Finding economical coverage for a Mazda CX-7 in Ohio depends on a large number of rating criteria such as annual vehicle mileage, your geographic location, and blemishes on your driving record. Drivers in Ohio will pay around $718 annually for CX-7 insurance, but that price is using a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
There is a good probability you are not 50 and maybe not even a female, you might be married instead of single, or maybe you want different physical damage deductibles. This demonstrates why the way we recommend to find affordable rates for your Mazda is to just compare rates yourself. Rate quotes are easy and you will be able to see rates from top-rated car insurance companies that insure vehicles in Ohio.
Vehicle trim level will influence the insurance rate, so the rate you will pay to insure a CX-7 SV 2WD trim level will be $92 less than the price to insure the more costly CX-7 Grand Touring 4WD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CX-7 SV 2WD||$150||$290||$256||$16||$76||$788||$66|
|CX-7 Sport 2WD||$170||$290||$256||$16||$76||$808||$67|
|CX-7 Touring 2WD||$170||$290||$256||$16||$76||$808||$67|
|CX-7 Touring 4WD||$170||$342||$256||$16||$76||$860||$72|
|CX-7 Grand Touring 2WD||$190||$342||$256||$16||$76||$880||$73|
|CX-7 Grand Touring 4WD||$190||$342||$256||$16||$76||$880||$73|
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can increase or decrease prices significantly.
Deciding which company has the cheapest car insurance rates for a Mazda CX-7 involves a tad more effort than just quoting one company's rates.
Each auto insurer has a proprietary method for filing rates in each state, so to begin we'll rank the most budget-friendly car insurance companies in Ohio. It's important that you understand Columbus car insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Improving your credit score, moving to a new city, or getting a DUI can trigger rate changes resulting in some rates now being much cheaper than others.
Find the Best Cheap Insurance for Your CX-7
|Rank||Company||Cost Per Year|
|8||Merchants Insurance Group||$771|
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Utica National may offer some of the cheapest car insurance rates in Columbus at around $654 a year. This is $386 less than the average premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers also rank well as some of the most economical Columbus, OH insurance companies.
As the rates illustrate above, if you are a policyholder with Frankenmuth and switched to Utica National, you could realize annual savings of around $33. Customers with Allied could save as much as $36 a year, and Travelers customers might reduce rates by $51 a year.
To find out how much you can save, click here to start your free quote or quote rates from the companies below.
Bear in mind that those premium estimates are averages for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for a Mazda CX-7. So the company that can offer you the best rate may not even be in the top 33 companies in the list above. That underscores the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.
The diagram below illustrates how your choice of deductibles can increase or decrease insurance rates when quoting cheap insurance for a Mazda CX-7. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could cut expenses by $196 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $298 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, could potentially save as much as $648 annually by using a higher deductible. If you do decide to increase your deductibles, it will be required to have enough savings to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Full coverage rates compared to liability-only
Buying cheaper car insurance is the goal of the majority of people, and one common way to pay lower rates for insurance for a Mazda CX-7 is to not pay for full coverage. The example below shows the comparison of insurance costs with liability coverage only compared to full coverage. The prices are based on no tickets, no at-fault accidents, $500 deductibles, single status, and no discounts are applied to the premium.
If averaged for all ages, physical damage coverage costs $1,376 per year more than insuring for liability only. At some point, almost every driver questions if buying full coverage is worth the money. There is no exact formula that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.
There are a few cases where dropping full coverage is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Get discount Columbus insurance rates
Car insurance companies that provide coverage for a Mazda CX-7 may provide price discounts that may potentially lower prices by as much as 35% if you are eligible for them. A list of car insurance companies and their offered discounts are shown below.
- GEICO has savings for federal employee, anti-lock brakes, seat belt use, defensive driver, anti-theft, and multi-vehicle.
- MetLife policyholders can earn discounts including good driver, claim-free, defensive driver, multi-policy, good student, and accident-free.
- Progressive offers discounts for multi-policy, online signing, continuous coverage, good student, homeowner, and online quote discount.
- Travelers may include discounts for home ownership, IntelliDrive, driver training, save driver, continuous insurance, early quote, and multi-car.
- SAFECO discounts include teen safe driver, teen safety rewards, safe driver, anti-theft, accident prevention training, multi-car, and homeowner.
- AAA offers premium reductions for multi-policy, good student, good driver, pay-in-full, anti-theft, education and occupation, and multi-car.
The illustration below shows the comparison of car insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, marriage, passive restraint, multiple vehicle, claim-free, and homeowner discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Mazda CX-7 is 28% or $426.
If you wish to have a professional recommendation when comparing insurance rates for a Mazda CX-7, the agents shown below can most likely help you decide which auto insurance policy fits you best.
To find a Columbus insurance agency closest to you, click the link after the list or click here to compare price quotes.
- Central Ohio Insurance Services, Inc
1205 Hill Rd N - Pickerington, OH 43147 - (614) 861-3100
- State Farm: Matt Simonds
2986 N High St - Columbus, OH 43202 - (614) 262-6700
- Ray Cook - State Farm Insurance Agent
7846 Olentangy River Rd - Columbus, OH 43235 - (614) 846-2886
- Jerry Doherty - State Farm Insurance Agent
21 W Broad St #100 - Columbus, OH 43215 - (614) 461-7833
- Gary Bepler - State Farm Insurance Agent
3246 Noe Bixby Rd - Columbus, OH 43232 - (614) 837-4379