The recommended way to find the cheapest price for auto insurance rates is to regularly compare prices from companies who provide car insurance in Raleigh.
- First, take a little time to learn about how insurance works and the steps you can take to keep rates down. Many policy risk factors that drive up the price such as speeding tickets, careless driving and a poor credit rating can be rectified by making minor driving habit or lifestyle changes.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple sources.
- Third, compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find a better price, make sure coverage is continuous and does not lapse.
- Fourth, provide adequate notice to your current company of your intent to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new company or agent. Don’t forget to safely store the certificate of insurance in an easily accessible location.
One key aspect when comparing rates is to make sure you’re comparing similar deductibles and liability limits on every quote request and and to get quotes from as many companies as possible. This ensures a fair price comparison and a thorough selection of prices.
Surprisingly, a recent survey revealed that most consumers have remained with the same auto insurance company for a minimum of four years, and 38% of drivers have never compared rates to find affordable insurance. The average driver in North Carolina could save themselves approximately $100 a year, but they don’t want to take the time to compare rate quotes.
If you are paying for car insurance now, you stand a good chance to be able to get lower rates using the following tips. Finding and buying affordable car insurance in Raleigh is not that difficult. Although North Carolina vehicle owners must comprehend the methods companies use to calculate their prices and take advantage of how the system works.
Low Cost companies for Mazda CX-9 insurance
The companies shown below are ready to provide price comparisons in Raleigh, NC. In order to find cheap auto insurance in Raleigh, it’s highly recommended you compare several of them to get the most competitive price.
Rates and statistics
The premium information displayed next outlines detailed analysis of insurance coverage prices for Mazda CX-9 models. Having a better idea how premiums are determined helps drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $152 | $204 | $326 | $20 | $98 | $800 | $67 |
| CX-9 Grand Touring 2WD | $152 | $240 | $326 | $20 | $98 | $836 | $70 |
| CX-9 Sport AWD | $152 | $240 | $326 | $20 | $98 | $836 | $70 |
| CX-9 Touring 2WD | $152 | $240 | $326 | $20 | $98 | $836 | $70 |
| CX-9 Touring AWD | $152 | $240 | $326 | $20 | $98 | $836 | $70 |
| CX-9 Grand Touring AWD | $170 | $240 | $326 | $20 | $98 | $854 | $71 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in zip code location which can increase or decrease auto insurance rates noticeably.
Rate comparison for different deductibles
When comparing car insurance rates, the most common question is at what level do you set your deductibles. The comparison tables below can help show how much more you’ll pay when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| CX-9 Grand Touring 2WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| CX-9 Sport AWD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| CX-9 Touring 2WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| CX-9 Touring AWD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| CX-9 Grand Touring AWD | $270 | $456 | $250 | $14 | $74 | $1,089 | $91 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-9 Sport 2WD | $134 | $204 | $250 | $14 | $74 | $676 | $56 |
| CX-9 Grand Touring 2WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| CX-9 Sport AWD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| CX-9 Touring 2WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| CX-9 Touring AWD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| CX-9 Grand Touring AWD | $150 | $240 | $250 | $14 | $74 | $728 | $61 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can modify price quotes noticeably.
Using the premium rates above, we can conclude that using a $100 deductible will cost you about $29 more each month or $348 annually across all Mazda CX-9 models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 31 months between claims, you would save money by going with a higher deductible.
The diagram below shows how different deductible levels and can impact Mazda CX-9 insurance prices for different insured age categories. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied.
Does it make sense to buy full coverage?
The chart below illustrates the difference between Mazda CX-9 auto insurance costs with and without full coverage. The price estimates are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are applied.
When to drop full coverage
There is no set guideline for eliminating physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Mazda CX-9 replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $5,000 after you pay the deductible. If premiums are more than $500 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some cases where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Lower Your Raleigh Insurance Costs
One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help determine the rates you pay for auto insurance. If you know what impacts premium levels, this allows you to make educated decisions that may reward you with much lower annual insurance costs. Lots of things are considered when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are more transparent such as your credit history or your financial responsibility.
