How many times have you told yourself to find low-cost auto insurance rates in Atlanta, GA? Atlanta drivers have a choice when trying to find the best price on Mazda CX-9 insurance. You can either spend your time contacting agents to compare prices or use the internet to get rate quotes. There is a right way and a wrong way to find auto insurance online and you need to know the quickest way to get price quotes for a Mazda and find the lowest possible price.
Best companies for affordable Mazda CX-9 insurance in Georgia
The companies shown below provide free rate quotes in Georgia. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $240 | $404 | $444 | $26 | $134 | $1,248 | $104 |
| CX-9 Grand Touring 2WD | $328 | $742 | $444 | $26 | $134 | $1,674 | $140 |
| CX-9 Sport AWD | $312 | $556 | $406 | $24 | $122 | $1,420 | $118 |
| CX-9 Touring 2WD | $242 | $380 | $516 | $30 | $154 | $1,322 | $110 |
| CX-9 Touring AWD | $204 | $430 | $512 | $30 | $154 | $1,330 | $111 |
| CX-9 Grand Touring AWD | $366 | $706 | $414 | $24 | $124 | $1,634 | $136 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in your specific Atlanta location which can decrease or increase insurance rates noticeably.
Insurance rate increases from tickets or accidents
The diagram below illustrates how violations and at-fault claims can raise Mazda CX-9 insurance costs for each age group. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.
Physical damage deductible comparison
The chart below demonstrates how deductibles and can change Mazda CX-9 insurance costs for different age categories. The rates are based on a single female driver, comp and collision included, and no discounts are applied.
Comparison of policy deductibles
When shopping for car insurance, a common question is how high should your deductibles be. The rates below can help illustrate the differences in premium rates when you choose different physical damage coverage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $382 | $612 | $394 | $24 | $118 | $1,555 | $130 |
| CX-9 Grand Touring 2WD | $382 | $720 | $394 | $24 | $118 | $1,663 | $139 |
| CX-9 Sport AWD | $382 | $720 | $394 | $24 | $118 | $1,663 | $139 |
| CX-9 Touring 2WD | $382 | $720 | $394 | $24 | $118 | $1,663 | $139 |
| CX-9 Touring AWD | $382 | $720 | $394 | $24 | $118 | $1,663 | $139 |
| CX-9 Grand Touring AWD | $426 | $720 | $394 | $24 | $118 | $1,707 | $142 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $212 | $322 | $394 | $24 | $118 | $1,070 | $89 |
| CX-9 Grand Touring 2WD | $212 | $380 | $394 | $24 | $118 | $1,128 | $94 |
| CX-9 Sport AWD | $212 | $380 | $394 | $24 | $118 | $1,128 | $94 |
| CX-9 Touring 2WD | $212 | $380 | $394 | $24 | $118 | $1,128 | $94 |
| CX-9 Touring AWD | $212 | $380 | $394 | $24 | $118 | $1,128 | $94 |
| CX-9 Grand Touring AWD | $236 | $380 | $394 | $24 | $118 | $1,152 | $96 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can impact rates substantially.
We can estimate from the data above that using a $100 deductible will cost in the ballpark of $44 more each month or $528 for a full year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 20 months between claim filings, you would probably save some money if you choose the higher deductible.
How do Insurance Providers Determine Mazda CX-9 Insurance Premiums?
Many factors are part of the equation when you get a price on insurance. Some are obvious such as your driving record, but others are not as apparent like your vehicle usage or your commute time. It’s important that you understand the rating factors that come into play when calculating your car insurance rates. When you know what positively or negatively determines base rates, this enables you to make decisions that may reward you with much lower annual insurance costs.
The following are some of the most rate-impacting factors used by companies to determine prices.
- Credit score impact car insurance prices – Having a bad credit score can be a huge factor in calculating your premium rate. People that have good credit tend to be more responsible than those with lower credit scores. If your credit is low, you may save money insuring your Mazda CX-9 by taking the time to improve your credit score.
- Pleasure use saves money – Driving more miles in a year the more you’ll pay to insure your vehicle. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Cars that have low annual miles qualify for better rates than those that get driven frequently. Ask your agent if your car insurance declarations sheet reflects the correct driver usage, because improper ratings can cost you money. Having the wrong rating on your CX-9 is throwing money out the window.
- Save money by raising deductibles – The deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, damage caused by hail, or theft of your vehicle. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be.
- Performance makes a difference – The performance of the car you are trying to find cheaper insurance for makes a substantial difference in determining your rates. The lowest base rates are usually found on the lowest performance passenger vehicles, but that’s not the only thing that factors into the final price. Since the Mazda CX-9 is classified as a crossover, insurance will be slightly more when compared to the average rates in Atlanta.
- Which gender costs less? – Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that men are WORSE drivers than women. Both sexes have fender benders at a similar rate, but the men cause more damage and cost insurance companies more money. Men also get cited for more serious violations like driving under the influence (DUI). Young men ages 16 to 20 generally have the highest accident percentage so it costs more to insure them.
- Do you really need roadside assistance? – There are quite a few additional extra coverages that sound like a good idea at the time when buying car insurance. Insurance for things like rental car reimbursement, better glass coverage, and motor club memberships are examples of these. These may sound like a good investment at first, but now you might not need them so think about removing them and cutting costs.
