How to Save Money on Insurance for your Mazda CX-9
If finding affordable car insurance was easy, most of us would take the time to do it. But the reality is, you probably don't enjoy it and you think it costs too much. Finding affordable coverage for your Mazda CX-9 probably is no different.
Step One: Shop Around
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Welcome to the NEW way to buy car insurance!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Mazda CX-9 without even visiting their websites!
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Important! If you already have liability and physical damage coverage on your CX-9, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: Insider Tips for Finding Cheaper CX-9 Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a CX-9.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your CX-9 falls into either category, it could cost you.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
Step Three: Buy the Policy That's Right for You
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your CX-9 with.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
If the Mazda CX-9 is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Your existing car insurance policy will give you some coverage if you buy a new or used CX-9, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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