Bad driving means higher costs – Being a careful driver can have a huge impact on auto insurance premiums. Attentive drivers get better prices than bad drivers. Having a single speeding ticket can boost insurance rates twenty percent or more. Drivers unfortunate enough to have flagrant citations such as DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
The diagram below shows how speeding tickets and accidents influence Mazda CX-9 auto insurance rates for different age groups. The information is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Protect yourself with liability insurance – The liability section of your policy will protect you in the event that you are responsible for causing personal injury or damage in an accident. It provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Annual mileage impacts prices – Driving a lot of miles in a year the more you’ll pay to insure it. Many insurance companies apply a rate partially by how you use the vehicle. Vehicles that do not get driven very much can get a lower rate than vehicles that are driven to work every day. It’s a good idea to make sure your auto insurance coverage reflects the correct driver usage, because improper ratings can cost you money. An incorrectly rated CX-9 can result in significantly higher rates.
Marriage discount – Being married can actually save you money compared to being single. Marriage usually means you are more stable financially and statistics prove being married results in fewer claims.
How credit score affects auto insurance premiums – Your credit score is likely to be a major factor in calculating your auto insurance rates. People with high credit scores tend to be more responsible than drivers who have lower ratings. Therefore, if your credit score can be improved, you could potentially save money when insuring your Mazda CX-9 by improving your credit score.
Vehicle theft costs us all – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms can thwart car theft and help bring rates down.
Cheaper to insure women? – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Men and women are responsible for auto accidents in similar percentages, but men get into accidents with more damage. Not only that, but men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
The information below shows the difference between Mazda CX-9 car insurance rates for male and female drivers. The prices are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are taken into consideration.
Too many claims and you’ll pay more – Auto insurance companies in North Carolina provide discounts to drivers who do not file claims often. If you’re an insured who likes to file claims you can expect much higher rates or policy non-renewal. Auto insurance is designed for larger claims.
Mazda CX-9 insurance loss data – Insurers take into consideration historical loss data for every vehicle when determining insurance costs. Models that are shown to have higher number or severity of losses will cost more to insure.
The data below shows the actual insurance loss data for Mazda CX-9 vehicles. For each policy coverage type, the statistical loss for all vehicles, as a total average, is a value of 100. Percentage values below 100 suggest a better than average loss history, while percentages above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.
| Vehicle Make and 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 from IIHS.org for 2013-2015 Model Years
Don’t neglect these discounts on Mazda CX-9 insurance in Raleigh
Companies offering auto insurance don’t always publicize all their discounts very well, so the below list has a few of the more common and also the lesser-known credits available to bring down your rates.
- Early Renewal Discounts – A few companies give discounts for buying a new policy prior to the expiration date on your current CX-9 insurance policy. You can save around 10% with this discount.
- Homeowners Savings – Simply owning a home can earn you a little savings due to the fact that maintaining a home means you have a higher level of financial diligence.
- Senior Citizen Rates – Drivers that qualify as senior citizens can get better car insurance rates.
- E-sign – A few larger companies will give a small break just for signing your application on your computer.
- Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company they may give you a discount of approximately 10% to 15%.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
- ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
- Low Miles Discount – Driving less could be rewarded with substantially lower premium rates.
- Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.
The example below shows the difference between Mazda CX-9 auto insurance rates with and without discounts applied. The information is based on a male driver, no violations or accidents, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
To choose companies that offer many of these discounts in North Carolina, follow this link.
Compare rate quotes but work with a neighborhood Raleigh auto insurance agent
Some people still like to go talk to an agent and that is not a bad decision A nice benefit of comparing rate quotes online is the fact that drivers can get lower rates and still have a local agent. And providing support for local insurance agents is important particularly in Raleigh.
Upon completion of this simple form, the coverage information is instantly submitted to agents in your area who will gladly provide quotes for your coverage. You never need to drive around because quoted prices will be sent immediately to you. You can get cheaper auto insurance rates without a big time investment. If you need to get a rate quote from a specific company, feel free to jump over to their website and submit a quote form there.
