Affordable Mazda CX-7 Insurance in Oakland

Insurance rates Mazda CX-7 in OaklandThe preferred way to get cheaper auto insurance rates in Oakland is to compare quotes annually from insurers who provide auto insurance in California.

First, learn about how insurance works and the changes you can make to keep rates down. Many rating factors that drive up the price like speeding tickets, careless driving and an unacceptable credit score can be controlled by making small lifestyle or driving habit changes.

Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide rate quotes from many different companies.

Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate in Oakland. If you find better rates, make sure there is no lapse in coverage.

Fourth, tell your current agent or company to cancel the current policy and submit payment and a completed application to the new company. As soon as you receive it, safely store the certificate verifying proof of insurance in a readily accessible location in your vehicle.

One key aspect when comparing rates is to make sure you’re comparing the same liability limits and deductibles on each quote and and to get rates from all possible companies. Doing this enables a level playing field and a complete selection of prices.

A study showed that almost 70% of drivers in California have stayed with the same insurance company for four years or more, and nearly half have never compared rates to find affordable insurance. U.S. insurance shoppers could save up to 47% each year just by getting comparison quotes, but they don’t invest the time required to compare rates.

Many insurance companies provide prices online. Doing online price comparisons for Mazda CX-7 insurance in Oakland is very simple as you simply type in the coverages you want as detailed in the form. After the form is submitted, the quote system makes automated requests for your credit score and driving record and returns a price quote based on the data you entered.

Getting online rate quotes for Mazda CX-7 insurance in Oakland makes comparing rates easy, and it’s very important to get many rate quotes if you want to find cheap insurance pricing.

To save time and compare pricing, compare quotes from the companies shown below. To compare your current rates, we recommend you input deductibles and limits identical to your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison based on identical coverages.

The auto insurance companies shown below are ready to provide price comparisons in Oakland, CA. To find the best cheap auto insurance in Oakland, it’s a good idea that you visit two to three different companies to find the cheapest auto insurance rates.

Mazda CX-7 insurance statistics and information

The information shown next outlines detailed analysis of insurance premium costs for Mazda CX-7 models. Learning how insurance quotes are established is important for you to make smart choices when buying a car insurance policy.

Mazda CX-7 Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $266 $490 $424 $26 $126 $1,332 $111
CX-7 Sport 2WD $300 $490 $424 $26 $126 $1,366 $114
CX-7 Touring 2WD $300 $490 $424 $26 $126 $1,366 $114
CX-7 Touring 4WD $300 $576 $424 $26 $126 $1,452 $121
CX-7 Grand Touring 2WD $334 $576 $424 $26 $126 $1,486 $124
CX-7 Grand Touring 4WD $334 $576 $424 $26 $126 $1,486 $124
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise coverage prices noticeably.

Physical damage deductibles

One frequently asked question is how low should you set your deductibles. The following tables help summarize the rate difference of buying low and high insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Mazda CX-7 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $380 $686 $442 $26 $132 $1,691 $141
CX-7 Sport 2WD $430 $686 $442 $26 $132 $1,741 $145
CX-7 Touring 2WD $430 $686 $442 $26 $132 $1,741 $145
CX-7 Touring 4WD $430 $810 $442 $26 $132 $1,865 $155
CX-7 Grand Touring 2WD $478 $810 $442 $26 $132 $1,913 $159
CX-7 Grand Touring 4WD $478 $810 $442 $26 $132 $1,913 $159
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Mazda CX-7 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $210 $362 $442 $26 $132 $1,172 $98
CX-7 Sport 2WD $238 $362 $442 $26 $132 $1,200 $100
CX-7 Touring 2WD $238 $362 $442 $26 $132 $1,200 $100
CX-7 Touring 4WD $238 $426 $442 $26 $132 $1,264 $105
CX-7 Grand Touring 2WD $266 $426 $442 $26 $132 $1,292 $108
CX-7 Grand Touring 4WD $266 $426 $442 $26 $132 $1,292 $108
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in garaging location in Oakland which can alter premium rates noticeably.

Based on the above data, using a $100 deductible costs about $48 more each month or $576 a year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 19 months between claim filings, you would probably save some money if you choose a higher deductible. Below is how this determination is made.

Average monthly premium for $100 deductibles: $151
Average monthly premium for $1,000 deductibles (subtract): – $103
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important caveat is that higher deductibles results in having to pay to pay more out-of-pocket when you file a claim. It will be required that you have enough extra money in order to pay the higher deductible.

Premiums by gender and age

The information below illustrates the comparison of Mazda CX-7 insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Components of Your Mazda CX-7 Insurance Premiums

Many things are used when quoting car insurance. Some are obvious such as your driving history, but others are more transparent like your continuous coverage and annual miles driven. A large part of saving on car insurance is knowing some of the elements that come into play when calculating your premiums. If you have some idea of what influences your rates, this helps enable you to make changes that can earn you big savings.

The following are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

Where you call home factors in – Being located in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. People who live in big cities regularly have much more traffic and much longer commute distances. Less people living in that area translates into fewer accidents in addition to fewer liability claims.

Get hitched and pay less – Your spouse can actually save you money when shopping for car insurance. It demonstrates that you tend to be more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.

Better car insurance rates for being claim-free – If you frequently file small claims, don’t be surprised to see either a policy non-renewal or much higher rates. Insurance companies in California award discounts to insureds who file claims infrequently. Your car insurance is intended for more catastrophic claims.

Tickets drive up premiums – Drivers who don’t get tickets get better prices compared to bad drivers. Only having one speeding ticket or other violation could increase your next policy renewal by twenty percent. Drivers who have received careless tickets like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 form with their state DMV in order to legally drive a vehicle.

The information below demonstrates how speeding tickets and at-fault collisions impact Mazda CX-7 insurance costs for each different age group. The data assumes a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

Choosing the best Mazda CX-7 insurance in California is an important decision

Despite the high insurance cost for a Mazda CX-7 in Oakland, paying for insurance serves several important purposes.

The benefits of buying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. Today the average American driver is currently overpaying as much as $825 a year so compare rate quotes each time the policy renews to help ensure money is not being wasted.