Has it been over a year since you last compared quotes for the cheapest Mazda CX-9 insurance in Albuquerque? Saving money on Mazda CX-9 insurance in Albuquerque might be kind of frustrating for drivers not familiar with comparing rates online. People have so many options that it can quickly become a real challenge to find the best price in New Mexico on Mazda CX-9 insurance.
Remarkably, a study showed that about 70% of customers kept their policy with the same company for a minimum of four years, and just under half have never taken the time to shop around. With the average premium in New Mexico being $1,244, drivers could save themselves approximately 40% a year just by getting comparison quotes, but they just assume it takes a lot of time to save money by comparing rate quotes.
Smart consumers take time to get comparison quotes once or twice a year since rates fluctuate regularly. Just because you had the best premium rates on Mazda CX-9 insurance in Albuquerque on your last policy you can probably find a better price now. You can find a lot of misleading information regarding CX-9 insurance online, but in a few minutes you can learn some good information on how to save money.
If you currently have a car insurance policy, you will definitely be able to reduce premiums using the ideas covered in this article. This information will help you learn how auto insurance companies operate. Nevertheless, New Mexico car owners must learn the way companies determine what you pay.
How You Can Control Mazda CX-9 Insurance Premiums
It’s important that you understand a few of the rating criteria that come into play when calculating your insurance rates. When you understand what influences your rates, this empowers consumers to make smart changes that could result in much lower annual insurance costs.
The itemized list below are a partial list of the pieces that factor into premiums.
- Marriage discount – Having a significant other can actually save you money on insurance. Marriage demonstrates that you tend to be less irresponsible and statistics prove married drivers tend to have fewer serious accidents.
- Insurance rates in urban areas – Residing in less populated areas is a positive aspect when it comes to insurance. Fewer drivers and short commutes means reduced accidents in addition to lower liability claims. City drivers have much more traffic and much longer commute distances. More time behind the wheel means a statistically higher chance of an accident.
- Less chance of injury means lower prices – Safe vehicles cost less to insure. Vehicles engineered for safety protect occupants better and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you. If your Mazda CX-9 has at least four stars on Safercar.gov it is probably cheaper to insure.
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Tickets and citations cost more than a fine – Careful drivers have lower premiums compared to bad drivers. Having a single speeding ticket or other violation may cause rates to rise twenty percent or more. Drivers who get multiple violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
The illustration below highlights how speeding tickets and at-fault accidents impact Mazda CX-9 yearly insurance costs for different ages of insureds. The rates are based on a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
- Eliminate incidental coverages – There are a ton of extra bells and whistles that you can buy if you aren’t diligent. Coverage for things like roadside assistance, accidental death, and additional equipment coverage could be just wasting money. These coverages may sound good initially, but if you’ve never needed them in the past consider taking them off your policy.
- File claims and pay more – If you frequently file small claims, you can pretty much guarantee higher rates. Companies in New Mexico generally give the lowest premiums to policyholders that do not abuse their auto insurance. Your insurance policy is intended for claims that you cannot pay yourself.
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Gender and auto insurance premiums – Over time, data shows that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. Men and women have at-fault accidents at a similar rate, but the males tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations such as reckless driving. Youthful male drivers have the highest risk to insure so it costs more to insure them.
The illustration below illustrates the difference between Mazda CX-9 premium costs for male and female drivers. The premium estimates are based on no claims or driving violations, full coverage, $250 deductibles, single status, and no discounts are taken into consideration.
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More performance means higher costs – The performance level of the vehicle you drive makes a significant difference in your car insurance bill. The lowest base rates are for lower performance four cylinder passenger vehicles, but there are many factors that impact the final cost.
The data below is based on a single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It shows Mazda CX-9 car insurance rates compared to other makes and models that have different performances.
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Mazda CX-9 historical loss data – Insurance companies study historical loss data to calculate a price that will offset losses. Models that the data determines to have higher prevalence or dollar amount of losses will have a higher premium rate. The table shown below demonstrates the historical loss data for Mazda CX-9 vehicles.
For each type of coverage, the claim amount for all vehicles averaged together is considered to be 100. Numbers under 100 are indicative of better than average losses, while numbers shown that are more than 100 point to more claims or a tendency for claims to be larger.
