Who Has Affordable Auto Insurance Quotes for a Mazda CX-7 in San Jose?

Buying the best cheap auto insurance for a Mazda CX-7 depends on a complicated formula that considers factors such as how safe your vehicle is, your credit rating, and your policy deductibles. Drivers in California pay around $1,595 per year to insure their CX-7, but that cost is an estimation calculated using a 30-year-old single male driver with full physical damage coverage and $250 deductibles.

But there is a high likelihood that you are not 30 years old and maybe not even male, possibly married instead of single, or maybe you have a teenager that needs to be on your policy. Even a minor change in the criteria used to calculate rates could end up with a large change in the policy cost.

Not everyone needs the same coverages, so the best method for finding the cheapest insurance price for your Mazda is to do the rate comparisons yourself. In less than five minutes you will get price quotes from top-rated car insurance companies that offer coverage in California.

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Your vehicle’s trim level will be a contributing factor to the insurance rate, so the rate you pay to insure a CX-7 SV 2WD trim level will cost $202 less than the cost to insure the more costly CX-7 Grand Touring 4WD trim level, as demonstrated by the prices below.

Mazda CX-7 Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-7 SV 2WD $390 $576 $578 $34 $174 $1,752 $146
CX-7 Sport 2WD $440 $576 $578 $34 $174 $1,802 $150
CX-7 Touring 2WD $440 $576 $578 $34 $174 $1,802 $150
CX-7 Touring 4WD $440 $678 $578 $34 $174 $1,904 $159
CX-7 Grand Touring 2WD $490 $678 $578 $34 $174 $1,954 $163
CX-7 Grand Touring 4WD $490 $678 $578 $34 $174 $1,954 $163
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in San Jose location which can lower or raise premium rates substantially.

Trying to find affordable car insurance is difficult, and determining which insurers offer the cheapest car insurance rates for a Mazda CX-7 will involve even more perseverance. Every car insurance company uses a slightly different approach to set premium rates, so let’s begin by taking a look at the car insurance companies with the most affordable rates in California.

It’s important that you understand California car insurance rates are calculated based on many things that may substantially change the price of your policy. Taking a driver safety course, buying a home instead of renting, or getting a few speeding tickets may prompt premium changes resulting in some companies being more expensive than competitors.

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,178
4 Nationwide $1,213
5 CSAA $1,234
6 21st Century $1,325
7 Grange $1,447
8 Mercury $1,488
9 Allstate $1,543
10 Progressive $1,558
11 GEICO $1,575
12 Allied $1,588
13 MetLife $1,638
14 The Hartford $1,639
15 Unitrin $1,699
16 Esurance $1,705
17 State Farm $1,733
18 Travelers $1,788
19 Bristol West $1,795
20 Farmers $2,006
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Wawanesa may have some of the best car insurance rates in San Jose at around $1,146 a year. This is $505 less than the average premium paid by California drivers of $1,651. USAA, Century National, Nationwide, and CSAA would also be considered some of the most economical San Jose, CA insurance companies.

In the above rates, if you buy coverage from CSAA and switched to USAA, you might achieve an annual premium reduction of approximately $79. Customers with 21st Century might save as much as $170 a year, and Grange policyholders might reduce rates by $292 a year.

Understand that those premium estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for a Mazda CX-7. So the insurer that has the cheapest price for you may not even be in the list above. That point stresses why you need to get quotes using your own personalized driver profile and vehicle information.

Cautious drivers save money

The common sense way to earn the cheapest car insurance prices in California for a CX-7 is to be a safe driver and not receive tickets or have accidents. The chart below demonstrates how citations and at-fault fender-benders drive up insurance rates for different insured age categories. The data assumes a married female driver, full coverage, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of an auto insurance policy in California per year with no violations or accidents is $2,302. Get written up for two speeding tickets and the average cost hikes up to $3,284, an increase of $982 each year. Then throw in one accident along with the two speeding tickets and the 12-month cost of car insurance for a Mazda CX-7 jumps again to an average of $4,269. That’s an increase of $1,967, or $164 per month, just for not driving responsibly!

Full coverage rates compared to liability only

Saving on car insurance should be important to most drivers, and one easy way to buy cheaper insurance for a Mazda CX-7 is to not insure for full coverage. The example below illustrates the comparison of car insurance rates when comparing full coverage to liability only. Data assumes no claims or driving citations, $500 deductibles, drivers are single, and no discounts are factored in.

Averaged out for all age groups, physical damage insurance costs $2,700 per year more than just buying liability only. At some point, almost every driver questions if it’s worth it to buy full coverage. There is no specific rule to eliminate full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

The information below demonstrates how deductible levels can impact insurance rates when quoting cheap insurance for a Mazda CX-7. The rates are based on a single male driver, comp and collision included, and no other discounts are factored in.

In the chart above, a 30-year-old driver could reduce rates by $504 a year by switching from a $100 deductible up to a $500 deductible, or save $762 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 category, can cut $1,466 every year by choosing a higher deductible. When using a larger deductible, it is a good idea to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.