How to Compare Santa Ana Mazda CX-7 Insurance

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The easiest way to get cheaper auto insurance rates in Santa Ana is to start comparing prices yearly from insurers that insure vehicles in California.

  1. Try to comprehend individual coverages and the steps you can take to keep rates down. Many rating factors that result in higher rates like traffic violations and a negative credit history can be rectified by making minor driving habit or lifestyle changes.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can give you price quotes from multiple sources.
  3. Compare the new rates to your existing coverage and see if there is a cheaper rate. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Tell your current agent or company to cancel the current policy and submit the required down payment along with the signed application for the new policy. Once the paperwork is finalized, place the new certificate verifying proof of insurance with the vehicle registration.

A good tip to remember is that you'll want to compare similar limits and deductibles on every quote and and to get prices from as many companies as feasibly possible. This enables the most accurate price comparison and a thorough price selection.

Discount Mazda CX-7 insuranceSad but true, a large majority of consumers have stayed with the same insurance company for well over three years, and roughly 40% of drivers have never shopped around. Many consumers in California can save $470 each year by just comparing rate quotes, but most just don't grasp how much money they would save if they switched.

When quoting insurance, remember that comparing a large number of companies increases your odds of finding a lower rate.

The companies in the list below can provide comparison quotes in Santa Ana, CA. If the list has multiple companies, we suggest you get rate quotes from several of them to get a more complete price comparison.

Mazda CX-7 insurance coverage information

The information displayed below outlines different prices for Mazda CX-7 models. Having insight into how insurance prices are figured can be useful when making informed decisions when shopping around for a new policy.

Mazda CX-7 Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $326 $672 $464 $28 $138 $1,628 $136
CX-7 Sport 2WD $370 $672 $464 $28 $138 $1,672 $139
CX-7 Touring 2WD $370 $672 $464 $28 $138 $1,672 $139
CX-7 Touring 4WD $370 $792 $464 $28 $138 $1,792 $149
CX-7 Grand Touring 2WD $412 $792 $464 $28 $138 $1,834 $153
CX-7 Grand Touring 4WD $412 $792 $464 $28 $138 $1,834 $153
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Prices do not factor in specific zip code location which can revise rates greatly.

The chart below demonstrates how deductible levels and can increase or decrease Mazda CX-7 yearly insurance costs for each age group. The data is based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

How accidents and violations affect rates

The diagram below shows how speeding tickets and accident claims impact Mazda CX-7 insurance prices for each different age category. The premiums are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Car insurance prices based on gender

The chart below shows the difference between Mazda CX-7 annual premium costs for male and female drivers. The data is based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The example below compares Mazda CX-7 auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no policy discounts are applied.

Guidelines for eliminating full coverage

There is no definitive guideline that is best for determining when to drop full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Mazda CX-7 replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If it's costing in excess of $600 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some cases where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Three main reasons to buy insurance

Despite the high cost of buying insurance for a Mazda CX-7 in Santa Ana, insurance is most likely required but also gives you several important benefits.

  • Just about all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your Mazda CX-7 with a loan, it's guaranteed your bank will stipulate that you have physical damage coverage to protect their interest in the vehicle. If the policy lapses, the lender may insure your Mazda at a much higher rate and require you to fork over for it.
  • Insurance safeguards not only your Mazda but also your financial assets. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having insurance greatly outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $750 every year so compare quotes from several companies at every policy renewal to make sure the price is not too high.

Santa Ana Insurance Rates are Influenced by These Factors

A large part of saving on auto insurance is knowing the factors that help determine the price you pay for auto insurance. If you know what influences your rates, this enables you to make decisions that can earn you big savings.

Listed below are a few of the things companies use to determine your rate level.

Proper usage rating affects prices - The higher the miles on your Mazda each year the higher your rates will be. Many insurance companies calculate prices determined by how the vehicle is used. Cars that have low annual miles cost less to insure than vehicles that are driven to work every day. Incorrect rating for your CX-7 may be costing you higher rates. Ask your agent if your declarations sheet is showing annual mileage.

Lower auto insurance rates with alarm systems - Choosing to buy a car with a theft deterrent system can help bring down rates. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.

How credit history affects auto insurance costs - Your credit history is likely to be a major factor in calculating your auto insurance rates. People with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings. So if your credit rating is low, you could pay less to insure your Mazda CX-7 by improving your credit score.

More people means more accidents - Having an address in smaller towns and rural areas of the country can save you money when it comes to auto insurance. Fewer drivers on the road means less chance of accidents as well as less vandalism and auto theft. Residents of big cities tend to have congested traffic and longer commute times. The longer drive time statistically corresponds to a higher accident and claim rate.

Never let your coverage expire - Having a lapse in insurance coverage is a fast way to pay more for auto insurance. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license. Then you may be required to file a SR-22 with the California motor vehicle department.

