How long has it been since the last time you looked for lower-priced auto insurance rates in Fort Worth, TX? Fort Worth shoppers have many options when shopping for the best price on Mazda CX-7 insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to compare rates.
There is a better way to compare auto insurance rates and we’ll show you the best way to price shop coverage on a Mazda and obtain the cheapest rates from Fort Worth insurance agents and online providers.
The purpose of this post is to introduce you to the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will be able to cut your premiums using the techniques presented in this article. Smart buyers just have to understand the most efficient way to shop online.
Finding cheap insurance prices is not rocket science. Drivers just need to spend a few minutes comparing free Fort Worth car insurance quotes from online providers.
The following companies are ready to provide quotes in Fort Worth, TX. If multiple companies are listed, it’s a good idea that you compare several of them to get a more complete price comparison.
Analysis of coverages
The data table shown below showcases different coverage prices for Mazda CX-7 models. Being aware of how insurance policy rates are formulated is important to be able to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $230 | $452 | $496 | $30 | $148 | $1,356 | $113 |
| CX-7 Sport 2WD | $260 | $452 | $496 | $30 | $148 | $1,386 | $116 |
| CX-7 Touring 2WD | $260 | $452 | $496 | $30 | $148 | $1,386 | $116 |
| CX-7 Touring 4WD | $260 | $532 | $496 | $30 | $148 | $1,466 | $122 |
| CX-7 Grand Touring 2WD | $288 | $532 | $496 | $30 | $148 | $1,494 | $125 |
| CX-7 Grand Touring 4WD | $288 | $532 | $496 | $30 | $148 | $1,494 | $125 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific garaging location which can revise price quotes significantly.
Comparison of policy deductibles
One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The data tables below can help you understand the rate fluctuation when you choose different physical damage coverage deductibles. The first pricing table uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| CX-7 Sport 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| CX-7 Touring 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| CX-7 Touring 4WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| CX-7 Grand Touring 2WD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| CX-7 Grand Touring 4WD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| CX-7 Sport 2WD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| CX-7 Touring 2WD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| CX-7 Touring 4WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| CX-7 Grand Touring 2WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| CX-7 Grand Touring 4WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in zip code location which can alter premium rates greatly.
Based on these figures, using a $100 deductible will cost you approximately $41 more each month or $492 a year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 22 months between claim filings, you would save money if you choose the higher deductible.
Should you buy full coverage?
The diagram below illustrates the difference between Mazda CX-7 insurance prices with and without full coverage. The premiums assume a clean driving record, no claims, $1,000 deductibles, single marital status, and no additional discounts are factored in.
When to drop full coverage
There is no definitive rule to stop buying full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s assume your Mazda CX-7 replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after the policy deductible has been paid. If you are currently paying more than $400 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.
How do I know if I need professional advice?
When quoting and choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Your financial needs are unique and your policy should reflect that.
For example, these questions might help in determining whether your personal situation might need an agent’s assistance.
- Am I covered if I back into my garage door?
- What does PIP insurance cover?
- How do I file an SR-22 for a DUI in Texas?
- Does car insurance cover theft of personal property?
- Am I missing any policy discounts?
- Should I drop comprehensive coverage on older vehicles?
- When do I need to add a new car to my policy?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.
What if I want to buy from local Fort Worth car insurance agents?
Certain consumers just want to get advice from a local agent and that is just fine! Good insurance agents are very good at helping people manage risk and help file insurance claims. An additional benefit of comparing insurance prices online is the fact that you can find the lowest rates and still buy from a local agent. Buying from neighborhood agents is still important in Fort Worth.
To make it easy to find an agent, after completing this short form, the coverage information is emailed to agents in your area who will return price quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer because quoted prices will be sent instantly to you. If for some reason you want to compare prices for a specific company, feel free to search and find their rate quote page to submit a rate quote request.
Shown below is a short list of insurers in Fort Worth that are able to give price quote information for Mazda CX-7 insurance in Fort Worth.
- Graham Insurance Group, Inc.
2914 SE Loop 820 – Fort Worth, TX 76140 – (817) 293-0388 – View Map - Allstate Insurance: Maria Amaya
2252 Jacksboro Hwy – Fort Worth, TX 76114 – (817) 624-2438 – View Map - Gary Gilmore – State Farm Insurance Agent
9324 Clifford St #106 – Fort Worth, TX 76108 – (817) 367-6106 – View Map - Earl Wood – State Farm Insurance Agent
2900 S Hulen St #50 – Fort Worth, TX 76109 – (817) 922-9300 – View Map
Finding a good company requires you to look at more than just a cheap price. Here are some questions you should ask.
- Is the agency involved in supporting local community causes?
- How are they compensated?
- Who is covered by the car insurance policy?
- Do they reduce claim amounts on high mileage vehicles?
- How long have they been in business?
- Do they feel the quoted coverages are adequate?
If you receive good feedback to any questions you have and a low price estimate, most likely you have located an provider that can provide car insurance coverage.