Finding competitive auto insurance for a Mazda CX-7 is fairly easy, but it relies on lots of different factors such as your age, if you have recent claims, and blemishes on your driving record. Drivers will pay around $770 a year for CX-7 insurance, but that is an estimation based on a 50-year-old married male driver with full coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 50-year-old male, you might be single instead of married, or maybe you have a speeding ticket that needs to be factored in. Each driver’s needs are different, and that demonstrates why the only way to find the cheapest insurance price for your Mazda is to do a thorough rate comparison. Rate quotes are easy and you will receive rate quotes from some of the best companies that insure Mazda vehicles in Indiana.
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The trim level of your CX-7 can impact the coverage cost, so the price you will pay to insure a CX-7 SV 2WD will be $98 cheaper than the cost to insure the more well-appointed CX-7 Grand Touring 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $170 | $310 | $270 | $16 | $80 | $846 | $71 |
| CX-7 Sport 2WD | $190 | $310 | $270 | $16 | $80 | $866 | $72 |
| CX-7 Touring 2WD | $190 | $310 | $270 | $16 | $80 | $866 | $72 |
| CX-7 Touring 4WD | $190 | $366 | $270 | $16 | $80 | $922 | $77 |
| CX-7 Grand Touring 2WD | $212 | $366 | $270 | $16 | $80 | $944 | $79 |
| CX-7 Grand Touring 4WD | $212 | $366 | $270 | $16 | $80 | $944 | $79 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in vehicle location which can impact auto insurance rates considerably.
Comparing quotes for cheap auto insurance is hard enough, and determining which companies offer the most affordable car insurance rates for a Mazda CX-7 takes even more work. Every insurance provider uses a little different formula to establish rates, so we’ll go over the most competitive car insurance companies in Fort Wayne, IN.
It’s a good idea to be aware that Fort Wayne car insurance rates are based on many factors which can significantly increase or decrease the price of your policy. This price fluctuation is why consumers need to take the time to shop around with many companies when trying to get cheap auto insurance quotes for a Mazda CX-7. Auto insurance prices can be altered by many different factors and change dramatically, so the cheapest rate when you last compared rates may now be an over-priced policy.
Best Car Insurance Prices for Your CX-7
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $602 |
| 2 | USAA | $681 |
| 3 | Cincinnati Insurance | $684 |
| 4 | Erie | $712 |
| 5 | Western Reserve | $846 |
| 6 | Indiana Farmers Mutual | $849 |
| 7 | Auto-Owners | $879 |
| 8 | The Hartford | $889 |
| 9 | Utica National | $956 |
| 10 | Nationwide | $968 |
| 11 | Motorists Mutual | $986 |
| 12 | State Farm | $997 |
| 13 | Hastings Mutual | $1,013 |
| 14 | Safeco | $1,013 |
| 15 | Farmers | $1,033 |
| 16 | Westfield | $1,072 |
| 17 | Wolverine Mutual | $1,094 |
| 18 | State Auto | $1,098 |
| 19 | Progressive | $1,106 |
| 20 | GEICO | $1,122 |
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Travelers quotes some of the best car insurance rates in Fort Wayne at around $602 annually. USAA, Cincinnati Insurance, Erie, and Western Reserve also make the cut as some of the cheaper Fort Wayne, IN auto insurance companies.
As depicted above, if you have coverage with Erie and switched to Travelers, you might see savings of in the vicinity of $110. Indiana drivers with Western Reserve may save as much as $244 a year, and Indiana Farmers Mutual policyholders might see rate reductions of $247 a year.
If you want to see how much you could save, click here to start your custom quote or visit several of the following companies.
Understand that those prices are averaged across all drivers and vehicles and do not take into consideration an exact location for a Mazda CX-7. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That’s why you need to get quotes using your own personalized driver profile and vehicle information.
Does full coverage make sense?
Lowering the price of car insurance should be important to most drivers, and a great way to pay less for insurance for a Mazda CX-7 is to only buy liability coverage. The example below shows the difference between car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Indiana. Data assumes no claims, a clean driving record, $250 deductibles, drivers are not married, and no discounts are factored in.
If averaged for all ages, physical damage insurance costs $1,785 per year more than buying just liability insurance. That touches on the question if full coverage is worth the money. There isn’t a written rule of when to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $4,000 after the policy deductible has been paid. If you are currently paying more than $400 annually for physical damage coverage, then it could be time to drop full coverage.
There are a few situations where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
The illustration below illustrates how your deductible choice can change insurance rates when searching for cheap insurance for a Mazda CX-7. The premiums assume a married female driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could save $238 a year by increasing from a $100 deductible up to a $500 deductible, or save $360 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, could shave as much as $590 or even more by using a higher deductible.
If you do raise deductibles, it is necessary to have enough funds in savings to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.
How to find the cheapest car insurance for a Mazda CX-7
It is possible to find better rates, and here are some of the better penny-pinching ideas that can help you quote cheap coverage.
- Accidents can significantly increase rates
- Safe vehicles cost less to insure
- Do not get tickets
- Good credit scores may lower your rates
- Increase your policy deductibles
- Look for cheaper rates once a year by shopping around
The last suggestion is highly necessary, as was affirmed in this piece. Car insurance prices go up and down frequently, so drivers shouldn’t be resistant to switch companies if a more affordable price is available. Brand loyalty is great, but it’s not a great idea if that loyalty ends up costing hundreds every year. Take a couple minutes and shop around to find cheaper auto insurance for a Mazda CX-7 in Fort Wayne.
If you aren’t clear which coverage you need and would like to get some professional advice when buying car insurance for a Mazda CX-7, the agents below are a good start to answer your questions and help you decide which auto insurance policy would work best for you.
To locate an agency by location nearest to you, click the link after the list.
- Hupe Insurance Services
7011 Stellhorn Rd – Fort Wayne, IN 46815 – (800) 701-5909 - Melissa Satterthwaite – State Farm Insurance Agent
7757 Coldwater Rd – Fort Wayne, IN 46825 – (260) 489-5503 - John Carr – State Farm Insurance Agent
1018 E Dupont Rd – Fort Wayne, IN 46825 – (260) 489-3838