Amazingly, most auto insurance policyholders in Maryland have bought auto insurance from the same company for more than four years, and nearly 40% of drivers have never even shopped around for affordable coverage. American consumers could save about $850 each year by just comparing rate quotes, but they just assume it’s a time-consuming process to compare rates and save money.
The easiest way to find more affordable Mazda CX-9 insurance is to annually compare prices from companies in Baltimore.
First, spend a few minutes and learn about individual coverages and the factors you can control to prevent high rates. Many rating factors that result in higher prices such as traffic violations, accidents, and an unfavorable credit rating can be improved by making minor changes in your lifestyle. This article gives information to get better rates and find missing discounts.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of companies.
Third, compare the new rate quotes to your current policy to see if you can save by switching companies. If you find better rates and change companies, make sure there is no coverage gap between policies.
Fourth, provide proper notification to your current company of your intention to cancel the current policy and submit the completed application along with a down payment to the newly selected company. Immediately store the certificate verifying coverage somewhere easily accessible.
A good tip to remember is that you’ll want to compare identical deductibles and limits on every quote request and and to get price estimates from as many different companies as possible. This ensures an apples-to-apples comparison and a complete price analysis.
If you have coverage now or are looking for a new policy, use these money-saving tips to lower your rates without having to cut coverage. This article’s intent is to teach you the best ways to compare prices and some money-saving tips. Comparison shoppers just need to know the least time-consuming way to compare different rates over the internet.
Companies offering cheap Mazda CX-9 rates in Baltimore, MD
The providers in the list below have been selected to offer price comparisons in Maryland. If you wish to find cheap car insurance in Baltimore, it’s a good idea that you visit several of them to get the most competitive price.
Facts and figures for Mazda CX-9 insurance
The table shown below showcases different insurance costs for Mazda CX-9 models. Knowing how auto insurance prices are figured can benefit drivers when making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CX-9 Sport 2WD||$200||$306||$418||$24||$126||$1,074||$90|
|CX-9 Grand Touring 2WD||$200||$360||$418||$24||$126||$1,128||$94|
|CX-9 Sport AWD||$200||$360||$418||$24||$126||$1,128||$94|
|CX-9 Touring 2WD||$200||$360||$418||$24||$126||$1,128||$94|
|CX-9 Touring AWD||$200||$360||$418||$24||$126||$1,128||$94|
|CX-9 Grand Touring AWD||$222||$360||$418||$24||$126||$1,150||$96|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific location which can lower or raise premium rates greatly.
Poor driving habits will raise your car insurance rates
The chart below shows how speeding tickets and fender-benders can raise Mazda CX-9 insurance costs for different age groups. The costs are based on a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Annual premiums comparing men and women in Baltimore
The illustration below compares Mazda CX-9 auto insurance rates for male and female drivers. The data assumes no claims or driving violations, comp and collision included, $100 deductibles, single marital status, and no discounts are applied.
Cost comparison with and without full coverage
The diagram below illustrates the difference between Mazda CX-9 insurance costs with liability coverage only compared to full coverage. Data assumes no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There isn’t a steadfast formula of when to exclude full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Mazda CX-9 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 annually to have full coverage, then you might want to think about dropping full coverage.
There are some situations where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Cheaper rates with these nine discounts on Mazda CX-9 insurance in Baltimore
Auto insurance is not an enjoyable expense, but you might be missing out on some discounts that many people don’t even know exist. A few discounts will be applied when you quote, but once in a while a discount must be requested specifically before being credited.
- Data Collection Discounts – Baltimore drivers who agree to allow companies to scrutinize when and where they use their vehicle through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they have good driving habits.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Auto/Home Discount – If you combine your home and auto policies with the same insurance company you may save at least 10 to 15 percent or more.
- Low Miles Discount – Maintaining low annual mileage could be rewarded with slightly better premium rates than normal.
- Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Student Driver Training – Have your child enroll and complete driver’s education if it’s offered in school.
- Baltimore Homeowners Pay Less – Owning a home in Baltimore can earn you a little savings because of the fact that having a home shows financial diligence.
- Paper-free Discount – A few larger online companies will give a small break for buying a policy and signing up on your computer.
As a footnote on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you could get a free auto insurance policy, companies wouldn’t make money that way.
The information below visualizes the comparison of Mazda CX-9 insurance rates with and without discounts applied to the policy premium. The rates are based on a male driver, no tickets, no at-fault accidents, Maryland state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, multi-policy, safe-driver, and homeowner discounts applied.
Companies and a partial list of their discounts are outlined below.
- American Family discounts include good student, defensive driver, early bird, multi-vehicle, air bags, Steer into Savings, and mySafetyValet.
- Farm Bureau has discounts for driver training, renewal discount, multi-policy, good student, safe driver, and youthful driver.
- State Farm has savings for multiple policy, defensive driving training, Steer Clear safe driver discount, multiple autos, Drive Safe & Save, passive restraint, and accident-free.
- Travelers includes discounts for IntelliDrive, multi-policy, home ownership, payment discounts, save driver, and continuous insurance.
- The Hartford policyholders can earn discounts including bundle, vehicle fuel type, anti-theft, good student, air bag, and defensive driver.
- GEICO may have discounts that include membership and employees, anti-lock brakes, daytime running lights, seat belt use, anti-theft, and military active duty.
- Progressive may offer discounts for online quote discount, online signing, continuous coverage, homeowner, good student, multi-policy, and multi-vehicle.
If you want inexpensive Baltimore auto insurance quotes, ask each company to give you their best rates. Depending on the company, some discounts might not be offered on policies in Baltimore. If you would like to see a list of insurers who offer free Mazda CX-9 insurance quotes in Maryland, click here.
