Compare Mazda CX-7 Insurance Quotes in Madison

Insurance rates Mazda CX-7 in MadisonAre you sick and tired of scraping the payment together to keep your car insured? You are no different than the majority of other vehicle owners in Wisconsin.

Unbelievably, most drivers have bought auto insurance from the same company for four years or more, and approximately 40% of consumers have never quoted auto insurance rates at all. Drivers in Wisconsin can cut their rates by roughly $400 a year by just comparing rate quotes, but they won’t spend time to compare rates.

Steps to saving on Mazda CX-7 insurance in Madison

The most effective way to quote cheaper auto insurance rates is to begin comparing prices regularly from companies who can sell car insurance in Madison. Price quotes can be compared by following these guidelines.

  1. Get a basic knowledge of how auto insurance works and the changes you can make to prevent expensive coverage. Many factors that increase rates such as traffic violations and an unacceptable credit rating can be remedied by making lifestyle changes or driving safer.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or State Farm, while independent agents can provide rate quotes from multiple insurance companies. Get quotes now
  3. Compare the new rates to the price on your current policy and see if you can save money. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.

The critical component of shopping around is to use similar deductibles and liability limits on every quote request and and to get prices from all possible companies. Doing this enables a fair rate comparison and a good representation of prices.

Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the best price available on Mazda CX-7 insurance in Madison.

Affordable companies for Mazda CX-7 insurance

The car insurance companies shown below have been selected to offer free rate quotes in Wisconsin. If your goal is to find cheap auto insurance in Madison, we suggest you visit two to three different companies in order to find the lowest rates.

Mazda CX-7 insurance rate analysis

The premium table displayed below highlights different coverage costs for Mazda CX-7 models. Learning how insurance quotes are determined can be useful when making smart choices when buying a policy.


Mazda CX-7 Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $152 $294 $260 $16 $78 $800 $67
CX-7 Sport 2WD $172 $294 $260 $16 $78 $820 $68
CX-7 Touring 2WD $172 $294 $260 $16 $78 $820 $68
CX-7 Touring 4WD $172 $346 $260 $16 $78 $872 $73
CX-7 Grand Touring 2WD $192 $346 $260 $16 $78 $892 $74
CX-7 Grand Touring 4WD $192 $346 $260 $16 $78 $892 $74
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in specific zip code location which can modify premiums significantly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates shown below outline the difference in cost between high and low physical damage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.


Mazda CX-7 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $178 $300 $230 $14 $68 $815 $68
CX-7 Sport 2WD $200 $300 $230 $14 $68 $837 $70
CX-7 Touring 2WD $200 $300 $230 $14 $68 $837 $70
CX-7 Touring 4WD $200 $352 $230 $14 $68 $889 $74
CX-7 Grand Touring 2WD $224 $352 $230 $14 $68 $913 $76
CX-7 Grand Touring 4WD $224 $352 $230 $14 $68 $913 $76
Get Your Own Custom Quote Go

Mazda CX-7 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $144 $242 $230 $14 $68 $698 $58
CX-7 Sport 2WD $164 $242 $230 $14 $68 $718 $60
CX-7 Touring 2WD $164 $242 $230 $14 $68 $718 $60
CX-7 Touring 4WD $164 $284 $230 $14 $68 $760 $63
CX-7 Grand Touring 2WD $182 $284 $230 $14 $68 $778 $65
CX-7 Grand Touring 4WD $182 $284 $230 $14 $68 $778 $65
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in zip code location which can decrease or increase premium rates noticeably.

Using the data above, we can ascertain that using a $250 deductible costs about $10 more each month or $120 each year than opting for the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 25 months between claim filings, you would probably be better off going with the higher deductible. The illustration below shows an example of how this decision is made.

Average monthly premium for $250 deductibles: $72
Average monthly premium for $500 deductibles (subtract): – $62
Monthly savings from raising deductible: $10
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Liability only or full coverage

The chart below illustrates the comparison of Mazda CX-7 car insurance costs with and without physical damage coverage. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no clear-cut formula for phasing out full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Mazda CX-7 replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your deductible. If premium cost is more than $700 a year to have full coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Affordable rates on Mazda CX-7 insurance in Madison with these car insurance discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you quote, but some need to be asked for prior to receiving the credit.Car insurance discounts

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, car insurance companies aren’t that generous.

The diagram below compares Mazda CX-7 insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no accidents or driving violations, Wisconsin state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, marriage, and multi-car discounts applied.

To choose car insurance companies who offer car insurance discounts in Wisconsin, click here to view.

Mazda CX-7 Insurance Rate Factors

It’s important that you understand some of the things that go into determining your car insurance rates. When consumers understand what determines premiums, this empowers consumers to make smart changes that may reward you with lower rates.

The itemized list below are some of the items used by your company to calculate premiums.

Your situation helps dictate your coverage

When buying coverage online or from an agent for your vehicles, there is no one-size-fits-all type of policy. Your financial needs are unique so your insurance should reflect thatSafe vehicles cost less to insure
These are some specific questions might point out if your insurance needs will benefit from professional help.

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Are car insurance agents of importance?

Some people just prefer to visit with an insurance agent and that is OK! A nice benefit of getting online price quotes is the fact that you can find lower rates and still have a local agent. Buying from local insurance agents is important especially in Madison.

Once you complete this quick form, your insurance coverage information is instantly submitted to local insurance agents who will return price quotes to get your business. There is no need to drive around due to the fact that quote results will go straight to your inbox. You can get cheaper car insurance rates without a big time investment. If for some reason you want to compare prices from a particular provider, you would need to jump over to their website and submit a quote form there.

Choosing an insurer requires you to look at more than just a cheap price. These are some questions your agent should answer.

Affordable auto insurance is out there

We just presented a lot of information how to reduce Mazda CX-7 insurance premium rates online in Madison. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Mazda CX-7 insurance quotes. You may even find the best price on auto insurance is with a small local company. Some small companies can often provide lower prices in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Steps to buying affordable Mazda CX-7 insurance in Madison

The best way to get the cheapest auto insurance rates is to begin comparing prices regularly from providers that insure vehicles in Madison. You can compare prices by completing these steps.

  1. Learn about how your policy works and the changes you can make to prevent expensive coverage. Many policy risk factors that cause high rates like at-fault accidents, careless driving, and bad credit can be eliminated by making lifestyle changes or driving safer.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices for a wide range of companies.
  3. Compare the quotes to the price on your current policy and see if there is a cheaper rate in Madison. If you find better rates, ensure coverage does not lapse between policies.
  4. Tell your current company to cancel the current policy. Submit any necessary down payment along with the completed application to the new insurer. Once coverage is bound, place your new proof of insurance paperwork with the vehicle registration.

An essential thing to point out is to try to compare the same liability limits and deductibles on every price quote and and to get rates from as many car insurance companies as possible. This enables an accurate price comparison and a good representation of prices.

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