Compare Mazda CX-9 Insurance Rate Quotes in Scottsdale

Insurance for Mazda CX-9Surprisingly, a recent survey revealed that the vast majority of insurance customers have purchased from the same company for more than four years, and almost 40% of drivers have never compared rates to find cheap insurance. Drivers in Scottsdale can cut their rates by as much as 50% a year, but they don’t understand how simple it is to compare rates and save money.

If you want to find the absolute lowest rates, then the best way to find the cheapest price for auto insurance rates is to make a habit of comparing prices annually from insurance carriers that insure vehicles in Scottsdale.

An important bit of advice to remember is that you’ll want to compare identical deductibles and limits on each price quote and and to look at every company you can. This provides an apples-to-apples comparison and maximum price selection.

Companies offering Mazda CX-9 insurance in Arizona

The following companies are ready to provide price comparisons in Arizona. If you want to find cheap car insurance in AZ, it’s highly recommended you compare several of them to get a more complete price comparison.

Rates and detailed analysis

The coverage information shown below outlines different prices for Mazda CX-9 models. Having knowledge of how insurance prices are determined can benefit drivers when making informed decisions.

Mazda CX-9 Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $250 $456 $314 $18 $94 $1,132 $94
CX-9 Grand Touring 2WD $250 $538 $314 $18 $94 $1,214 $101
CX-9 Sport AWD $250 $538 $314 $18 $94 $1,214 $101
CX-9 Touring 2WD $250 $538 $314 $18 $94 $1,214 $101
CX-9 Touring AWD $250 $538 $314 $18 $94 $1,214 $101
CX-9 Grand Touring AWD $278 $538 $314 $18 $94 $1,242 $104
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific garaging location which can decrease or increase premium rates significantly.

Physical damage deductible comparison

One of the most common car insurance questions is how high should the physical damage deductibles be. The comparison tables below show the rate fluctuation when you select higher and lower coverage deductibles. The first table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Mazda CX-9 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $262 $390 $300 $18 $90 $1,085 $90
CX-9 Grand Touring 2WD $262 $460 $300 $18 $90 $1,155 $96
CX-9 Sport AWD $262 $460 $300 $18 $90 $1,155 $96
CX-9 Touring 2WD $262 $460 $300 $18 $90 $1,155 $96
CX-9 Touring AWD $262 $460 $300 $18 $90 $1,155 $96
CX-9 Grand Touring AWD $292 $460 $300 $18 $90 $1,185 $99
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Mazda CX-9 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $162 $246 $300 $18 $90 $816 $68
CX-9 Grand Touring 2WD $162 $290 $300 $18 $90 $860 $72
CX-9 Sport AWD $162 $290 $300 $18 $90 $860 $72
CX-9 Touring 2WD $162 $290 $300 $18 $90 $860 $72
CX-9 Touring AWD $162 $290 $300 $18 $90 $860 $72
CX-9 Grand Touring AWD $180 $290 $300 $18 $90 $878 $73
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in Scottsdale location which can increase or decrease auto insurance rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs approximately $24 more each month or $288 for a full year averaged for all CX-9 models than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 31 months between claim filings, you would probably be better off by selecting a higher deductible.

How accidents and tickets impact rates in Scottsdale

The diagram below illustrates how speeding tickets and at-fault fender-benders can drive up Mazda CX-9 auto insurance costs for each age group. The data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.

Full coverage or liability only

The diagram below shows the comparison of Mazda CX-9 insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no claims, $100 deductibles, single status, and no discounts are taken into consideration.

Are you wasting money paying for full coverage?

There is no clear-cut rule to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Mazda CX-9 book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If premiums are more than $400 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Discounts mean cheaper rates for Mazda CX-9 insurance in Scottsdale

Companies that sell car insurance don’t always advertise every discount available very well, so the following is a list of both well-publicized as well as some of the hidden discounts that you may qualify for.Car insurance discounts

As a footnote on discounts, most discounts do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, that’s just not realistic. Any qualifying discounts should help lower the cost of your policy.

The diagram below illustrates the difference between Mazda CX-9 premium costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, safe-driver, and marriage discounts applied.

The best car insurance companies and a partial list of their discounts are included below.

If you need affordable Scottsdale car insurance quotes, ask each company to apply every possible discount. Depending on the company, some discounts might not be offered in your area.

Lower Insurance Rates with These Tips

Lots of things are used in the calculation when quoting car insurance. Some factors are common sense such as traffic violations, but others are more transparent like your continuous coverage or your financial responsibility.

When to get advice from a local insurance agent

Some consumers would rather sit down with an agent and that is not a bad decision The biggest benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes and also buy local. Buying from neighborhood insurance agencies is definitely important in Scottsdale.

After filling out this quick form, your coverage information is instantly submitted to companies in Scottsdale who will return price quotes for your coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go to the email address you provide. You can find the lowest rates AND a local agent. If you want to compare prices from a particular provider, feel free to jump over to their website to submit a rate quote request.

If you are searching for a good Scottsdale insurance agent, there are a couple of different agency structures and how they can quote your rates. Agents are considered either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Independent agencies can quote rates with many companies and that is an advantage because they can write policies with lots of companies and find you the best rates. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to switch agencies.

If you are comparing insurance prices, it’s recommended you compare prices from a few independent agents for the best price selection. Most also write with companies you’ve never heard of which may have better rates.

The following is a short list of independent agencies in Scottsdale who may be able to give you comparison quotes.

More insurance agents

Exclusive Insurance Agencies

Agents in the exclusive channel can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. They usually cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on their company’s products which helps overcome the inability to quote other rates. Consumers often choose to use an exclusive agent primarily because of loyalty to the company rather than low rates.

The following is a short list of exclusive insurance agencies in Scottsdale willing to provide rate quotes.

More insurance agents

Deciding on an insurance agent shouldn’t rely on just the price. These are some questions your agent should answer.

Affordable insurance rates are out there

Cost effective Mazda CX-9 insurance can be purchased from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not have online price quotes and most of the time these regional carriers only sell coverage through independent agents.

We covered a lot of information how to compare Mazda CX-9 insurance prices in Scottsdale. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding low cost Scottsdale car insurance quotes. You may even discover the best prices are with a smaller regional carrier.

Insureds switch companies for many reasons like high rates after DUI convictions, questionable increases in premium, high prices or even extreme rates for teen drivers. No matter why you want to switch, choosing a new company is easier than you think.

Helpful information