Want to learn how to save money and find cheaper Mazda CX-9 insurance in Oakland? Consumers who are new to the process of price shopping auto insurance online may find purchasing inexpensive Mazda CX-9 insurance in Oakland is more work than they anticipated.
It’s a known fact that auto insurance companies don’t want policyholders to shop around. Drivers who shop around for better prices are likely to switch auto insurance companies because of the high probability of finding more affordable rates. A recent auto insurance study revealed that people who shopped around saved approximately $3,450 over four years as compared to drivers who don’t regularly compare prices.
If finding the most affordable car insurance in Oakland is your target objective, then having some knowledge of how to get free comparison quotes and analyze insurance rates can help you succeed in finding affordable rates.
If you are already insured, you should be able to lower your rates using this information. Our goal is to let you in on how to compare rates easily. But California drivers must comprehend how insurance companies calculate your insurance rates because it varies considerably.
Companies offering Mazda CX-9 insurance in Oakland
The auto insurance companies shown below have been selected to offer price comparisons in Oakland, CA. If you wish to find the cheapest auto insurance in CA, we recommend you visit several of them in order to get a fair rate comparison.
Mazda CX-9 insurance rate analysis
The data table displayed below covers different insurance coverage prices for Mazda CX-9 models. Having a better idea how insurance premiums are calculated helps drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $244 | $394 | $424 | $26 | $126 | $1,214 | $101 |
| CX-9 Grand Touring 2WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| CX-9 Sport AWD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| CX-9 Touring 2WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| CX-9 Touring AWD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| CX-9 Grand Touring AWD | $272 | $464 | $424 | $26 | $126 | $1,312 | $109 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in Oakland location which can change insurance rates greatly.
Policy deductible comparison
When buying car insurance, a common question is how high should the deductibles for physical damage be. The tables below may help to illustrate the price difference of buying low and high physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| CX-9 Grand Touring 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CX-9 Sport AWD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CX-9 Touring 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CX-9 Touring AWD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| CX-9 Grand Touring AWD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| CX-9 Grand Touring 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| CX-9 Sport AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| CX-9 Touring 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| CX-9 Touring AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| CX-9 Grand Touring AWD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in zip code location which can lower or raise price quotes considerably.
Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $35 more each month or $420 for a full year averaged for all CX-9 models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 21 months between claims, you would save money going with the higher deductible.
The chart below illustrates how your deductible choice and can raise or lower Mazda CX-9 insurance prices for each age group. The information is based on a single female driver, full coverage, and no other discounts are factored in.
Lower Your Oakland Insurance Prices
It’s important that you understand some of the elements that help calculate your premiums. If you understand what influences your rates, this allows you to make educated decisions that could result in lower rates. Lots of factors are taken into consideration when premium rates are determined. Some of the criteria are obvious such as your driving history, but some are more obscure such as whether you are married and annual miles driven.
- City traffic equals higher costs – Having an address in a small town is a good thing when buying auto insurance. Residents of big cities tend to have congested traffic and longer commutes to work. Fewer drivers on the road means a lower chance of having an accident.
- Lower rates for cars with good safety ratings – Safe vehicles can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies and lower rates for you. If your Mazda CX-9 is rated at least four stars on Safercar.gov you are probably receiving a discount.
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Careless driving leads to higher costs – Just one citation could increase your next policy renewal twenty percent or more. Drivers with clean records pay lower auto insurance prices than bad drivers. Drivers with flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to legally drive.
The information below highlights how speeding tickets and at-fault accidents raise Mazda CX-9 car insurance rates for different insured age categories. The rate quotes are based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
- Extra coverages you don’t need – There are a lot of extra coverages that may not really be needed but may not be useful. Coverages for rental car reimbursement, towing, and extra life insurance coverage may be wasting your money. They may seem like a good idea initially, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
- Minor frequent claims are not good – Auto insurance companies in California give better rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
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Rates also based on gender – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that females are better at driving than males. Men and women cause fender benders at a similar rate, but the male of the species cause more damage. They also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
The diagram below illustrates the comparison of Mazda CX-9 annual premium costs for male and female drivers. The premiums are based on no claims, a clean driving record, full coverage, $500 deductibles, single status, and no discounts are applied to the premium.
