Cheap Insurance for a Mazda CX-7 in Mississippi

Cheap Insurance for a Mazda CX-7 in Mississippi

Whenever people write about auto insurance, the words “affordable” or “cheap” should never be used anywhere in the article to describe car insurance prices. Notwithstanding, cheap car insurance for a Mazda CX-7 can be difficult to find. Don’t let that ruin your day, because we are going to show you some ways you can find insurance that is cheaper than your current rate.

Buying cheap car insurance for a Mazda CX-7 in Mississippi depends upon dozens of factors like the mileage of your daily commute, your profession, and the deductible amount you use. Drivers pay an average of $790 each year for CX-7 insurance, but that rate is a valuation using rate data for a 50-year-old single female driver who needs full physical damage coverage and $1,000 policy deductibles.

There is a good chance you are not a 50-year-old female, you might be married instead of single, and there is a good chance that you need different coverage limits than the exampe. Even a minor difference in quote information may result in significant differences in rate quotes.

Each driver’s needs are different, and that demonstrates why the best method for finding the cheapest coverage for your Mazda is to do the rate comparisons yourself. Compare rate quotes now and you will receive rate quotes from some of the most affordable companies around.

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The specific model of CX-7 tends to have a direct effect on the coverage cost, so the price to insure a CX-7 SV 2WD model will cost $80 less than the cost to insure the more well-appointed CX-7 Grand Touring 4WD model, as demonstrated by the prices below.

Mazda CX-7 Insurance Rates in Mississippi
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $132 $258 $364 $22 $108 $884 $74
CX-7 Sport 2WD $150 $258 $364 $22 $108 $902 $75
CX-7 Touring 2WD $150 $258 $364 $22 $108 $902 $75
CX-7 Touring 4WD $150 $304 $364 $22 $108 $948 $79
CX-7 Grand Touring 2WD $166 $304 $364 $22 $108 $964 $80
CX-7 Grand Touring 4WD $166 $304 $364 $22 $108 $964 $80
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Mississippi minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific Mississippi garaging location which can decrease or increase premium rates greatly.

Picking a highly-rated insurance provider can be rather challenging considering how many different companies insure vehicles in Mississippi. The company ratings in the next section may help you analyze which insurers you want to consider purchasing from. The ratings below are only comprised of companies that insure vehicles nationwide, so companies with more of a regional focus are not included in these rankings.

Top 10 Major Car Insurance Companies in Mississippi Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

Top 10 Major Car Insurance Companies Overall in Mississippi

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

Top Companies for Mazda CX-7 Insurance in Mississippi

Types of discounts on Mississippi car insurance

Cheaper Mississippi car insurance for a CX-7Insurance companies that offer cheap insurance for a Mazda CX-7 in Mississippi could also offer price discounts that can lower rates by 30% or more if you qualify for them. Larger car insurance companies and their possible discounts are detailed below.

Auto Insurance Discounts for Popular Insurance Companies
Discount Progressive State Farm Geico Allstate Liberty Mutual Nationwide
Bundled policies Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes Yes No
Passive restraint No Yes Yes Yes Yes Yes
Daytime running lights No Yes Yes No No No
New vehicle No Yes No Yes No Yes
No accidents Yes Yes Yes Yes No Yes
Defensive driver training Yes Yes Yes Yes No Yes
Low mileage Yes Yes No Yes Yes Yes
Military Yes Yes Yes No No No
Professional affiliation No No Yes No Yes Yes
Paid in full Yes No Yes Yes Yes Yes
Paperless billing Yes No Yes Yes Yes Yes
Loyalty Yes Yes No No No Yes
Good grades Yes Yes Yes Yes Yes Yes
Student at college Yes Yes No Yes Yes Yes
Own your home Yes No No No No No
Use seat belts No No Yes No No No
Online quote Yes No No No No No
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The example below illustrates the difference between insurance rates with and without discounts applied to the rates. The data is based on a female driver, no accidents or driving violations, Mississippi state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, anti-theft, defensive driving course, marriage, multiple policy, and claim-free discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for a Mazda CX-7 is % or $.

