Do you want to stop overpaying and find more competitive Mazda CX-9 insurance in Philadelphia? Locating better insurance prices for your Mazda CX-9 in Pennsylvania can turn out to be difficult, but you can follow the following methods to save time.
There is a right way and a wrong way to find insurance online so you’re going to learn the proper way to get price quotes on a Mazda and find the lowest possible price.
These ten discounts can cut Mazda CX-9 insurance rates
Not many people think insurance is cheap, but you might be missing out on some discounts that many consumers don’t even know exist. Certain reductions will be credited at the time of purchase, but once in a while a discount must be specifically requested prior to receiving the credit.
- Driver Training Discounts – Participating in a class that teaches defensive driver techniques could possibly earn you a 5% discount depending on where you live.
- Anti-lock Brake System – Vehicles with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
- Senior Discount – Drivers over the age of 55 can possibly qualify for reduced rates.
- Low Mileage Discounts – Fewer annual miles on your Mazda can earn lower auto insurance rates due to less chance of an accident.
- E-sign Discounts – Certain larger companies will give a small break shop Philadelphia auto insurance on the internet.
- Payment Discounts – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course as it will make them better drivers and lower rates.
- Sign Early and Save – Some larger companies reward drivers for renewing your policy early. This can save 10% or more.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the personal injury premium cost.
- Military Rewards – Having a deployed family member could trigger a small discount.
A quick disclaimer, many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.
The diagram below shows the difference between Mazda CX-9 annual premium costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents, no driving violations, Pennsylvania 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, homeowner, multi-policy, safe-driver, claim-free, and marriage discounts applied.
A list of auto insurance companies and their offered discounts are shown below.
- GEICO includes discounts for good student, anti-lock brakes, emergency military deployment, federal employee, and multi-vehicle.
- Travelers may have discounts that include good student, driver training, multi-policy, multi-car, IntelliDrive, student away at school, and continuous insurance.
- Nationwide policyholders can earn discounts including business or organization, anti-theft, accident-free, good student, Farm Bureau membership, multi-policy, and easy pay.
- Farmers Insurance has savings for bundle discounts, electronic funds transfer, business and professional, teen driver, mature driver, early shopping, and homeowner.
- Esurance offers premium reductions for multi-car, DriveSense, anti-lock brakes, anti-theft, and claim free.
- State Farm offers discounts for good driver, student away at school, passive restraint, defensive driving training, Drive Safe & Save, and good student.
- Progressive discounts include online quote discount, multi-policy, multi-vehicle, good student, and homeowner.
- Mercury Insurance may offer discounts for ease of repair, age of vehicle, good driver, low natural disaster claims, anti-theft, accident-free, and annual mileage.
If you are trying to find affordable Philadelphia auto insurance quotes, ask all the companies which discounts you may be entitled to. Discounts might not be offered on policies in Philadelphia. To view providers who offer auto insurance discounts in Pennsylvania, follow this link.
Cheapest Mazda CX-9 insurance quotes in Philadelphia, Pennsylvania
The companies in the list below are our best choices to provide price comparisons in Philadelphia, PA. If the list has multiple companies, it’s a good idea that you visit as many as you can in order to find the lowest rates.
Coverage information
The information shown below covers different prices for Mazda CX-9 models. Having a better idea how insurance policy premiums are calculated can benefit drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $200 | $356 | $372 | $22 | $112 | $1,062 | $89 |
| CX-9 Grand Touring 2WD | $200 | $420 | $372 | $22 | $112 | $1,126 | $94 |
| CX-9 Sport AWD | $200 | $420 | $372 | $22 | $112 | $1,126 | $94 |
| CX-9 Touring 2WD | $200 | $420 | $372 | $22 | $112 | $1,126 | $94 |
| CX-9 Touring AWD | $200 | $420 | $372 | $22 | $112 | $1,126 | $94 |
| CX-9 Grand Touring AWD | $224 | $420 | $372 | $22 | $112 | $1,150 | $96 |
| Get Your Own Customized Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in zip code location which can lower or raise coverage rates considerably.
Policy deductibles
When comparing car insurance rates, the most common question is how high should your deductibles be. The figures shown below may help to conceptualize how much more you’ll pay of buying low and high physical damage deductibles. The first data set uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $288 | $428 | $330 | $20 | $98 | $1,189 | $99 |
| CX-9 Grand Touring 2WD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| CX-9 Sport AWD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| CX-9 Touring 2WD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| CX-9 Touring AWD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| CX-9 Grand Touring AWD | $320 | $506 | $330 | $20 | $98 | $1,299 | $108 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| CX-9 Grand Touring 2WD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| CX-9 Sport AWD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| CX-9 Touring 2WD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| CX-9 Touring AWD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| CX-9 Grand Touring AWD | $260 | $408 | $330 | $20 | $98 | $1,116 | $93 |
| Get Your Own Customized Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific Philadelphia garaging location which can revise premiums significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $14 more each month or $168 each year averaged for all CX-9 models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 18 months between claims, you would save more money if you opt for a higher deductible.
Impact of citations and accidents on Philadelphia insurance rates
The illustration below shows how violations and at-fault fender-benders can impact Mazda CX-9 insurance costs for different age groups of insureds. The costs are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Difference between liability only and full coverage rates
The information below shows the comparison of Mazda CX-9 auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The information is based on no claims or driving citations, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Are you wasting money on full coverage?
