Cheapest Insurance Quotes for a Mazda CX-7 in Utah

Finding the cheapest car insurance for a Mazda CX-7 in Utah depends upon many rating criteria such as age of the driver, the size of your vehicle, and violations on your driving record. Utah drivers pay around $960 every 12 months for CX-7 insurance, but that rate is a projection based on a 30-year-old single male driver who needs full coverage including both comprehensive and collision and $250 deductibles.

There is a very good chance that you’re not a 30-year-old male, possibly married instead of single, or you need different physical damage deductibles. Every driver has a different risk profile, so the way we recommend to find affordable rates for your Mazda is to get into the habit of shopping around regularly. Get your free quotes now and you can get rates from some of the cheapest companies that sell coverage in Utah.

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The trim level of your vehicle will be a contributing factor to the cost of insurance, so the price you pay to insure a CX-7 SV 2WD model will cost $122 less than the cost to insure the high end CX-7 Grand Touring 4WD version, as shown in the table below.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in vehicle location which can raise or lower prices substantially.

Finding a good quality auto insurance provider is difficult considering how many companies there are to choose from in Utah. The information in the lists below could help you pick which auto insurers to look at comparing price quotes from. These rankings only include large, nationwide insurance companies, so smaller regional companies are not factored into the list.

Do you need full coverage?

Finding the cheapest insurance for a Mazda CX-7 in Utah is probably important to most people, and one way to lower the cost of insurance is to only buy liability insurance. The information below shows the comparison of insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are taken into consideration.

If all age groups are averaged, physical damage coverage costs $1,526 per year over and above liability only. Many of you may wonder if paying for full coverage is a waste of money. There is no definitive formula that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s assume your vehicle’s replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after you pay the deductible. If you are paying in excess of $500 a year for full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Cheapest car insurance: State Farm, Progressive, Allstate, or Geico

When comparing auto insurance, four companies you’ll want quotes from are State Farm, Progressive, Allstate, and Geico. The next table ranks ratings for price and service, as well as some optional coverages offered by each company.