The importance of comparing CX-7 insurance rates

Mississippi car insurance rates are impacted by many factors that can increase the cost of having a policy. Getting older, having a teenage driver, or getting caught speeding can trigger price changes resulting in some companies being more affordable than others.

Additionally, auto insurance companies file new Mississippi car insurance rates multiple times each year to reflect underwriting profits or losses. Higher than normal claims can result in increased policy costs, while a better loss history may result in lower-priced CX-7 insurance rates.

The bar chart below shows which company has the cheapest car insurance in Mississippi for a 40-year-old male driver with no violations or accidents, and a good credit history. If we estimate rates based on his personal profile, USAA might quote the lowest car insurance rates in Mississippi at $815 per year. This is $953 less than the average policy premium paid by Mississippi drivers of $1,768. Travelers, Unitrin, Direct General, and ALFA are also included in the most affordable Mississippi auto insurance companies.

The next chart shows rates after we give the driver in the first example a claim, bad credit, and an imperfect driving record. Since each auto insurer uses their own method for setting prices, comparing prices may now show a different ranking of affordable Mississippi car insurance companies as shown below.

Travelers now has the cheapest rate in Mississippi with State Farm, Shelter, Safeway, and USAA completing the list. This demonstrates why consumers need to do a thorough rate comparison to get affordable car insurance rates for a Mazda CX-7. Auto insurance prices are calculated by many different factors and change dramatically, so the cheapest rate two years ago may now be costing you a lot of money.

Cheapest Mazda CX-7 insurance quotes

Thanks to technology, drivers have a lot of ways to purchase car insurance in Mississippi, but the three most common are through a captive (or exclusive) agency such as State Farm or Liberty Mutual, an independent agent, or from a direct company like Progressive or Geico. They all have the same end result, but car insurance shoppers should know the differences in how they give price quotes.

Independent insurance agents can place your business with multiple companies and can compare coverage rates with each one. Independent agents are not limited to a single company and can provide you with more rates, which can give you improved chances of finding a lower rate. If cheaper coverage is found, the agent simply finds a different carrier which requires no work on your part.

An agent who is captive is only able to write with one company, for example Allstate or State Farm agents. Exclusive agents are unable to quote prices from more than just one company, so if the price isn’t competitive there isn’t much they can do.

Direct car insurance buyers forego a local agent and buy from a direct company like Progressive. Shopping direct may be good for people who do not have a need for a risk management assessment and know what specific coverages they need.

What is the best method to buy cheap insurance for a Mazda CX-7 in Mississippi? Our initial answer would be shopping direct results in the cheapest rates because you bypass the middleman, but unfortunately, it’s not that simple. We’d also like to say an independent agent is the best way to save due to increased selection, but that assumption is also not accurate. For the right applicant, the exclusive agents have coverage prices that are the cheapest in Mississippi.

Because it’s impossible to say who has the best car insurance rates, the only true way to ensure the lowest rates is to compare rate quotes from as many companies as possible. Take some time and get prices from all three types to give yourself plenty of rates to compare. For a list of companies with online discounts, click here to view.

How to find cheap insurance for a Mazda CX-7 in Mississippi

Lowering your rates is not difficult, and here are some of the better money-saving suggestions that can help you get cheap car insurance.

  • Tickets and violations raise rates
  • Raise deductibles to save money
  • Improve your credit score
  • Choose a safer vehicle and pay lower rates
  • Do not get into accidents
  • Compare quotes from other companies often

The last item on the list is particularly important, as we emphasized in the prior article. Prices charged by car insurance companies adjust often, so drivers shouldn’t hesitate to switch carriers if you find a cheaper price. Sticking with a specific company is fine, but we do not recommend it if that loyalty ends up costing thousands of dollars over the life of your policy. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Mazda CX-7.