Mazda CX-9 Insurance Quotes in San Antonio

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Insurance for Mazda CX-9Want to save money and find low-cost Mazda CX-9 insurance in San Antonio? There isn't a single person who rejoices having to buy auto insurance, especially knowing they are paying too much.

A recent survey discovered that the vast majority of auto insurance customers in Texas renewed their policy with the same company for a minimum of four years, and approximately 38% of consumers have never compared auto insurance rates at all. American drivers could save an average of about $850 each year by just comparing rate quotes, but they mistakenly think it's difficult to save money by comparing rate quotes.

Insurance companies such as GEICO, Progressive and Allstate continually bombard you with fancy advertisements and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

If you're already insured, you should be able to get lower rates using the techniques presented in this article. Locating the best rates in San Antonio is actually not that difficult if you follow our advice. But Texas drivers must understand the way insurance companies price online insurance and use this information to your advantage.

Just remember that comparing all the rates in your area will increase your chances of finding a lower rate. Some smaller insurers do not give San Antonio CX-9 insurance quotes over the internet, so you should also compare rates on coverage from those companies, too.

The companies in the list below provide price comparisons in San Antonio, TX. If the list has multiple companies, it's highly recommended you visit as many as you can to get a more complete price comparison.

Rates and information analytics

The information displayed below showcases estimates of coverage costs for Mazda CX-9 models. Learning a little about how insurance prices are determined can help drivers make smart choices when purchasing an insurance policy.

Mazda CX-9 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $332 $496 $382 $22 $114 $1,346 $112
CX-9 Grand Touring 2WD $332 $584 $382 $22 $114 $1,434 $120
CX-9 Sport AWD $332 $584 $382 $22 $114 $1,434 $120
CX-9 Touring 2WD $332 $584 $382 $22 $114 $1,434 $120
CX-9 Touring AWD $332 $584 $382 $22 $114 $1,434 $120
CX-9 Grand Touring AWD $370 $584 $382 $22 $114 $1,472 $123
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in garaging location in San Antonio which can affect price quotes significantly.

Policy deductible comparison

One common question asked by San Antonio drivers is at what level do you set your deductibles. The following tables summarize the cost difference when you buy lower versus higher comp and collision deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Mazda CX-9 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $332 $496 $382 $22 $114 $1,371 $114
CX-9 Grand Touring 2WD $332 $584 $382 $22 $114 $1,459 $122
CX-9 Sport AWD $332 $584 $382 $22 $114 $1,459 $122
CX-9 Touring 2WD $332 $584 $382 $22 $114 $1,459 $122
CX-9 Touring AWD $332 $584 $382 $22 $114 $1,459 $122
CX-9 Grand Touring AWD $370 $584 $382 $22 $114 $1,497 $125
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Mazda CX-9 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $206 $312 $382 $22 $114 $1,036 $86
CX-9 Grand Touring 2WD $206 $368 $382 $22 $114 $1,092 $91
CX-9 Sport AWD $206 $368 $382 $22 $114 $1,092 $91
CX-9 Touring 2WD $206 $368 $382 $22 $114 $1,092 $91
CX-9 Touring AWD $206 $368 $382 $22 $114 $1,092 $91
CX-9 Grand Touring AWD $228 $368 $382 $22 $114 $1,114 $93
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can lower or raise coverage prices considerably.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $30 more each month or $360 annually averaged for all CX-9 models than opting for the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 25 months between claims, you would save money if you choose the higher deductible. Below is the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $121
Average monthly premium for $1,000 deductibles (subtract): - $91
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

How accidents and violations affect rates

The chart below illustrates how speeding tickets and accidents can drive up Mazda CX-9 premium costs for different insured age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

Full coverage versus liability only rates

The diagram below illustrates the comparison of Mazda CX-9 insurance premiums with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving citations, $500 deductibles, single marital status, and no policy discounts are applied.

When to stop buying full coverage

There is no set rule to stop buying full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's assume your Mazda CX-9 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after paying your policy deductible. If you are paying in excess of $700 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some circumstances where dropping full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Lower Your San Antonio Insurance Prices

A large part of saving on auto insurance is knowing some of the things that go into determining your premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could result in lower rates. Many things are used when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other criteria are not quite as obvious like where you live or your vehicle rating.

The list below includes a few of the things utilized by car insurance companies to help set rates.

Pay less after the wedding - Having a significant other can get you a discount when shopping for auto insurance. Marriage is viewed as being more mature than a single person and statistics show married drivers tend to have fewer serious accidents.

Five star safety rating saves money - Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries means lower claim amounts which can result in lower premiums. If your Mazda scored at minimum four stars on Safercar.gov you may be receiving a better rate.

Cheaper rates using alarm systems - Buying a car that has a built-in theft deterrent system can help lower your premiums. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft and help lower rates.

Gender and insurance costs - Over time, data shows females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. They both get in fender benders in similar percentages, but the male of the species cause more damage. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.

The example below illustrates the difference between Mazda CX-9 insurance prices for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no additional discounts are factored in.

Big city or small town - Residing in a rural area has it's advantages when it comes to auto insurance. Less people translates into fewer accident claims in addition to fewer liability claims. Drivers who live in large Texas cities regularly have traffic congestion and more severe claims. More time on the road statistically corresponds to a higher accident and claim rate.

Save money by eliminating extra coverages - There are a lot of extra coverages that you can buy but may not be useful. Things like rental car coverage, high-cost glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. These may sound like a good investment when buying your policy, but your money might be better spent on other coverage so get rid of them and save.

Claims statistics for a Mazda CX-9 - Companies include the past claim history for a vehicle to determine a rate that will be profitable for them. Vehicles that tend to have higher claim frequency or loss amount will have a higher cost to insure.

The table below illustrates the historical loss data for Mazda CX-9 vehicles. For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers below 100 indicate better than average losses, while numbers above 100 point to more claims or an increased chance of larger losses than average.

Insurance Loss Ratings for Mazda CX-9 Vehicles
Specific Mazda Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Mazda CX-9 4dr 2WD 87 108 74 87 95 89
Mazda CX-9 4dr 4WD 89 109 92 80 76 77
BETTER
AVERAGE
WORSE

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance just makes sense

Despite the high cost, insuring your vehicle may be required for several reasons.

  • The majority of states have compulsory liability insurance requirements which means the state requires a minimum amount of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your CX-9, almost every bank will require you to have comprehensive coverage to protect their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Mazda at a more expensive rate and force you to reimburse them for it.
  • Insurance protects not only your car but also your financial assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your CX-9 greatly outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is wasting up to $869 every year so it's important to compare rates at every policy renewal to be sure current rates are still competitive.