt use.
• Progressive offers premium reductions for multi-policy, good student, online quote discount, homeowner, continuous coverage, online signing, and multi-vehicle.

The chart below shows the difference between insurance costs with and without policy discounts. The data is based on a female driver, no claims or driving violations, Nevada state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, claim-free, anti-theft, marriage, passive restraint, and defensive driving course discounts applied. With discounts applied, the the average yearly reduction on auto insurance for a Mazda CX-7 is 28% or $439.

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Progressive vs Allstate vs State Farm vs Geico

If you want the best insurance for a CX-7, four good companies to start with are Progressive, Allstate, State Farm, and Geico. They all offer different optional coverages and features that shoppers can select from. The following table compares and contrasts pricing and service ratings, plus some optional coverages you can expect with each one.