Unbelievable but true, nearly 70% of customers kept their policy with the same company for over three years, and nearly half have never compared quotes from other companies. California drivers could save themselves about 35% a year just by getting comparison quotes, but most just don’t grasp how much they could save if they just switched companies.
If saving the most money is your goal, then the best way to get budget Mazda CX-7 insurance is to start comparing prices yearly from different companies in San Jose. Rate comparisons can be done by following these guidelines.
- Spend a few minutes and learn about coverages and the modifications you can make to prevent rate increases. Many risk factors that cause rate increases like speeding and a less-than-favorable credit history can be rectified by improving your driving habits or financial responsibility. Keep reading for ideas to lower rates and find possible discounts that are available.
- Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while agents who are independent can quote rates from multiple insurance companies. Get quotes now
- Compare the quotes to the price on your current policy to see if cheaper CX-7 coverage is available in San Jose. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
A crucial key to this process is to try to use identical deductibles and limits on every quote request and to quote with every insurance company. Doing this provides the most accurate price comparison and plenty of rates choose from.
When shopping for Mazda CX-7 insurance in San Jose there are multiple ways to compare prices from different San Jose insurance companies. The best method to find the cheapest Mazda CX-7 insurance rates is to perform an online rate comparison.
Getting free quotes online is quite simple, and it takes the place of having to physically go to and from local San Jose insurance agencies. Comparing Mazda CX-7 insurance rate quotes online eliminates this option unless you have a complicated situation and need the extra assistance that you can only get from talking to an agent. Drivers can get the lowest quotes online but buy the policy through an agent. When price shopping your coverage, comparing more prices helps improve the odds of finding the best rates.
The following companies can provide comparison quotes in California. If multiple companies are shown, we suggest you visit two to three different companies to find the lowest car insurance rates.
Car insurance discounts are available to lower rates
Auto insurance companies don’t always advertise their entire list of discounts in an easy-to-find place, so the list below details a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy San Jose car insurance online.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
- Good Driver Discounts – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
- Discount for Life Insurance – Select insurance companies reward you with a small discount if you purchase some life insurance in addition to your auto policy.
- Accident Waiver – This isn’t a discount exactly, but certain companies will let one accident slide before they charge you more for coverage so long as you are claim-free for a specific time period.
- Student Discount for Driver Training – Cut your cost by having your teen driver complete a driver education course as it can save substantially.
- Switch and Save Discount – Some insurance companies reward drivers for buying a policy prior to your current CX-7 insurance policy expiring. This discount can save up to 10%.
- Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. You can use this discount normally up to age 25.
- Telematics Data – San Jose drivers who agree to allow their insurance company to spy on driving patterns remotely such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease as long as the data is positive.
- Low Miles Discount – Low annual miles could be rewarded with substantially lower rates.
It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky.
The information below illustrates the difference between Mazda CX-7 insurance prices with and without discounts applied to the premium. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, homeowner, multi-car, and multi-policy discounts applied.
Popular car insurance companies and some of their more popular discounts can be found below.
- American Family offers discounts including good driver, air bags, accident-free, good student, TimeAway discount, and multi-vehicle.
- State Farm policyholders can earn discounts including passive restraint, Steer Clear safe driver discount, safe vehicle, anti-theft, accident-free, and multiple autos.
- 21st Century may have discounts that include automatic seat belts, defensive driver, theft prevention, 55 and older, teen driver, student driver, and early bird.
- Travelers offers premium reductions for new car, IntelliDrive, student away at school, driver training, continuous insurance, payment discounts, and home ownership.
- GEICO may include discounts for military active duty, membership and employees, daytime running lights, good student, multi-vehicle, five-year accident-free, and anti-theft.
If you want low cost San Jose car insurance quotes, ask every insurance company what discounts are available to you. Some credits may not apply to policyholders in San Jose. To locate insurers that offer the discounts shown above in California, click here.
Rates and information analytics
The rate table displayed next outlines a range of insurance rates for Mazda CX-7 models. Learning more about how car insurance premiums are formulated is important for drivers to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $252 | $426 | $456 | $26 | $136 | $1,296 | $108 |
| CX-7 Sport 2WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| CX-7 Touring 2WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| CX-7 Touring 4WD | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
| CX-7 Grand Touring 2WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
| CX-7 Grand Touring 4WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in garaging location in San Jose which can lower or raise auto insurance rates noticeably.
Policy deductible comparison
One frequently asked question is which comprehensive and collision deductibles to buy. The figures shown below determine the premium difference between low and high comp and collision deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| CX-7 Sport 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| CX-7 Touring 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| CX-7 Touring 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CX-7 Grand Touring 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| CX-7 Grand Touring 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| CX-7 Sport 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| CX-7 Touring 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| CX-7 Touring 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| CX-7 Grand Touring 2WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| CX-7 Grand Touring 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific garaging location which can impact coverage prices greatly.
