Trying to find low-cost auto insurance rates in Seattle, WA? Seattle consumers have lots of choices when looking for the lowest priced Mazda CX-7 insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to compare rates.
There are more efficient ways to buy auto insurance so you’re going to learn the best way to get price quotes on a Mazda and locate the best price possible from both online companies and Seattle agents.
This article will instruct you on how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to reduce premiums using the ideas you’re about to read. Smart shoppers just need to understand the least time-consuming way to compare different rates online.
Do you qualify for discounts on Mazda CX-7 insurance in Seattle?
Insurance can be prohibitively expensive, but you can get discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of quoting, but some must be asked about before you will receive the discount.
- One Accident Forgiven – This isn’t a discount exactly, but certain companies allow you one accident without raising rates if you are claim-free for a specific time period.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Lower Rates for Military – Being deployed with a military unit could be rewarded with lower rates.
- Bundled Policy Discount – When you have multiple policies and insure them with the same company you may earn 10% to 20% off each policy.
- Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you could save up to 5%.
- Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
- Data Collection Discounts – People who choose to allow their insurance company to spy on driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they are good drivers.
- No Claims – Drivers with accident-free driving histories pay much less in comparison with bad drivers.
- Own a Home and Save – Owning a house in Seattle may earn you a small savings because owning a home means you have a higher level of financial diligence.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a Seattle car insurance quote.
Drivers should understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount should definitely cut your overall bill.
Companies who might offer these discounts possibly include:
If you need lower rates, check with each insurance company which discounts can lower your rates. Some credits may not apply in every state. For a list of providers that offer many of these discounts in Washington, click this link.
Many insurance companies make it easy to get coverage price quotes online. Obtaining pricing for Mazda CX-7 insurance in Seattle doesn’t take much effort as you simply type in the coverages you want as requested by the quote form. After you submit the form their rating system collects credit information and your driving record and returns a price quote based on many factors.
Quoting online for Mazda CX-7 insurance in Seattle makes it easy to compare insurance prices and it’s absolutely necessary to have as many quotes as possible if you want to find a lower rate.
In order to find out how much you’re overpaying now, check out the auto insurance providers below. If you have a policy now, it’s recommended you duplicate the coverage information identical to your current policy. Doing this assures you will get comparison quotes based on similar coverages.
The following companies are ready to provide quotes in Seattle, WA. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $186 | $310 | $294 | $18 | $88 | $896 | $75 |
| CX-7 Sport 2WD | $222 | $376 | $334 | $20 | $100 | $1,052 | $88 |
| CX-7 Touring 2WD | $180 | $304 | $310 | $18 | $92 | $904 | $75 |
| CX-7 Touring 4WD | $220 | $448 | $278 | $16 | $82 | $1,044 | $87 |
| CX-7 Grand Touring 2WD | $200 | $376 | $334 | $20 | $100 | $1,030 | $86 |
| CX-7 Grand Touring 4WD | $202 | $284 | $386 | $22 | $116 | $1,010 | $84 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in vehicle garaging location which can decrease or increase prices noticeably.
Do you need full coverage?
The diagram below shows the difference between Mazda CX-7 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Washington. Data assumes no driving violations, no at-fault accidents, $500 deductibles, single female driver, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no exact rule for dropping physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Mazda CX-7 book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $3,000 after the deductible is paid. If you are paying more than $300 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.
Gender-based car insurance premiums
The information below shows the comparison of Mazda CX-7 insurance costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Physical damage deductibles: Should you raise them?
When comparing car insurance rates, the most common question is how high should your deductibles be. The data tables below summarize the differences in price between high and low deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $228 | $384 | $294 | $18 | $88 | $1,037 | $86 |
| CX-7 Sport 2WD | $258 | $384 | $294 | $18 | $88 | $1,067 | $89 |
| CX-7 Touring 2WD | $258 | $384 | $294 | $18 | $88 | $1,067 | $89 |
| CX-7 Touring 4WD | $258 | $452 | $294 | $18 | $88 | $1,135 | $95 |
| CX-7 Grand Touring 2WD | $286 | $452 | $294 | $18 | $88 | $1,163 | $97 |
| CX-7 Grand Touring 4WD | $286 | $452 | $294 | $18 | $88 | $1,163 | $97 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $186 | $310 | $294 | $18 | $88 | $896 | $75 |
| CX-7 Sport 2WD | $208 | $310 | $294 | $18 | $88 | $918 | $77 |
| CX-7 Touring 2WD | $208 | $310 | $294 | $18 | $88 | $918 | $77 |
| CX-7 Touring 4WD | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| CX-7 Grand Touring 2WD | $232 | $364 | $294 | $18 | $88 | $996 | $83 |
| CX-7 Grand Touring 4WD | $232 | $364 | $294 | $18 | $88 | $996 | $83 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific location which can impact coverage rates considerably.
