It’s a known fact that insurance companies don’t want policyholders to shop around. Drivers who compare other rates will most likely switch to a new company because there is a good probability of finding a policy with better rates. Remarkably, a study showed that drivers who regularly compared rates saved over $860 a year as compared to drivers who don’t make a habit of comparing rates.
If finding budget-friendly Mazda CX-7 insurance in Bakersfield is why you’re reading this, then having some insight into how to quote and compare auto insurance can help make the process easier.
To save the most money, the best way to get discount auto insurance rates is to start comparing prices regularly from providers who sell auto insurance in Bakersfield.
Step 1: Read about individual coverages and the steps you can take to keep rates down. Many policy risk factors that cause high rates such as multiple speeding tickets and a less-than-favorable credit history can be improved by paying attention to minor details. Continue reading for additional tips to help prevent costly coverage and find discounts that you may qualify for.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO and State Farm, while independent agents can give you price quotes from many different companies.
Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Bakersfield. If you can save some money and buy the policy, ensure coverage does not lapse between policies.
Step 4: Notify your company or agent of your decision to cancel the current policy and submit the signed application along with the required initial payment for your new coverage. As soon as you have the new policy, keep your new proof of insurance paperwork with the vehicle registration.
The most important part of this process is to try to compare identical limits and deductibles on every quote request and and to get rates from as many auto insurance providers as possible. Doing this ensures the most accurate price comparison and a complete price analysis.
If you are already insured or are looking for a new policy, use these tips to get lower rates and still have adequate protection. Quoting and comparing the most affordable auto insurance policy in Bakersfield is actually quite simple. Drivers just have to use the most efficient way to buy auto insurance over the internet.
Do you qualify for discounts on Mazda CX-7 insurance in Bakersfield?
Car insurance companies don’t necessarily list every discount very clearly, so the following list contains some of the best known in addition to some of the lesser obvious ways to save on insurance.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
- Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount until age 25.
- Professional Organizations – Participating in a professional or civic organization could trigger savings on your bill.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts as much as 30%.
- Claim Free – Good drivers with no accidents pay much less compared to drivers with a long claim history.
It’s important to understand that most of the big mark downs will not be given to the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
The example below illustrates the difference between Mazda CX-7 insurance prices with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, homeowner, multi-policy, and marriage discounts applied.
Auto insurance companies that may offer policyholders some of the above discounts possibly include:
When getting a coverage quote, ask each company or agent which discounts you may be entitled to. A few discounts may not be offered everywhere. If you would like to choose from a list of insurance companies that offer discounts in California, click this link.
The most recommended method to compare car insurance rates for Mazda CX-7 insurance in Bakersfield is to know the trick most of the bigger providers participate in a system to compare rate quotes. The only thing you need to do is give the companies some data including whether or not you need a SR-22, whether you are single or married, how you use your vehicles, and level of coverage desired. That information is sent automatically to all major companies and you will get price comparisons instantly to find the best rate.
To find the cheapest Mazda CX-7 insurance rates, click here and complete the form.
The auto insurance companies shown below are our best choices to provide price comparisons in California. If the list has multiple companies, we recommend you click on several of them in order to find the cheapest rates.
Rates and other information
The rate table displayed below highlights a range of insurance coverage prices for Mazda CX-7 models. Having knowledge of how insurance policy rates are determined can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $162 | $300 | $416 | $24 | $124 | $1,026 | $86 |
| CX-7 Sport 2WD | $184 | $300 | $416 | $24 | $124 | $1,048 | $87 |
| CX-7 Touring 2WD | $184 | $300 | $416 | $24 | $124 | $1,048 | $87 |
| CX-7 Touring 4WD | $184 | $354 | $416 | $24 | $124 | $1,102 | $92 |
| CX-7 Grand Touring 2WD | $204 | $354 | $416 | $24 | $124 | $1,122 | $94 |
| CX-7 Grand Touring 4WD | $204 | $354 | $416 | $24 | $124 | $1,122 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in your specific Bakersfield location which can raise or lower premiums noticeably.
Does it make sense to buy full coverage?
The example below shows the comparison of Mazda CX-7 auto insurance costs with full coverage compared to only the California minimum liability coverage. The rates are based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no specific rule of when to drop comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s assume your Mazda CX-7 replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after the policy deductible has been paid. If it’s costing in excess of $800 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few cases where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
You Can Change Your Insurance Premiums
The best way to find cheaper insurance is to take a look at a few of the rating criteria that are used to determine the rates you pay for insurance. When consumers understand what determines premiums, this empowers consumers to make smart changes that can earn you lower insurance prices.