Based on this data, using a $250 deductible will cost you approximately $34 more each month or $408 each year than selecting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 22 months between claim filings, you would save more money if you opt for a higher deductible.
The diagram below illustrates how your deductible choice and can impact Mazda CX-7 yearly insurance costs for each age group. The costs are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Full coverage or liability only
The chart below illustrates the comparison of Mazda CX-7 car insurance costs with and without physical damage coverage. The data assumes no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no written rule to drop comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Mazda CX-7 book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are paying over $500 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some cases where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Smart Buyers Save More
The best way to find cheaper car insurance is to take a look at some of the elements that aid in calculating your premiums. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that can help you get lower rates.
Liability insurance preserves assets – Your policy’s liability coverage will afford coverage in the event that you are found liable for damages from an accident. It will provide legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Get better premiums if you’re married – Having a spouse can actually save you money on your car insurance policy. Having a significant other translates into being more financially stable it has been statistically shown that married drivers tend to file fewer claims.
Save money by having multiple policies – The majority of car insurance companies apply discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to help guarantee you have the best rates.
High credit scores save money – Credit rating can be a huge factor in determining what you pay for car insurance. If your credit rating could use some work, you could save money insuring your Mazda CX-7 by spending a little time repairing your credit. People that have good credit tend to be better risks to insure as compared to drivers with lower credit ratings.
Do thieves like your car? – Selecting a car model with a theft deterrent system can save you some money. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
Compare rate quotes but buy from a neighborhood San Jose auto insurance agent
A small number of people would rather get professional advice from a licensed agent and often times that is recommended An additional benefit of price shopping on the web is that drivers can save money and get cheaper rates but still work with a licensed agent.
To make it easy to find an agent, after completing this quick form, the quote information is transmitted to agents in your area that can provide free San Jose car insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent because prices are sent to your email. It’s the lowest rates without the usual hassles of price shopping. If you want to quote rates from a specific insurance provider, you just need to visit that company’s website and give them your coverage information.
Picking a insurance company shouldn’t rely on just a low price. These are some questions your agent should answer.
- Can glass claims be handled at your home?
- How often do they review policy coverages?
- If your car is totaled, how to they determine the replacement cost?
- Does their agency support local causes in San Jose?
- Are they full-time agents?
- Do they offer accident forgiveness?
If you are wanting to find a reliable agent, there are a couple of different agency structures and how they operate. Insurance policy providers are categorized either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide one company’s prices and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.
Listed below are exclusive agents in San Jose that are able to give rate quotes.
GEICO Insurance Agent
2195 Monterey Rd #20 – San Jose, CA 95125 – (408) 286-4342 – View Map
Farmers Insurance – Roger Nguyen
478 E Santa Clara St #216 – San Jose, CA 95112 – (408) 293-7250 – View Map
Mike Murillo – State Farm Insurance Agent
1449 Park Ave #3 – San Jose, CA 95126 – (408) 295-0554 – View Map
Independent Insurance Agents
These agents do not sell for just one brand and that enables them to quote your coverage with any number of different companies and find the cheapest insurance rates. If your premiums go up, your agent can switch companies which makes it simple for you.
If you are trying to find cheaper rates, we recommend you include price quotes from several independent agencies to maximize your price options.
Shown below are independent agents in San Jose that can give you comparison quotes.
Donald Browne Insurance Services
330 W Hedding St #207 – San Jose, CA 95110 – (408) 292-4329 – View Map
All Solutions Insurance – San Jose
574 Blossom Hill Rd – San Jose, CA 95123 – (408) 225-4300 – View Map
All Spectrum Insurance Brokers
4010 Moorpark Ave #117 – San Jose, CA 95117 – (408) 604-0092 – View Map
Compare rates regularly to save
Budget-friendly car insurance in San Jose is attainable online as well as from insurance agents, and you need to price shop both to have the best selection. Some car insurance companies don’t offer price quotes online and many times these smaller providers prefer to sell through independent insurance agents.
As you restructure your insurance plan, do not reduce coverage to reduce premium. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best price while still protecting your assets.
Additional car insurance information can be found below:
- What is a Telematics Device? (Allstate)
- Who Has Affordable San Jose Auto Insurance Quotes for Postal Workers? (FAQ)
- How Much is San Jose Auto Insurance for First-time Drivers? (FAQ)
- Who Has Cheap San Jose Car Insurance Quotes for Electric Cars? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Booster Seat Ratings (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)