Insurance quote for Mazda CX-9 in ColumbiaI doubt anyone rejoices having to buy car insurance, especially knowing they are paying too much.

It's hard to fathom, but most drivers in South Carolina kept their coverage with the same car insurance company for more than four years, and nearly the majority have never quoted car insurance rates at all. Consumers in the United States could cut their rates by nearly $860 a year by just comparing quotes, but they assume it's a waste of time to find affordable car insurance rates.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with advertising and it can be hard to avoid their marketing magic and find the best price available.

Consumers should take time to price shop coverage every six months since insurance prices tend to go up over time. Despite the fact that you may have had the best deal on Mazda CX-9 insurance in Columbia on your last policy you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because you're going to learn the proper way to reduce your cost while increasing coverage.

If you have a policy now, you should be able to find better prices using the following tips. Buying the cheapest car insurance in Columbia is really quite simple as long as you have a good starting point. But South Carolina drivers must learn the way companies market insurance on the web because rates are impacted by many factors.

The easiest way to compare rates for Mazda CX-9 insurance in Columbia is to realize most of the larger companies participate in a system to give free rates quotes. All you need to do is take a few minutes to give details such as the ages of drivers, whether the vehicles are used for commuting, how much you drive, and marital status. The data gets sent immediately to insurance companies and you will get price comparisons within a short period of time.

To find lower cheaper Mazda CX-9 insurance rates now, click here and find out if you can get cheaper insurance in Columbia.

The companies in the list below are our best choices to provide price quotes in South Carolina. If more than one company is shown, it's highly recommended you visit several of them in order to get a fair rate comparison.

Mazda CX-9 Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $208 $352 $358 $22 $108 $1,048 $87
CX-9 Grand Touring 2WD $256 $514 $386 $22 $116 $1,294 $108
CX-9 Sport AWD $180 $378 $412 $24 $124 $1,118 $93
CX-9 Touring 2WD $158 $340 $386 $22 $116 $1,022 $85
CX-9 Touring AWD $232 $478 $444 $26 $132 $1,312 $109
CX-9 Grand Touring AWD $318 $592 $444 $26 $132 $1,512 $126
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific Columbia garaging location which can impact coverage prices substantially.

An analysis of deductible level

One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The comparisons below can help illustrate the price difference between high and low policy deductibles. The first table uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Mazda CX-9 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $332 $530 $342 $20 $102 $1,351 $113
CX-9 Grand Touring 2WD $332 $624 $342 $20 $102 $1,445 $120
CX-9 Sport AWD $332 $624 $342 $20 $102 $1,445 $120
CX-9 Touring 2WD $332 $624 $342 $20 $102 $1,445 $120
CX-9 Touring AWD $332 $624 $342 $20 $102 $1,445 $120
CX-9 Grand Touring AWD $370 $624 $342 $20 $102 $1,483 $124
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Mazda CX-9 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $242 $358 $342 $20 $102 $1,064 $89
CX-9 Grand Touring 2WD $242 $422 $342 $20 $102 $1,128 $94
CX-9 Sport AWD $242 $422 $342 $20 $102 $1,128 $94
CX-9 Touring 2WD $242 $422 $342 $20 $102 $1,128 $94
CX-9 Touring AWD $242 $422 $342 $20 $102 $1,128 $94
CX-9 Grand Touring AWD $270 $422 $342 $20 $102 $1,156 $96
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in your specific Columbia location which can decrease or increase prices noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $26 more each month or $312 each year than selecting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at least 15 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Why you need vehicle insurance in South Carolina

Despite the high cost of buying insurance for a Mazda CX-9 in Columbia, insurance serves several important purposes.

First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability protection in order to license the vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Mazda CX-9, most lenders will require you to buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank may insure your Mazda at an extremely high rate and make you pay the higher premium.

Third, car insurance preserves both your Mazda CX-9 and your personal assets. It will also pay for most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays as much as $855 a year so compare rate quotes every year to save money.

Why Your Insurance Costs might be higher

Smart consumers have a good feel for a few of the rating criteria that come into play when calculating the price you pay for auto insurance. If you know what determines premiums, this empowers consumers to make smart changes that could result in much lower annual insurance costs.

The factors shown below are some of the major factors used by your company to calculate your rates.

Insure car and home with the same company - Some companies will award a discount to customers who have multiple policies with them. It's known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it's still a good idea to shop around to confirm you are receiving the best rates possible.There is a chance you can save even more by insuring with multiple companies.