Insurance Loss Ratings for Mazda CX-9 Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Mazda CX-9 4dr 2WD 87 108 74 87 95 89 Mazda CX-9 4dr 4WD 89 109 92 80 76 77 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Analysis of Mazda CX-9 rates
The premium information displayed next outlines a range of insurance premium costs for Mazda CX-9 models. Learning as much as possible about how policy premiums are determined can help guide drivers when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $178 | $288 | $310 | $18 | $92 | $886 | $74 |
| CX-9 Grand Touring 2WD | $178 | $338 | $310 | $18 | $92 | $936 | $78 |
| CX-9 Sport AWD | $178 | $338 | $310 | $18 | $92 | $936 | $78 |
| CX-9 Touring 2WD | $178 | $338 | $310 | $18 | $92 | $936 | $78 |
| CX-9 Touring AWD | $178 | $338 | $310 | $18 | $92 | $936 | $78 |
| CX-9 Grand Touring AWD | $198 | $338 | $310 | $18 | $92 | $956 | $80 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Mexico minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific Albuquerque garaging location which can modify premium rates noticeably.
The chart below illustrates how your deductible choice and can influence Mazda CX-9 annual premium costs for each different age category. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Don’t overlook these Mazda CX-9 insurance discounts
Companies offering auto insurance don’t always list every possible discount very clearly, so the following list contains some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.
- Switch and Save Discount – Select companies give a discount for switching policies prior to the expiration date on your current CX-9 insurance policy. This can save 10% or more.
- Good Students Pay Less – This discount could provide a savings of up to 20% or more. This discount can apply up to age 25.
- Full Payment Discount – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- Military Discounts – Having a family member in the military can result in better premium rates.
- Life Insurance – Not all companies offer life insurance, but some may give you a discounted rate on car insurance if you buy a life insurance policy as well.
- Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Discount for Home Ownership – Simply owning a home can earn you a little savings because of the fact that having a home demonstrates responsibility.
- Low Mileage – Keeping the miles down on your Mazda can earn lower rates due to less chance of an accident.
- Defensive Driving Course – Taking time to complete a class that teaches defensive driving techniques could cut 5% off your bill depending on where you live.
It’s important to note that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think you can get free auto insurance, companies don’t profit that way. But all discounts will lower the amount you have to pay.
The information below illustrates the comparison of Mazda CX-9 insurance costs with and without policy discounts. The data assumes a male driver, a clean driving record, no claims, New Mexico state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, multi-car, and claim-free discounts applied.
To choose companies that offer the discounts shown above in New Mexico, click this link.
Ratings for Albuquerque car insurance companies
Insuring your vehicle with a high-quality auto insurance company can be challenging considering how many companies sell coverage in Albuquerque. The rank data below can help you decide which auto insurers you want to consider purchasing a policy from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies
In Summary
Throughout this article, we presented a lot of tips how to find cheaper Mazda CX-9 insurance in Albuquerque. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from an unexpected company.
Drivers change insurance companies for any number of reasons including lack of trust in their agent, questionable increases in premium, high rates after DUI convictions or delays in paying claims. It doesn’t matter what your reason, finding a new company is easier than you think.
Lower-priced auto insurance in Albuquerque can be found both online and with local Albuquerque insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers may not have the ability to get a quote online and many times these small, regional companies work with independent agencies.
Steps to buying affordable Mazda CX-9 insurance in Albuquerque
The best way we recommend to find low-cost auto insurance rates is to make a habit of regularly comparing prices from different companies in Albuquerque.
- Step 1: Learn about how companies set rates and the measures you can take to keep rates low. Many rating factors that are responsible for high rates like at-fault accidents, speeding tickets, and a less-than-favorable credit score can be controlled by making small lifestyle or driving habit changes.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from many different companies.
- Step 3: Compare the price quotes to your current policy premium and see if you can save money. If you find better rates and change companies, ensure there is no coverage lapse between policies.
- Step 4: Provide notification to your current agent or company to cancel your existing policy. Submit a down payment along with a completed application to the new insurer. As soon as coverage is bound, keep the new proof of insurance certificate in an easily accessible location.
An essential thing to point out is to try to use the same amount of coverage on every quote and and to get rate quotes from as many auto insurance providers as possible. This enables an apples-to-apples comparison and many rates to choose from.
For more information, take a look at the following helpful articles:
- Collision Insurance Coverage (Nationwide)
- Who Has Cheap Auto Insurance for a Toyota RAV4 in Albuquerque? (FAQ)
- How Much are Auto Insurance Rates for 19 Year Olds in Albuquerque? (FAQ)
- Who Has Cheap Albuquerque Auto Insurance Rates for Drivers with Accidents? (FAQ)
- How Much is Car Insurance for Low Mileage Drivers in Albuquerque? (FAQ)
- How Much is Albuquerque Car Insurance for Real Estate Agents? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Collision Coverage (Liberty Mutual)
- How do I File a Claim? (Insurance Information Institute)