- Job stress can affect rates – Did you know your job can affect your rates? Occupational choices like doctors, business owners and dentists are shown to have higher average rates attributed to intense work requirements and lots of time spent away from family. On the other hand, careers like actors, athletes and the unemployed pay the least.
- Insurance loss data for a Mazda CX-9 – Companies include the past claim trends for vehicles to help determine rates. Models that historically have higher claim frequency or loss amount will have a higher cost to insure.
The table below outlines the historical insurance loss data for Mazda CX-9 vehicles. For each policy coverage, the loss probability for all vehicles compiled together is a value of 100. Values that are below 100 imply a favorable loss record, while values that are above 100 indicate more frequent claims or an increased chance of a larger loss.
Auto Insurance Loss Data for Mazda CX-9 Models
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 Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Cheaper Mazda CX-9 insurance quotes in Atlanta
Insuring your fleet can be pricey, but you may be missing some discounts that can help lower your rates. Certain discounts will be triggered automatically when you get a quote, but occasionally some discounts must be inquired about before you will receive the discount.
- Defensive Driver Discounts – Taking part in a safe driver course could earn you a small percentage discount and easily pay for the cost of the class.
- Passive Restraints – Factory air bags could see savings of 20% or more.
- Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you could save up to 5%.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.
- Military Discounts – Being deployed in the military could mean lower prices.
- Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their Atlanta auto insurance quote than their less cautious counterparts.
- Discounts for Multiple Vehicles – Having all your vehicles with the same company could earn a price break for each car.
Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
Car insurance companies that may offer some of the discounts shown above include:
When comparing rates, check with each insurance company how you can save money. Savings may not apply in Atlanta. If you would like to see a list of providers who offer free Mazda CX-9 insurance quotes in Georgia, follow this link.
Local Atlanta car insurance agents
Certain consumers would rather talk to an insurance agent and that is not a bad decision Experienced insurance agents can help you choose the best coverages and help file insurance claims. One of the benefits of price shopping on the web is that you can find lower rates and also buy local.
For easy comparison, once you complete this short form, the quote information is instantly submitted to companies in Atlanta who want to provide quotes for your coverage. There is no need to do any legwork due to the fact that quote results will go immediately to you. If you wish to compare prices from a specific insurance provider, you would need to visit that company’s website and submit a quote form there.
Finding a good company needs to be determined by more than just a low price. Some important questions to ask are:
- What is their Better Business Bureau rating?
- Does the quote include credit and driving reports?
- Are all drivers listed on the coverage quote?
- How long has their agency been in business in Atlanta?
- Does the company have a solid financial rating?
- Does their agency support local causes in Atlanta?
- How many years of experience in personal auto insurance do they have?
If you would like to find a reliable insurance agent, there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies are considered either independent or exclusive. Both types of agents can insure your vehicles properly, but it’s important to know how they are different because it can influence buying decisions.
Exclusive Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on their company’s products and that allows them to sell at a higher price point. Some consumers prefer to buy from the same agent for years primarily because of the prominent brand name instead of buying on price only.
Below are Atlanta exclusive insurance agents that can give you price quotes.
- Kaitlin Ponce – State Farm Insurance Agent
2285 Peachtree Rd #204 – Atlanta, GA 30309 – (404) 390-1190 – View Map - Kerry Mitchell – State Farm Insurance Agent
2900 Chamblee-Tucker Rd, Bldg 15 – Atlanta, GA 30341 – (770) 455-0017 – View Map - Dana Shivalier – State Farm Insurance Agent
1544 Piedmont Ave NE #107 – Atlanta, GA 30324 – (404) 892-0101 – View Map
Independent Insurance Agents
Agents in the independent channel are not restricted to one company and that enables them to quote your coverage with multiple insurance companies and get you the best rates possible. If your premiums go up, your agent can just switch to a different company and the insured can keep the same agent.
If you need cheaper insurance rates, we recommend you include rate quotes from several independent agencies for the best price selection. Many can place coverage with less well-known companies that many times have cheaper rates.
Below is a short list of independent agents in Atlanta who can help you get rate quotes.
- Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map - Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map - Georgia Insurance Brokerage
193 Auburn Ave NE – Atlanta, GA 30303 – (404) 525-1600 – View Map
If you get positive feedback to any questions you may have as well as offering an affordable quote, you may have just found an insurance agent that is reliable enough to service your policy.
In Summary
Budget-friendly insurance in Atlanta can be sourced from both online companies and with local Atlanta insurance agents, so you need to shop Atlanta auto insurance with both in order to have the best price selection to choose from. There are still a few companies who do not provide rates over the internet and these smaller providers only sell coverage through independent agents.
You just learned a lot of tips how to lower your Mazda CX-9 insurance car insurance rates in Atlanta. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive Atlanta auto insurance quotes. Drivers may even discover the best car insurance rates are with some of the smallest insurance companies.
As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. In many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.
Helpful articles
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Affordable Atlanta Auto Insurance for a Toyota Corolla? (FAQ)
- How Much is Atlanta Auto Insurance for Teenage Males? (FAQ)
- How Much are Car Insurance Quotes for High Risk Drivers in Atlanta? (FAQ)
- Who Has Cheap Atlanta Car Insurance for a Ford Explorer? (FAQ)
- Who Has Cheap Auto Insurance for a Subaru Outback in Atlanta? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)