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Premiums go up with performance – The make and model of the vehicle you own makes a substantial difference in how high your rates are. Lower performance four cylinder passenger cars normally have pretty low rates, but your final cost has many other factors.
The next chart is based on a single female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Mazda CX-9 insurance rates compared to other models of vehicles that have a range of performance rating factors.
- Marriage reduces risk – Having a spouse actually saves money on your policy. Having a significant other is viewed as being less irresponsible and statistics show married couples file fewer claims.
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Mazda CX-9 insurance claim data – Companies analyze past claim statistics to calculate a rate that offsets possible losses. Models that statistically have a trend towards higher claims will have increased rates. The data below shows the loss history for Mazda CX-9 vehicles.
For each policy coverage type, the statistical loss for all vehicles as a whole is a value of 100. Values below 100 indicate a favorable loss history, while values that are above 100 indicate more frequent losses or tendency to have larger claims.
Mazda CX-9 Insurance Loss Statistics Vehicle 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 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Oakland auto insurance discounts
Car insurance can cost a lot, but you may qualify for discounts that can help lower your rates. Many of these discounts will be applied automatically at the time of quoting, but some discounts are required to be specifically requested in order for you to get them.
- Discount for Swiching Early – Some insurance companies provide a discount for renewing your policy before your current CX-9 insurance policy expires. The savings is around 10%.
- Good Grades Discount – Maintaining excellent grades may save as much as 25% on a Oakland car insurance quote. This discount can apply until age 25.
- Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
- Military Rewards – Being deployed with a military unit could be rewarded with lower rates.
- Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy some life insurance too.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your Oakland car insurance quote.
- Own a Home – Owning a home in Oakland can save you money because owning a home is proof of financial responsibility.
- Low Mileage – Keeping the miles down on your Mazda can earn substantially lower rates.
- Defensive Driver – Taking a defensive driver course may get you a small discount and make you a better driver.
It’s important to note that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though you would think you can get free auto insurance, companies don’t profit that way.
The information below illustrates the comparison of Mazda CX-9 insurance costs with and without policy discounts. The data assumes a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, multi-car, and claim-free discounts applied.
Companies and some of their more popular discounts are shown below.
- Progressive policyholders can earn discounts including online quote discount, multi-policy, continuous coverage, good student, and multi-vehicle.
- MetLife may offer discounts for accident-free, defensive driver, good student, claim-free, good driver, multi-policy
- Mercury Insurance includes discounts for accident-free, low natural disaster claims, multi-policy, multi-car, annual mileage, anti-theft, and good student.
- Nationwide offers discounts for family plan, defensive driving, multi-policy, Farm Bureau membership, and anti-theft.
- GEICO has discounts for defensive driver, air bags, military active duty, multi-vehicle, and five-year accident-free.
- AAA discounts include good driver, AAA membership discount, multi-car, multi-policy, anti-theft, education and occupation, and pay-in-full.
It’s a good idea to ask each company which discounts can lower your rates. Some discounts listed above may not be offered in Oakland. To choose companies that provide some of the discounts listed above in Oakland, click here to view.
What if I want to buy from local Oakland auto insurance agents?
Some people prefer to get advice from a local agent and that is just fine! A good thing about comparing rates online is you may find the best rates and still have an agent to talk to. Buying from and supporting local agents is definitely important in Oakland.
Once you complete this short form, your information is instantly submitted to insurance agents in Oakland who will return price quotes to get your business. You won’t even need to find an agent due to the fact that quote results will go to your email. You can find lower rates without having to waste a lot of time. If you need to compare rates from a specific insurance provider, you can always jump over to their website to submit a rate quote request.
When narrowing the list to find a local agent, it’s important to understand the types of insurance agents and how they work. Agencies in Oakland can either be exclusive agents or independent agents.
Independent Agents (or Brokers)
Agents that choose to be independent do not have single company limitations so they can write business with any number of different companies and help determine which has the cheapest rates. If your premiums go up, they simply move the coverage in-house and you won’t have to switch agencies. If you are comparing rate quotes, you should always include a few independent agents to have the best price comparison. They often place coverage with lesser-known insurance companies who may have lower rates.