Safety ratings are a factor - Cars with high safety ratings cost less to insure. The safest vehicles result in less severe injuries and reduced instances of injuries translates directly to fewer claims which can result in lower premiums. If your Mazda CX-9 is rated at least four stars on you may qualify for a discount.

Your vocation is a factor - Did you know your auto insurance rates can be affected by your occupation? Occupations such as doctors, airline pilots, and miners usually pay higher rates than the rest of us in part from job stress and extremely grueling work hours. On the flip side, occupations like actors, historians and the unemployed have lower than average premiums.

Poor credit can mean higher prices - An insured's credit rating will be a significant factor in calculating your premium rate. People that have high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit is low, you could potentially save money when insuring your Mazda CX-9 by taking the time to improve your credit score.

Insurance losses for a Mazda CX-9 - Insurance companies analyze claim trends for every vehicle as a tool for profitable underwriting. Models that historically have a trend towards higher claims will have a higher cost to insure. The next table shows the historical loss data for Mazda CX-9 vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, without regard to make or model, is represented as 100. Percentage numbers below 100 represent a good loss history, while values that are above 100 indicate more frequent losses or a tendency for claims to be larger.

Mazda CX-9 Insurance Claim Statistics

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

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

Discounts for cheaper car insurance rates

Insuring your vehicles can cost a lot, but you may be missing some discounts to help bring down the price. A few discounts will be applied when you quote, but occasionally some discounts must be inquired about before they will apply.Cheaper car insurance with discounts

We need to note that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free car insurance policy, car insurance companies aren't that generous. Any qualifying discounts will help reduce your premiums.

A few popular companies and a partial list of their discounts are detailed below.

Before you buy a policy, ask each company which discounts can lower your rates. Some credits might not be available to policyholders in Columbia. To find providers that can offer you the previously mentioned discounts in South Carolina, click here.

When should I contact an agent?

Some people still like to sit down with an agent and often times that is recommended One of the best bonuses of getting free rate quotes online is that you can obtain lower prices but also keep your business local. And buying from local insurance agencies is definitely important in Columbia.

Find insurance agent in ColumbiaAfter completing this short form, your coverage information is instantly submitted to companies in Columbia who will return price quotes for your business. You won't need to contact any insurance agencies since price quotes are sent to the email address you provide. Get lower rates AND an agent nearby. In the event you want to get a price quote from a particular provider, you would need to search and find their rate quote page and complete a quote there.

Is an exclusive or independent car insurance agent right for you?

When narrowing the list to find a good insurance agency, it can be helpful to understand the types of agencies and how they operate. Agents in Columbia can be described as either independent or exclusive.

Independent Agents (or Brokers)

Agents in the independent channel do not have single company limitations so they can insure your vehicles with many different companies and find you the best rates. If they quote lower rates, the agent simply finds a different carrier which is easy for the insured.

If you need cheaper insurance rates, you definitely need to get several quotes from several independent agencies to maximize your price options.

Shown below is a small list of independent insurance agents in Columbia who can help you get price quote information.

607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map

455 St Andrews Rd # A2 - Columbia, SC 29210 - (803) 772-3122 - View Map

10248 Two Notch Rd - Columbia, SC 29229 - (803) 736-6161 - View Map

View more Columbia agents

Exclusive Agents

These agents write business for a single company such as Allstate, State Farm and Farm Bureau. Exclusive agents are unable to compare other company's rates so they have no alternatives for high prices. Exclusive agents are very knowledgeable in insurance sales which helps them sell on service rather than price.

Below are exclusive agencies in Columbia who can help you get comparison quotes.

1821 Clemson Rd #1 - Columbia, SC 29229 - (803) 865-7800 - View Map

384 St Andrews Rd - Columbia, SC 29210 - (803) 391-3777 - View Map

Allstate Insurance - Steven Price Agency
2759 Rosewood Dr - Columbia, SC 29205 - (803) 779-4060 - View Map

View more Columbia agents

Finding a good insurance agent needs to be determined by more than just the premium amount. Here are some questions to ask:

After talking to the agent and getting acceptable answers to these questions and an acceptable price quote, most likely you have located an auto insurance agent that can be relied on to service your policy. Just keep in mind you can always cancel your coverage for any reason so never assume you are locked into your new company for the entire policy term.

Quote. Compare. Save.

Some car insurance companies don't offer internet price quotes and these small insurance companies only sell through local independent agents. Budget-conscious Mazda CX-9 insurance can be bought on the web and from local agencies, so you need to compare both in order to have the best price selection to choose from.

While you're price shopping online, it's not a good idea to reduce needed coverages to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at the best possible price, not the least amount of coverage.

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