2011 Mazda CX-9 Insurance Rates in 2024 – 9 Policy Discounts

Looking for the cheapest car insurance rates for your Mazda CX-9? Finding the cheapest insurance for a new or used Mazda CX-9 can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to shop for car insurance and we’ll show you the proper way to price shop coverage for a new or used Mazda and locate the lowest price either online or from local insurance agents.

It’s a good idea to compare premium rates yearly since prices trend upward over time. If you had the best deal for CX-9 coverage two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest way to properly buy coverages while reducing your premium.

Don’t miss with these nine discounts

Auto insurance companies don’t list their entire list of discounts very clearly, so we researched both well-publicized and also the more inconspicuous discounts that you may qualify for. If they aren’t giving you every credit you deserve, you may be paying too high a price.

• Good Student – Maintaining excellent grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Anti-theft System – Cars equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
• Online Discount – Some of the larger companies will provide an incentive shop auto insurance on their website.
• Own a Home and Save – Owning your own home or condo can get you a discount because of the fact that having a home demonstrates responsibility.
• Accident-Free Discounts – Drivers who don’t have accidents can save substantially in comparison to insureds who have frequent claims or accidents.
• Senior Citizen Discount – If you’re over the age of 55, you can get a discount up to 10% for CX-9 coverage.
• Braking Control Discount – Cars and trucks that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
• Discount for Life Insurance – Larger companies have a discount if you purchase life insurance from them.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with better premium rates on cars that stay parked.

You should keep in mind that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, you aren’t that lucky.

Large insurance companies and the discounts they provide are detailed below.

• GEICO offers discounts including good student, five-year accident-free, defensive driver, seat belt use, membership and employees, and emergency military deployment.
• SAFECO has savings for accident prevention training, anti-lock brakes, teen safe driver, teen safety rewards, anti-theft, drive less, and multi-car.
• State Farm has discounts for driver’s education, multiple autos, student away at school, Steer Clear safe driver discount, good driver, and defensive driving training.
• MetLife may have discounts that include accident-free, good driver, multi-policy, claim-free, defensive driver, and good student.
• 21st Century offers premium reductions for defensive driver, air bags, student driver, driver training, theft prevention, anti-lock brakes, and early bird.
• Progressive includes discounts for homeowner, continuous coverage, online signing, online quote discount, multi-policy, and good student.

Before you buy a policy, ask every insurance company which discounts can lower your rates. A few discounts might not be offered on policies in your area. To view insurance companies that offer many of these discounts, enter your zip code here.

Your situation helps dictate your coverage

When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

• Does insurance cover tools stolen from my truck?
• What is the ISO rating for a 2011 Mazda CX-9?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I have coverage when making deliveries for my home business?
• Where can I find high-risk insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out your zip code. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Learning about specific coverages of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Mazda CX-9.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liability limits.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as doctor visits, hospital visits, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, falling objects, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for liability – Liability insurance can cover injuries or damage you cause to people or other property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, bail bonds, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Final considerations

Lower-priced 2011 Mazda CX-9 insurance can be found from both online companies as well as from insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some insurance coverage companies do not offer online price quotes and most of the time these small, regional companies prefer to sell through independent agents.

Drivers change insurance companies for a variety of reasons including delays in paying claims, policy cancellation, high rates after DUI convictions and policy non-renewal. No matter why you want to switch, choosing a new company is actually quite simple.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your goal is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.