Shown below is a partial list of independent insurance agencies in Oakland who may provide free insurance rate quotes.
- Fiesta Auto Insurance Center
4102 International Blvd – Oakland, CA 94601 – (510) 261-1300 – View Map - Fred Loya Insurance
1620 High St STE B – Oakland, CA 94601 – (510) 434-1801 – View Map - All Purpose Insurance Agency
5857 MacArthur Blvd – Oakland, CA 94605 – (510) 382-1900 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only provide one company’s prices like Allstate and State Farm. Exclusive agents cannot place coverage with different providers so always compare other rates. They are trained well on their company’s products which aids in selling service over price. Some insured continue to choose to use an exclusive agent partially due to the brand name instead of buying on price only.
The following are Oakland exclusive insurance agents who can help you get price quotes.
- Kristen Law – State Farm Insurance Agent
3940 High St c – Oakland, CA 94619 – (510) 530-3200 – View Map - Farmers Insurance – Yonas Hagos
220 4th St Suite 200 – Oakland, CA 94607 – (510) 763-1030 – View Map - Farmers Insurance – Anthony Sue
3333 Grand Ave #203 – Oakland, CA 94610 – (510) 465-1544 – View Map
Finding the right insurance agent requires you to look at more than just a cheap quote. These are valid questions to ask:
- How much will you save each year by using a higher deductible?
- Do they feel the quoted coverages are adequate?
- Does the agency have a good rating with the Better Business Bureau?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they prorate repair cost based on vehicle mileage?
How do I know if I need professional advice?
When it comes to adequate coverage, there really isn’t a single plan that fits everyone. Everyone’s needs are different.
For example, these questions can aid in determining whether or not you may require specific advice.
- Am I covered if hit by an uninsured driver?
- Which companies are cheaper for teen drivers?
- Should I pay a claim out-of-pocket?
- Am I getting all the discounts available?
- How can I get high-risk coverage after a DUI?
- What is UM/UIM insurance?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form.
Be persistent to save money
Consumers change insurance companies for any number of reasons including not issuing a premium refund, unfair underwriting practices, delays in responding to claim requests and even questionable increases in premium. It doesn’t matter what your reason, switching insurance companies can be easy and end up saving you some money.
You just learned some good ideas how you can lower your Mazda CX-9 insurance car insurance rates in Oakland. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest priced insurance comes from the least-expected company.
There are still a few companies who don’t offer the ability to get quotes online and many times these smaller companies prefer to sell through local independent agents. Budget-friendly insurance in Oakland is attainable on the web and from local insurance agents, so you should compare both to have the best chance of lowering rates.
Steps to finding affordable Mazda CX-9 insurance in Oakland
It takes a few minutes, but the best way to find low-cost prices for Mazda CX-9 insurance is to make a habit of comparing prices annually from companies who provide car insurance in Oakland.
- Read and learn about car insurance and the measures you can control to prevent expensive coverage. Many factors that cause rate increases such as speeding tickets, accidents and a poor credit score can be amended by making small lifestyle or driving habit changes.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while independent agents can quote rates from multiple insurance companies.
- Compare the price quotes to your existing rates to see if a cheaper rate is available in Oakland. If you find better rates, make sure coverage does not lapse between policies.
- Provide adequate notice to your current company to cancel your current car insurance policy and submit payment and a completed application to your new agent or company. As soon as you receive it, put the new proof of insurance paperwork in a readily accessible location in your vehicle.
One thing to remember is to use similar coverage information on each price quote and and to get price quotes from as many different companies as possible. Doing this guarantees a level playing field and the best price quote selection.
Additional information can be found below:
- What Does No-Fault Insurance Cover? (Allstate)
- How Much are Auto Insurance Rates for a 20 Year Old Male in Oakland? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Low Income Drivers in Oakland? (FAQ)
- Who Has Cheap Oakland Auto Insurance for Drivers Under 21? (FAQ)
- Who Has Affordable Auto Insurance for 17 Year Olds in Oakland? (FAQ)
- Who Has Affordable Oakland Auto Insurance for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Car Insurance for Young Drivers in Oakland? (FAQ)
- How Much are Auto Insurance Rates for Good Students in Oakland? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- All About Airbag Safety (State Farm)