Who Has Affordable Car Insurance for a Mazda CX-7 in Durham?

Buying the cheapest coverage for a Mazda CX-7 in North Carolina is normally pretty easy, but it hinges on an enormous amount of factors such as how you use your CX-7, if you have a tendency to file claims, and any prior driving citations you have received. Drivers will pay around $755 annually for CX-7 insurance, but that amount is an estimation based on a 30-year-old single female driver with full coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 30 and maybe not even a female, possibly married instead of single, or maybe you prefer higher deductibles. Everyone has unique insurance needs, and this illustrates why the best way to find the cheapest coverage for your Mazda is to compare as many rates as possible.

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The specific model of CX-7 tends to have a direct impact on the yearly cost, so the price to insure a CX-7 SV 2WD model will be $80 less than the price to insure the more costly CX-7 Grand Touring 4WD model, as shown below.

Mazda CX-7 Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $132 $250 $336 $20 $100 $838 $70
CX-7 Sport 2WD $148 $250 $336 $20 $100 $854 $71
CX-7 Touring 2WD $148 $250 $336 $20 $100 $854 $71
CX-7 Touring 4WD $148 $296 $336 $20 $100 $900 $75
CX-7 Grand Touring 2WD $166 $296 $336 $20 $100 $918 $77
CX-7 Grand Touring 4WD $166 $296 $336 $20 $100 $918 $77
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can lower or raise insurance rates substantially.

Picking the right insurance provider is hard considering how many different companies insure vehicles in Durham. The information below may help you analyze which car insurance providers you want to consider putting your business with.

The ratings below only include large, nationwide insurance companies, so companies that focus mainly on North Carolina business are not included in the list. If you’d like to compare prices and find cheaper insurance for a Mazda CX-7, click here.

Top 15 Insurance Companies for a Mazda CX-7 in Durham, NC
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

Irresponsible driving raises your rates

In a perfect world, the ideal way to snag the cheapest insurance prices in North Carolina for a CX-7 is to be a safe driver and have a clean driving record. The example below illustrates how traffic citations and at-fault claims can impact yearly insurance costs for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

In the chart above, the average cost of car insurance in North Carolina per year with no accidents or violations is $1,215. Factor in two speeding tickets and the average cost swells to $1,669, an increase of $454 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of insurance for a Mazda CX-7 goes up to an average of $3,415. That’s an increase of $2,200, or $183 per month, just for being a careless driver!

Liability rates compared to full coverage

Buying cheaper insurance is probably important to most people, and one great way to reduce the cost of insurance for a Mazda CX-7 is to not insure for full coverage. The diagram below compares insurance rates with and without physical damage coverage. The costs are based on no claims or violations, $500 deductibles, drivers are not married, and no discounts are applied.

As an average for all age groups, full coverage on your policy costs $1,507 per year over and above liability only. Many people question if buying full coverage is worth the money. There is no set guideline for dropping comp and collision coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

Ideas for buying the cheapest insurance for a Mazda CX-7

The list below details some thrifty solutions that can help drivers locate cheaper coverage.

That last tip is particularly crucial, as was affirmed in the prior article. Prices charged by auto insurers can be modified anytime, so drivers shouldn’t hesitate to change to a new company if a cheaper price is available. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that inflexibility results in costing you lots of hard earned cash every month. It takes less than five minutes to compare prices to find cheaper car insurance for a Mazda CX-7 in Durham.

The insurance agents in Durham listed below can help you make a decision which coverages are best, since some drivers aren’t sure which coverage they need and prefer to get some guidance when shopping for cheaper insurance for a Mazda CX-7. It can be challenging to find the cheapest auto insurance company, so agents can provide you satisfaction knowing you have adequate protection in the event of a claim. To find a Durham insurance agent nearest to you, click the button below the list.

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