Car Insurance Quotes for a Mazda CX-9 in San Jose

A recent NerdWallet.com study revealed that the majority of drivers renewed their policy with the same company for at least four years, and 38% of drivers have never quoted rates to find lower-cost coverage. San Jose drivers can cut their rates by approximately 35% a year just by comparing rates, but they feel it’s too difficult to go online and compare rates.

Truthfully, the best way to save on Mazda CX-9 insurance in San Jose is to start doing an annual price comparison from providers who provide car insurance in California. Rates can be compared by following these guidelines.

First, read about coverages and the measures you can take to prevent high rates. Many policy risk factors that drive up the price such as accidents, careless driving, and an unacceptable credit history can be rectified by making minor changes in your lifestyle. Later in this article we will cover additional ideas to help find cheaper rates and get bigger discounts that may have been overlooked.

Second, compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can provide prices from many different companies.

Third, compare the new rates to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.

Fourth, provide notification to your current agent or company to cancel your current policy and submit the signed application along with the required initial payment to the new company. Immediately safely store the proof of insurance paperwork in an easily accessible location.

A good tip to remember is to use identical coverage information on each price quote and and to get rates from every insurance company. Doing this ensures a fair rate comparison and the best price selection.

Mazda CX-9 insurance charts and tables

The rate information shown below highlights a range of insurance rates for Mazda CX-9 models. Knowing how insurance prices are established can aid in making decisions on the best policy to buy.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific location which can revise rates substantially.

Physical damage deductibles

A question often asked by San Jose drivers is which deductibles should you choose. The comparisons below illustrate how much more rates are between low and high insurance deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle location which can affect premium rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $33 more each month or $396 a year averaged for all CX-9 models than requesting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have more than 12 months between claims, you would probably be better off by selecting a higher deductible.

Insurance premiums based on gender

The chart below visualizes the comparison of Mazda CX-9 insurance premiums for male and female drivers. The prices are based on no accidents, no driving violations, comp and collision included, $1,000 deductibles, single status, and no discounts are applied.

Price comparison of only insuring for liability

The information below illustrates the difference between Mazda CX-9 insurance rates with full coverage compared to only the California minimum liability coverage. The rates are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no set rule of when to phase out comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s assume your Mazda CX-9 claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the deductible is paid. If premiums are more than $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.

Why Smart Buyers Pay Less for Mazda CX-9 Insurance

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that aid in calculating your policy premiums. If you know what impacts premium levels, this enables informed choices that may reward you with lower insurance prices.

More annual miles equals more premium – The more miles you rack up on your Mazda in a year’s time the more you’ll pay to insure your vehicle. Most companies charge rates determined by how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates than those that get driven frequently. Having the wrong rating on your CX-9 may be costing you. It’s a good idea to make sure your declarations sheet reflects the correct driver usage, because it can save money.

Alarm systems save money – Buying a car with a theft deterrent system can get you a discount on your insurance. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.

High insurance claims frequency drives up prices – Auto insurance companies in California provide cheaper rates to drivers who only file infrequent claims. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for more catastrophic claims.

Deductibles are a factor – Comprehensive and collision coverage deductibles define how much you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered could be rear-ending another vehicle, damage caused by hail, or theft of your vehicle. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.

Choose high crash test ratings and save – Safe vehicles are cheaper to insure. Safe vehicles protect occupants better and fewer serious injuries translates directly to fewer claims which can result in lower premiums. If your Mazda scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Insurance loss data for Mazda CX-9 vehicles – Car insurance companies use statistical claims data when they file their rates in each state. Models that statistically have higher losses will cost more to insure. The next table illustrates the insurance loss data for Mazda CX-9 vehicles.

For each insurance policy coverage type, the claim amount for all vehicles averaged together is represented as 100. Values under 100 imply a favorable loss record, while numbers shown that are more than 100 indicate higher probability of having a loss or statistically larger losses.

The most affordable rates come from being thorough

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, policy cancellation, being labeled a high risk driver and even high rates after DUI convictions. It doesn’t matter what your reason, switching companies can be less work than you think.

We just covered some good ideas how you can shop for Mazda CX-9 insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper San Jose auto insurance quotes. Drivers may even discover the best price on car insurance is with an unexpected company.

Lower-priced car insurance in San Jose is possible from both online companies in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not offer internet price quotes and many times these small, regional companies provide coverage only through independent insurance agencies.

Helpful learning opportunities

• Auto Insurance Learning Center (State Farm)
• Who Has the Cheapest Car Insurance Rates for Nurses in San Jose? (FAQ)
• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Understanding Car Crashes Video (iihs.org)
• How to shop for a safer car (Insurance Institute for Highway Safety)