Best auto insurance agent in Raleigh
When narrowing the list to find a reliable agent, it’s important to understand the different types of agencies and how they differ in how they can insure your vehicles. Raleigh agents can be categorized as either exclusive or independent (non-exclusive).
Independent Auto Insurance Agencies or Brokers
Independent insurance agents are normally appointed by many insurers and that gives them the ability to insure with an assortment of companies and get you the best rates possible. If they quote lower rates, they simply move your policy to a different company and you don’t have to do anything. When searching for an agent, we recommend you check rates from several independent insurance agents to get the most accurate price comparison. Most have the option of insuring with smaller companies which could offer lower prices.
Below is a small list of independent agencies in Raleigh who may be able to give you free auto insurance quotes.
- HealthMarkets Insurance Agency
3700 National Dr #100 – Raleigh, NC 27612 – (919) 720-4724 – View Map - Nationwide Insurance: Carter Glass Insurance Agency
5901 Falls of Neuse Rd – Raleigh, NC 27609 – (919) 872-1778 – View Map - Young Insurance Associates, Inc
2609 Atlantic Ave #107 – Raleigh, NC 27604 – (919) 322-4186 – View Map
Exclusive Agencies
Agents that elect to be exclusive generally can only insure with one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are well schooled on the products they sell which aids in selling service over price. Consumers frequently choose to use an exclusive agent mainly due to the brand and strong financial ratings.
Below are exclusive insurance agencies in Raleigh that can give you price quote information.
- Lindsay Gianni – State Farm Insurance Agent
12333 Strickland Rd #106 – Raleigh, NC 27613 – (919) 329-2913 – View Map - Allstate Insurance: Thomas Walters
5620 Six Forks Rd Ste 103 – Raleigh, NC 27609 – (919) 848-8105 – View Map - Anthony Sykes – State Farm Insurance Agent
4030 Wake Forest Rd Ste 106 – Raleigh, NC 27609 – (919) 850-0560 – View Map
Selecting an auto insurance agent is decision based upon more than just the price. Here are some questions to ask:
- What discounts might you be missing?
- If your car is totaled, how to they determine the replacement cost?
- Is coverage determined by price?
- What is their Better Business Bureau rating?
- Is the coverage adequate for your vehicle?
Best car insurance company in Raleigh
Selecting a high-quality insurance company can be a challenge considering how many companies are available to choose from in Raleigh. The rank data in the lists below can help you decide which companies you want to consider when shopping your coverage around.
Top 10 Raleigh Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Different people need different car insurance coverages
Keep in mind that when it comes to choosing coverage, there really isn’t a one size fits all plan. Every insured’s situation is different.
Here are some questions about coverages that might help in determining if your situation may require specific advice.
- Are there companies who specialize in insuring high-risk drivers?
- Should I rate my Mazda CX-9 as pleasure use or commute?
- Can I cancel at any time?
- Do I need higher collision deductibles?
- Is my dog or cat covered if injured in an accident?
- How much coverage applies to personal belongings?
If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.
Find affordable rates by being thorough
Affordable Mazda CX-9 insurance in Raleigh can be found online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get a quote online and these smaller companies sell through independent insurance agencies.
People change insurance companies for many reasons like being labeled a high risk driver, high prices, not issuing a premium refund or even extreme rates for teen drivers. It doesn’t matter what your reason, switching auto insurance companies is less work than it seems.
When getting Raleigh car insurance quotes online, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability limits or collision coverage and learned later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.
Much more information about auto insurance in North Carolina is located at the links below
- Neck Injury FAQ (iihs.org)
- How Much is Car Insurance for Ride Shares in Raleigh? (FAQ)
- What Auto Insurance is Cheapest for Good Drivers in Raleigh? (FAQ)
- Information for Teen Drivers (GEICO)
- Side Impact Crash Tests (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)
- Electronic Stability Control FAQ (iihs.org)