How long has it been since you shopped around for more affordable Mazda CX-9 insurance in Seattle? Are you irritated from not being able to scrape enough together to pay insurance each month? You are in the same boat as many other Washington drivers.
Unbelievably, a large majority of drivers kept their coverage with the same insurance company for well over three years, and practically 40% of insurance customers have never compared rates to find lower-cost insurance. Most drivers in Washington can save $427 each year just by getting comparison quotes, but they underestimate the big savings they would realize if they switched.
Due to the increasing number of insurance companies to choose from, it can be impossible to find the most cost effective insurer.
It’s smart to compare rates at least once a year because insurance prices trend upward over time. Just because you found the best rate on Mazda CX-9 insurance in Seattle at your last renewal there may be better deals available now. Block out anything you think you know about insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.
Locating the most cost-effective insurance policy in Seattle can really be easy if you know what you’re doing. If you have insurance now, you will surely be able to buy cheaper insurance using the concepts covered in this article. But Washington consumers need to have an understanding of the way insurance companies calculate their prices and use it to your advantage.
It’s important to know that quoting more will increase your chances of finding more affordable rates.
The companies shown below provide comparison quotes in Seattle, WA. If multiple companies are shown, it’s highly recommended you get rate quotes from several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CX-9 Sport 2WD||$136||$248||$334||$20||$100||$838||$70|
|CX-9 Grand Touring 2WD||$232||$448||$398||$24||$120||$1,222||$102|
|CX-9 Sport AWD||$144||$262||$304||$18||$90||$818||$68|
|CX-9 Touring 2WD||$154||$278||$300||$18||$90||$840||$70|
|CX-9 Touring AWD||$238||$364||$386||$22||$116||$1,126||$94|
|CX-9 Grand Touring AWD||$318||$556||$398||$24||$120||$1,416||$118|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in Seattle location which can modify coverage rates noticeably.
Careless Seattle drivers pay higher rates
The chart below illustrates how speeding tickets and accident claims can impact Mazda CX-9 insurance costs for different age groups. The rates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.
Do you qualify for these five discounts?
Companies that sell car insurance don’t always advertise all possible discounts very clearly, so the next list breaks down a few of the more well known and the harder-to-find credits that you can use to lower your rates.
- Life Insurance Discount – If the company offers life insurance, you could get lower prices if you buy auto and life insurance together.
- Low Mileage Discounts – Fewer annual miles on your Mazda may enable drivers to earn lower rates due to less chance of an accident.
- Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Auto/Home Discount – If you have multiple policies with the same insurance company you could save as much as 10 to 15 percent.
- Sign Early and Save – Some insurance companies provide a discount for switching policies prior to the expiration date on your current CX-9 insurance policy. You could save around 10% when you buy Seattle car insurance online.
As a sidenote, most discount credits are not given to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
To see companies who offer cheap Mazda CX-9 insurance quotes in Seattle in Washington, click this link.
Why you need to buy car insurance
Despite the high cost of buying insurance for a Mazda CX-9 in Seattle, maintaining insurance is a good idea for several reasons.
First, almost all states have minimum mandated liability insurance limits which means state laws require a specific level of liability insurance if you want to drive legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Mazda CX-9 has a loan, it’s most likely the lender will have a requirement that you have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the lender may have to buy a policy to insure your Mazda for a lot more money and force you to reimburse them the higher price.
Third, insurance safeguards not only your vehicle but also your assets. It will also provide coverage for most medical and hospital costs that are the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If your Mazda gets damaged, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. But the average American driver is currently overpaying as much as $855 a year so it’s recommended you shop around each time the policy renews to save money.
Can’t I compare rate quotes from local Seattle insurance agencies?
A small number of people just want to sit down and talk to an agent and often times that is recommended An additional benefit of comparing insurance online is the fact that you can find the lowest rates and still have a local agent.
Upon completion of this short form, the coverage information gets sent to agents in your area that give free quotes for your insurance coverage. You won’t need to find an agent since price quotes are sent to you. You can find the lowest rates and a licensed agent to work with. If you need to compare rates from a specific insurance company, you can always jump over to their website to submit a rate quote request.
Picking the best insurer should depend on more than just a cheap price. Any agent in Seattle should be forthright in answering these questions:
- Does the company have a local claim office in Seattle?
- How many years have they been established?
- Are they able to provide referrals?
- Do they offer accident forgiveness?
- Are they actively involved in the community?
- Does the company have a solid financial rating?
Upon receiving satisfactory answers to any questions you may have as well as a affordable price, most likely you have located a company that is reliable enough to properly insure your vehicles.
The coverage is in the details
Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.
Coverage for liability – This will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/10 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against things like court costs, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible. Washington requires minimum liability limits of 25/50/10 but you should think about purchasing more coverage.
Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda CX-9.
Since many Washington drivers only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Collision – This coverage covers damage to your CX-9 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible on your CX-9 to get cheaper collision coverage.
Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, hospital visits and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, theft and fire damage. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.