Get lower-cost rates on Mazda CX-7 insurance in Santa Ana with these discounts

Insurance can cost an arm and a leg, but there are discounts available that can dramatically reduce your bill. Certain discounts will be applied when you purchase, but once in a while a discount must be requested specifically prior to receiving the credit.Save money with discounts

  • Driver Training Discounts - Participating in a class that teaches driver safety techniques may get you a small discount and easily pay for the cost of the class.
  • Policy Bundle Discount - If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you will save approximately 10% to 15%.
  • Military Rewards - Having a family member in the military could trigger a small discount.
  • Discount for Life Insurance - Some auto insurance companies give lower premium rates if you buy auto and life insurance together.
  • Accident Waiver - This one is not really a discount per se, but companies like State Farm and Allstate will turn a blind eye to one accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Senior Discount - If you're over the age of 55, you may qualify for a small decrease in premiums.
  • Discounts for Cautious Drivers - Safe drivers may save up to 50% more than less cautious drivers.

Remember that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though you would think you can get free auto insurance, it's just not the way it works.

The illustration below illustrates the difference between Mazda CX-7 insurance prices with and without discounts applied. The premiums assume a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, homeowner, marriage, and multi-policy discounts applied.

A few of the larger companies and some of their more popular discounts are detailed below.

  • State Farm has discounts for good driver, Steer Clear safe driver discount, driver's education, multiple autos, safe vehicle, accident-free, and defensive driving training.
  • GEICO may have discounts that include federal employee, air bags, multi-vehicle, seat belt use, and good student.
  • Progressive offers discounts including good student, online quote discount, online signing, multi-policy, and multi-vehicle.
  • 21st Century may include discounts for 55 and older, anti-lock brakes, air bags, good student, teen driver, defensive driver, and student driver.
  • American Family has savings for air bags, good student, early bird, Steer into Savings, good driver, TimeAway discount, and multi-vehicle.
  • The Hartford offers discounts for vehicle fuel type, defensive driver, driver training, anti-theft, air bag, and bundle.
  • AAA may offer discounts for AAA membership discount, pay-in-full, multi-policy, good student, and multi-car.

When getting free Santa Ana car insurance quotes, it's a good idea to every insurance company how you can save money. Some discounts listed above might not be offered on policies in every state. To choose insurers that offer the discounts shown above in California, click this link.

Car insurance is available from agents near you

Certain consumers would rather buy from a licensed agent and that can be a great decision One of the great benefits of getting free rate quotes online is you may find cheap rate quotes but also keep your business local. And buying from neighborhood agents is important especially in Santa Ana.

Santa Ana insurance agentsFor easy comparison, once you complete this quick form, your coverage information is emailed to participating agents in Santa Ana that give free quotes for your coverage. You never need to search for an agent since rate quotes are delivered straight to your inbox. Get lower rates without having to waste a lot of time. In the event you want to quote rates for a specific company, don't hesitate to navigate to their website and submit a quote form there.

When finding a reliable insurance agency, there are a couple of types of agencies and how they are distinctly different. Car insurance agents in Santa Ana can be classified as either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

Independent agents are not employed by any specific company and that allows them to write policies with a variety of different insurance companies and help determine which has the cheapest rates. If premiums increase, they simply switch companies in-house and you stay with the same agent.

When shopping rates, we recommend you get insurance quotes from multiple independent agents to maximize your price options. Most also have access to companies you've never heard of which may provide better rates.

Featured below are Santa Ana independent agents that can give you free car insurance quotes.

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Exclusive Insurance Agencies

Agents in the exclusive channel have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agents receive extensive training on their company's products which helps them compete with independent agents. Drivers often buy from exclusive agents mainly due to the brand rather than having low rates.

The following is a short list of exclusive agents in Santa Ana willing to provide comparison quotes.

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Finding the right auto insurance agent should depend on more than just a cheap quote. Some important questions to ask are:

  • Which company do they place the most coverage with?
  • How would your car be valued if totaled?
  • Do they specialize in personal lines coverage in Santa Ana?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Does the agent have a valid license to sell insurance in California?

Best car insurance company in California

Picking the right car insurance company can be difficult considering how many companies are available to choose from in California. The rank data below could help you decide which auto insurance companies you want to consider when shopping around.

Top 10 Santa Ana Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Quote more to save more

You just learned a lot of information how to find lower-cost Mazda CX-7 insurance in Santa Ana. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers may even find the lowest priced insurance comes from the least-expected company.

Budget-conscious Mazda CX-7 insurance is definitely available both online and also from your neighborhood Santa Ana agents, so you should compare both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers only sell coverage through independent agents.

Consumers leave their current company for many reasons like high rates after DUI convictions, extreme rates for teen drivers, an unsatisfactory settlement offer and even denial of a claim. Whatever your reason, choosing a new company is actually quite simple.

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