Based on the data above, we can derive that using a $250 deductible costs an average of $13 more each month or $156 for a full year than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 19 months between claim filings, you would probably be better off by selecting a higher deductible. The illustration below shows the way this determination is made.
| Average monthly premium for $250 deductibles: | $92 |
| Average monthly premium for $500 deductibles (subtract): | – $79 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
Which policy gives me the best coverage?
When selecting coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and your insurance should be unique as well.
These are some specific questions may help you determine whether you may require specific advice.
- Can my babysitter drive my car?
- I have health insurance so do I need medical payments coverage?
- Does every company file a SR-22 automatically?
- Am I covered when driving in Canada or Mexico?
- I don’t drive much so do I pay less?
- Can I afford to pay high deductible claims out of pocket?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Car insurance agents can help
A lot of people still prefer to buy from a local agent and that is OK! Experienced insurance agents are trained risk managers and help you file claims. A good thing about getting online price quotes is that drivers can save money and get lower rates and still buy from a local agent. Buying insurance from local agencies is important especially in Seattle.
To find an agent, once you fill out this short form, your information is submitted to local insurance agents that can provide free Seattle car insurance quotes and help you find cheaper coverage. You never need to even leave your home as quotes are delivered to you. In the event you want to get a comparison quote for a specific company, don’t hesitate to jump over to their website and complete a quote there.
When searching for a local Seattle insurance agency, you should know the types of agencies that you can choose from. Car insurance agencies are classified as either exclusive agents or independent agents. Both types of agents can do a good job, but it is important to understand how they are different because it can factor into which type of agent you select.
Independent Car Insurance Agents (or Brokers)
Independent agencies do not write with just one company and that gives them the ability to insure with lots of companies and get you the best rates possible. To move your coverage to a new company, they can switch companies in-house without you having to go to a different agency.
When comparison shopping, we highly recommend that you compare quotes from several independent agencies to get the best comparison. Many write coverage with smaller regional carriers that may provide cheaper car insurance rates.
The following is a small list of independent insurance agencies in Seattle that can possibly get you free rate quotes.
- Gurry and Rogers Insurance Inc
1200 5th Ave #1825 – Seattle, WA 98101 – (206) 621-6444 – View Map - Michael Wong Insurance
1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171 – View Map - BGI Agency Network Inc
4634 E Marginal Way S C 140 – Seattle, WA 98134 – (206) 682-9990 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive have only one company to place business with and examples are American Family, State Farm, and AAA. These agents are not able to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agents are highly trained on their company’s products which can be an advantage. Some insured continue to buy from the same agent for years mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.
The following is a list of exclusive agencies in Seattle that can give you price quotes.
- Mark Hafemeister – State Farm Insurance Agent
14322 Lake City Way NE – Seattle, WA 98125 – (206) 365-0600 – View Map - Forrest Dawson – State Farm Insurance Agent
3509 NE 45th St – Seattle, WA 98105 – (206) 526-2747 – View Map - Charles Cohen – State Farm Insurance Agent
9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map
Choosing the best car insurance agent shouldn’t rely on just a low price. Below are some questions you should ask.
- Can they give you a list of client referrals?
- How much can you save by raising your physical damage deductibles?
- How are they compensated?
- Are you getting all the discounts the company offers?
- What company holds the largest book of business for them?
- Does the company have a solid financial rating?
- Can glass repairs be made at your home?
Be persistent to save money
In this article, we presented a lot of techniques to shop for Mazda CX-7 insurance online. The key concept to understand is the more times you quote, the better chance you’ll have of finding the cheapest Mazda CX-7 rate quotes. Consumers may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.
As you restructure your insurance plan, do not reduce needed coverages to save money. In many instances, someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford while still protecting your assets.
To learn more, take a look at these articles:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Cheap Auto Insurance for Low Mileage Drivers in Seattle? (FAQ)
- How Much are Auto Insurance Quotes for a Hyundai Elantra in Seattle? (FAQ)
- Who Has Affordable Seattle Auto Insurance for a Ford F-150? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Smart Auto Insurance Tips (Insurance Information Institute)