Does car insurance cost more for males? – Statistics demonstrate that females take fewer risks when driving. That doesn’t necessarily mean that men are worse drivers. Women and men tend to get into at-fault accidents at a similar rate, but the males get into accidents with more damage. Men also tend to have more aggressive citations like reckless driving and DUI.
The diagram below compares Mazda CX-7 premium costs for male and female drivers. The rates are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Performance impacts costs – The make and model of the car, truck or SUV you are insuring makes a substantial difference in determining your rates. The lowest base rates are usually for small economy passenger cars, but your final cost has many other factors.
The chart below assumes a married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Mazda CX-7 rates compared to other models of vehicles that have a range of performance rating factors.
Insurance rates and age – More experienced drivers are viewed as being more responsible, tend to cause fewer accidents, and are generally more financially stable. Drivers with little experience are statistically shown to be less responsible with other occupants in the car so insurance rates are higher.
The following data uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
Good drivers have lower prices – Having just one citation may increase your cost by as much as twenty percent. Good drivers get better prices than people who have multiple driving citations. People who have serious tickets such as reckless driving, hit and run or driving under the influence may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
The information below highlights how traffic violations and fender-benders can impact Mazda CX-7 premium costs for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
Never have insurance lapses – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your insurance expire. Not only will rates go up, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the California department of motor vehicles.
Alarm systems save money – Owning a car with a theft deterrent system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
Being married can save you money – Being married may save some money on insurance. It is viewed as being more mature and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
Car insurance can get complicated
Keep in mind that when it comes to choosing coverage online or from an agent, there is no single plan that fits everyone. You are unique and your policy should reflect that. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.
- Can I afford low physical damage deductibles?
- Does low annual mileage earn a discount?
- Exactly who is provided coverage by my policy?
- Can I make deliveries for my home business?
- How much underlying liability do I need for an umbrella policy?
- What is the difference between personal and commercial auto insurance policies?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is extra glass coverage worth it?
- Do I have coverage if my license is suspended?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.
Buying insurance from Bakersfield car insurance agents
Many people would rather talk to a local agent and that is not a bad decision Good insurance agents can make sure you are properly covered and help you file claims. One of the benefits of comparing rate quotes online is you may find the lowest rates and still choose a local agent. Supporting local agencies is still important in Bakersfield.
To help locate an agent, after submitting this simple form, your insurance coverage information is submitted to participating agents in Bakersfield who will give you bids and help you find cheaper coverage. You won’t need to contact any agents because prices are sent to you instantly. If you wish to get a price quote from a specific company, you can always find their quoting web page and fill out the quote form the provide.
The following is a list of car insurance companies in Bakersfield that may be willing to give rate quotes for Mazda CX-7 insurance in Bakersfield.
- Jim Windes – State Farm Insurance Agent
3512 Coffee Rd d – Bakersfield, CA 93308 – (661) 588-1001 – View Map - Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map - Bill Thomas – State Farm Insurance Agent
8200 Stockdale Hwy Ste M3 – Bakersfield, CA 93311 – (661) 397-1999 – View Map - Dennis Stitt – State Farm Insurance Agent
1811 Oak St Ste 155 – Bakersfield, CA 93301 – (661) 327-6990 – View Map
Finding a good company shouldn’t rely on just a low price. Here are some questions you should ask.
- What insurance companies do they work with in Bakersfield?
- What is the financial rating for the quoted company?
- Do they have 24-hour customer assistance?
- Will the quote change when the policy is issued?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have designations such as AIC, CPCU, or CIC?
Why you need quality insurance for your Mazda CX-7
Despite the high cost, buying car insurance is a good idea for several reasons.
First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Mazda CX-7 has a loan, almost every bank will make it a condition of the loan that you buy full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Mazda at a much higher rate and force you to reimburse them the higher premium.
Third, insurance safeguards both your assets and your Mazda CX-7. It will also provide coverage for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage also covers legal expenses if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of insuring your car definitely exceed the cost, especially when you need to use it. Today the average American driver is currently overpaying as much as $820 a year so it’s very important to do a rate comparison every year to make sure the price is not too high.
A little work can save a LOT of money
Cheaper auto insurance in Bakersfield is available both online in addition to local insurance agencies, so get free Bakersfield auto insurance quotes from both of them to have the best rate selection. Some companies do not provide online price quotes and these regional insurance providers only sell coverage through independent agents.
You just read a lot of tips how to lower your Mazda CX-7 insurance prices in Bakersfield. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.
Other resources
- Comprehensive Coverage (Liberty Mutual)
- Who Has the Cheapest Bakersfield Auto Insurance for a Dodge Ram? (FAQ)
- Who Has the Cheapest Bakersfield Car Insurance Rates for Teenagers? (FAQ)
- How Much is Bakersfield Auto Insurance for Infrequent Drivers? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)
- Safety Tips for Teen Drivers (Insurance Information Institute)