When to get advice from an insurance agent
A small number of people prefer to talk to a local agent and there is nothing wrong with that. Insurance agents can answer important questions and help you file claims. An additional benefit of comparing rates online is that you can obtain lower rates and still buy from a local agent. Buying from and supporting local agencies is definitely important in Baltimore.
After filling out this quick form, your insurance data gets sent to agents in your area that give free quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house since price quotes are sent directly to you. If you want to get a price quote from one company in particular, you just need to find their quoting web page to submit a rate quote request.
Pick the best auto insurance agent in Baltimore for you
If you are wanting to purchase insurance from an insurance agent, you should know the different types of agencies and how they can quote your rates. Insurance agents can be described as either independent agents or exclusive agents depending on their employer. Either one can do a good job, but it’s a good idea to understand the subtle differences because it can impact buying decisions.
Independent Insurance Agents (or Brokers)
Agents that elect to be independent do not write with just one company so as a result can place your coverage through lots of different companies and potentially find a lower price. If prices rise, your agent can just switch to a different company and you can keep the same agent. When shopping rates, you absolutely need to get rate quotes from at a minimum one independent agency to get the most accurate price comparison. They also have the ability to place coverage with smaller mutual companies which may have better rates.
Listed below are independent insurance agencies in Baltimore that can give you price quotes.
- Morgan Smith Insurance Agency
847 W 36th St – Baltimore, MD 21211 – (410) 889-9290 – View Map
- Rosasco and Yetter Insurance Agency
8831 Satyr Hill Rd #302 – Baltimore, MD 21234 – (410) 661-1440 – View Map
- Luray Insurance of Baltimore
1726 Reisterstown Rd #220 – Baltimore, MD 21208 – (410) 602-2636 – View Map
Exclusive Insurance Agencies
These agents can only provide one company’s prices such as Allstate, State Farm and Farm Bureau. They usually cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies are well trained on their products and sales techniques which helps them sell on service rather than price. Some insured continue to use the same agent primarily because of the prominence of the brand and solid financial strength.
Shown below are exclusive agents in Baltimore that can give you price quote information.
- Kennedy Ins Agency – Progressive Insurance
410 Ingleside Ave – Baltimore, MD 21214 – (410) 719-6006 – View Map
- Frank Insley – State Farm Insurance Agent
9652 Belair Rd – Baltimore, MD 21236 – (410) 256-5600 – View Map
- Allstate Insurance: John Fisher
7839 Eastpoint Mall Ste 4 – Baltimore, MD 21224 – (410) 285-8200 – View Map
Finding a good auto insurance agent requires you to look at more than just the price. The following questions are important to ask.
- Is there any savings for paying the full premium?
- Is auto insurance their primary focus in Baltimore?
- Do they have 24-hour customer assistance?
- Will they give you a referral list?
- Do they see any coverage gaps in your plan?
Car insurance company ratings
Buying coverage from the best auto insurance company can be challenging considering how many different insurance companies sell coverage in Maryland. The ranking data displayed below can help you analyze which car insurance companies you want to consider shopping your coverage with.
Top 10 Baltimore Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Baltimore Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Do I just need basic coverages?
When quoting and comparing proper insurance coverage, there really isn’t a “best” method to buy coverage. Your needs are not the same as everyone else’s.
For instance, these questions may help highlight if your situation will benefit from professional help.
- Are my tools covered if they get stolen from my vehicle?
- Do I need to call my car insurance company before buying a new car?
- Is my trailer covered?
- Can I insure my car for more than it’s worth?
- Do I need added coverage for expensive stereo equipment?
- When should I remove comp and collision on my Mazda CX-9?
- What is no-fault insurance?
- Am I covered if I wreck a rental car?
- What is motorclub and do I need it?
- Am I covered when driving on a suspended license?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Car insurance policy specifics
Knowing the specifics of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Collision – This pays for damage to your CX-9 resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like crashing into a ditch, sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible on your CX-9 in order to get cheaper collision rates.
Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Mazda CX-9.
Due to the fact that many Maryland drivers only purchase the least amount of liability that is required (which is 30/60/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for things like pain medications, doctor visits, dental work, EMT expenses and X-ray expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive protection – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as rock chips in glass, fire damage, hitting a deer, theft and damage from flooding. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Auto liability – This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 30/60/15 that means you have a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and a limit of $15,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things like funeral expenses, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy higher limits if possible. Maryland requires drivers to carry at least 30/60/15 but you should consider buying higher limits.
The chart below demonstrates why minimum state limits may not be adequate.
More comparisons equals affordable rates
Consumers change insurance companies for any number of reasons including poor customer service, policy cancellation, high prices and not issuing a premium refund. Regardless of your reason for switching companies, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.
Affordable Mazda CX-9 insurance in Baltimore can be sourced from both online companies and also from your neighborhood Baltimore agents, so you need to quote Baltimore auto insurance with both in order to have the best chance of saving money. There are still a few companies who do not provide internet price quotes and usually these small insurance companies only sell coverage through independent agents.
Throughout this article, we presented a lot of ways to lower your Mazda CX-9 insurance auto insurance rates in Baltimore. The key concept to understand is the more you quote Baltimore auto insurance, the better likelihood of getting the cheapest Mazda CX-9 rate quotes. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies.
More tips and info about car insurance can be read in these articles:
- Vehicle Insurance in the U.S. (Wikipedia)
- How Much are Auto Insurance Rates for a Chevrolet Silverado in Baltimore? (FAQ)
- Who Has Cheap Auto Insurance for Teenage Males in Baltimore? (FAQ)
- How Much are Auto Insurance Quotes for a Ford Fusion in Baltimore? (FAQ)
- Who Has the Cheapest Auto Insurance for Postal Workers in Baltimore? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Five Mistakes to Avoid (Insurance Information Institute)