There is no set guideline for eliminating physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s assume your Mazda CX-9 book value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the deductible is paid. If it’s costing in excess of $700 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some cases where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Don’t assume everyone needs the same insurance coverage
When quoting and choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.
For example, these questions may help you determine if your insurance needs may require specific advice.
- Does car insurance cover theft of personal property?
- What happens if I owe more than my Mazda CX-9 is worth?
- When should my teen driver be added to my policy?
- Do I need medical payments coverage since I have good health insurance?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Is business property covered if stolen from my car?
- Is my Mazda CX-9 covered if I use it for business?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.
Auto insurance quotes from neighborhood Philadelphia auto insurance agents
A small number of people prefer to talk to an insurance agent and we recommend doing that Licensed agents can help you build your policy and help submit paperwork. One of the great benefits of comparing rate quotes online is the fact that you can find cheaper car insurance rates and still have a local agent. Putting coverage with small agencies is important particularly in Philadelphia.
Upon completion of this simple form, your insurance coverage information is submitted to insurance agents in Philadelphia who will give you quotes to get your business. There is no need to contact any agents due to the fact that quote results will go instantly to you. If for some reason you want to get a rate quote from a particular provider, just search and find their rate quote page and give them your coverage information.
When researching an insurance agent, it helps to know the two types of insurance agents to choose from. Auto insurance agencies are classified as either independent or exclusive depending on the company they work for. Both types of agents can provide auto insurance policies, but it’s worth mentioning the difference in the companies they write for because it may have an impact on the kind of agent you use.
Independent Agents (or Brokers)
Agents of this type are normally appointed by many insurers so they have the ability to put coverage with a variety of different insurance companies and find the cheapest auto insurance rates. If prices rise, they simply switch companies in-house and you don’t have to find a new agent. When comparing rates, you need to get insurance quotes from at a minimum one independent agency so that you can do a thorough price comparison. A lot of them also have access to small regional insurance companies that may provide cheaper auto insurance rates.
Below is a short list of independent agencies in Philadelphia who may be able to give you competitive price quotes.
- K and A Insurance Agency
5520 Wayne Ave – Philadelphia, PA 19144 – (215) 991-4900 – View Map - Juniata Ins Agency
1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701 – View Map - The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map
Exclusive Auto Insurance Agencies
Exclusive agents can only provide one company’s prices and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. These agents are highly trained on the products they sell which aids in selling service over price. Some consumers prefer to purchase coverage from exclusives mainly due to the prominence of the brand rather than low price.
The following is a short list of exclusive insurance agents in Philadelphia that can give you price quote information.
- Erica Bantom Martin – State Farm Insurance Agent
1124 S Broad St – Philadelphia, PA 19146 – (215) 875-8100 – View Map - Joe Ems – State Farm Insurance Agent
7348 Frankford Ave – Philadelphia, PA 19136 – (215) 333-5100 – View Map - Paul Hoffman – State Farm Insurance Agent
2655 S 12th St – Philadelphia, PA 19148 – (215) 389-4737 – View Map
Choosing an insurance agent shouldn’t rely on just the bottom line cost. Any agent in Philadelphia should be willing to answer these questions.
- How long has their agency been in business in Philadelphia?
- Can glass claims be handled at your home?
- Does their agency support local causes in Philadelphia?
- Are all drivers listed on the coverage quote?
- Will they take your side in the event of a claim?
- Can you contact them at any time?
- Which companies do they recommend if they are an independent agency?
- Is the quote a firm price?
Three reasons to not skimp on auto insurance
Despite the high cost of buying insurance for a Mazda CX-9 in Philadelphia, buying auto insurance is a good idea for several reasons.
- Almost all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability coverage if you want to drive legally. In Pennsylvania 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.
- If you took out a loan on your Mazda CX-9, almost all lenders will make it a condition of the loan that you have full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Mazda at a much higher premium rate and make you pay much more than you were paying before.
- Auto insurance protects both your vehicle and your personal assets. It will also pay for medical bills for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. But the average driver in Pennsylvania overpays more than $810 a year so you should quote your policy with other companies at least once a year to help ensure money is not being wasted.
Car insurance policy specifics
Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability
Liability coverage can cover injuries or damage you cause to a person or their property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things like structural damage, pain and suffering and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.
The next chart shows why buying low liability limits may not be high enough to cover claims.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP kick in for bills like surgery, chiropractic care, prosthetic devices and pain medications. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Auto collision coverage
This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as hitting a mailbox, backing into a parked car, hitting a parking meter, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible on your CX-9 in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mazda CX-9.
Due to the fact that many Pennsylvania drivers only purchase the least amount of liability that is required (which is 15/30/5), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.
Cheaper insurance is a realistic goal
Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, poor customer service, extreme rates for teen drivers or even policy cancellation. It doesn’t matter what your reason, finding the right insurance provider is less work than it seems.
In this article, we covered a lot of ways to find affordable Mazda CX-9 insurance in Philadelphia. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even be surprised to find that the best price on insurance is with some of the smallest insurance companies.
The cheapest Mazda CX-9 insurance in Philadelphia can be sourced online and from local agencies, so you need to shop Philadelphia auto insurance with both to have the best rate selection. Some insurance companies may not have online price quotes and many times these regional insurance providers only sell through independent insurance agents.
Even more information is located by following these links:
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has the Cheapest Philadelphia Auto Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)