Who Has the Cheapest Insurance Quotes for a Mazda CX-7 in Illinois?

When the topic is car insurance, the words “affordable” or “cheap” should never appear anywhere to describe car insurance prices. Despite the oxymoron, cheap car insurance for a Mazda CX-7 is pretty hard to find. But don’t let us ruin your dream, because we will teach you how you can quote car insurance that fits into your budget.

Whether or not you can find cheaper car insurance for a Mazda CX-7 in Illinois depends upon a complex equation that considers factors such as how old you are, if you have ever had a gap in coverage, and your choice of physical damage deductibles. Drivers in Illinois on average pay around $740 per year to buy Mazda CX-7 insurance, but that rate is an estimate using rate data for a 30-year-old single male driver with full coverage including both comprehensive and collision and $1,000 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not a 30-year-old male, you might be married instead of single, or maybe your CX-7 is a different trim level than the example. What people think is a minor change in the factors used to determine rates can result in a large change in the coverage rate.

Every auto insurance policy is unique to the driver, so the way we recommend to find cheap car insurance rates for your Mazda is to do the rate comparisons yourself. To start saving now, get free quotes and you will receive prices from some of the most affordable companies that offer coverage in Illinois.

Cheapest Mazda CX-7 Insurance Rates

The trim level of your CX-7 will likely have an effect on the insurance rate, so the price to insure a CX-7 SV 2WD will be $74 less expensive the cost to insure the higher-end CX-7 Grand Touring 4WD model, as shown in the table below.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in specific garaging location which can change coverage rates noticeably.

Shopping around for affordable insurance is challenging, and figuring out which companies quote the lowest-priced auto insurance rates for a Mazda CX-7 will require a bit more work. Each company uses a different method to establish rates, so let’s take a look at the auto insurance companies with the overall best prices in Illinois.

Find the Cheapest Car Insurance for Your CX-7

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The Hartford quotes some of the most affordable car insurance rates in Illinois at around $746 annually. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also some of the lowest-priced Illinois insurance companies.

In this example, if you currently have coverage with Cincinnati Insurance and switched to Rockford Mutual, you could see yearly savings of in the vicinity of $77. Policyholders with Utica National might save as much as $128 a year, and USAA policyholders might lower prices by $132 a year.

Be aware that those policy rates are averaged across all drivers and vehicles in Illinois and do not factor in a specific rating modification for a Mazda CX-7. So the auto insurance company that is most affordable for your situation may not even be featured in the rate chart shown above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

The information below shows how choosing a deductible can raise or lower yearly insurance costs when quoting cheap insurance for a Mazda CX-7. The rate quotes are based on a married female driver, full coverage, and no discounts are factored in.

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The chart above illustrates that a 30-year-old driver could reduce rates by $258 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $388 by using a $1,000 deductible. Young drivers, like the 20-year-old example, can save up to $550 annually just by choosing higher deductibles.

If you make the decision to raise deductibles, it will be necessary to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Company comparison: Geico vs Progressive vs State Farm vs Allstate

If you’re looking for the cheapest insurance for a CX-7 in Illinois, the most popular companies are Geico, Progressive, State Farm, and Allstate. All offer your standard physical damage and liability coverages, but each one has different optional coverages and features that shoppers can select from. The data below breaks down price and claims rank as well as some different options that may be available in Illinois.

Find the cheapest insurance for a Mazda CX-7 in Illinois

It’s not impossible to find cheaper rates, and here are a few money-saving solutions that can help drivers get lower-cost auto insurance.

• Pay lower rates with good credit
• Safer vehicles cost less to insure
• Do not get into accidents that are your fault
• Higher deductibles mean lower rates
• Do not get tickets or violations
• Shop around for cheaper prices often

The final tip is extremely critical, as we hit on in this piece. Prices charged by auto insurers in Illinois adjust frequently, so drivers shouldn’t be reluctant to change insurance companies if you can save money. We understand brand loyalty, but we do not recommend it if that loyalty results in overpaying hundreds every year. Take a couple minutes and shop around and find cheaper car insurance for a Mazda CX-7.