Find Cheaper Mazda CX-9 Insurance in Plano

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A recent auto insurance study discovered that most auto insurance buyers have purchased from the same company for more than four years, and virtually 40% of consumers have never compared rates to find lower-cost insurance. The average driver in Texas could save as much as $1,770 each year, but they don't want to take the time to go online and compare rates.

Insurance for Mazda CX-9If your goal is the lowest price, then the best way to find cheaper quotes for Mazda CX-9 insurance in Plano is to start doing a yearly price comparison from insurers who can sell car insurance in Texas. Drivers can shop around by following these steps.

First, take a few minutes and learn about what is in your policy and the measures you can take to keep rates low. Many rating factors that drive up the price like distracted driving and an unacceptable credit history can be amended by making minor driving habit or lifestyle changes. Continue reading for additional tips to keep prices down and get bigger discounts that may have been overlooked.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can provide rate quotes for many different companies.

Third, compare the new rate quotes to your current policy to determine if switching companies saves money. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, notify your agent or company of your decision to cancel your current auto insurance policy. Submit the completed application along with a down payment for the new policy. Don't forget to keep your new certificate verifying coverage along with your vehicle registration.

One key aspect when comparing rates is that you'll want to compare identical deductibles and limits on each price quote and and to get quotes from all possible companies. Doing this provides a level playing field and the most accurate and complete price analysis.

Auto insurance providers offering affordable price quotes in Texas

The auto insurance companies shown below are ready to provide price quotes in Texas. To locate cheaper auto insurance in Texas, we recommend you compare several of them in order to get a fair rate comparison.

Coverage statistics and figures

The coverage information shown below outlines different insurance rates for Mazda CX-9 models. Understanding how insurance prices are figured can assist in making smart choices when purchasing an auto insurance policy.

Mazda CX-9 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $326 $570 $462 $28 $138 $1,524 $127
CX-9 Grand Touring 2WD $326 $672 $462 $28 $138 $1,626 $136
CX-9 Sport AWD $326 $672 $462 $28 $138 $1,626 $136
CX-9 Touring 2WD $326 $672 $462 $28 $138 $1,626 $136
CX-9 Touring AWD $326 $672 $462 $28 $138 $1,626 $136
CX-9 Grand Touring AWD $362 $672 $462 $28 $138 $1,662 $139
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in Plano location which can revise insurance rates greatly.

Should you raise deductibles?

A question often asked by Plano drivers is which deductibles should you choose. The comparison tables below determine the premium difference of buying low and high deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Mazda CX-9 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $370 $592 $382 $22 $114 $1,505 $125
CX-9 Grand Touring 2WD $370 $698 $382 $22 $114 $1,611 $134
CX-9 Sport AWD $370 $698 $382 $22 $114 $1,611 $134
CX-9 Touring 2WD $370 $698 $382 $22 $114 $1,611 $134
CX-9 Touring AWD $370 $698 $382 $22 $114 $1,611 $134
CX-9 Grand Touring AWD $412 $698 $382 $22 $114 $1,653 $138
Get Your Own Custom Quote Go
Mazda CX-9 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CX-9 Sport 2WD $270 $400 $382 $22 $114 $1,188 $99
CX-9 Grand Touring 2WD $270 $472 $382 $22 $114 $1,260 $105
CX-9 Sport AWD $270 $472 $382 $22 $114 $1,260 $105
CX-9 Touring 2WD $270 $472 $382 $22 $114 $1,260 $105
CX-9 Touring AWD $270 $472 $382 $22 $114 $1,260 $105
CX-9 Grand Touring AWD $300 $472 $382 $22 $114 $1,290 $108
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in zip code location which can affect prices greatly.

Based on the data above, we can derive that using a $100 deductible will cost you about $28 more each month or $336 annually than selecting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 14 months between claims, you would probably be better off if you elect the higher deductible.

The information below illustrates how your choice of deductibles and can influence Mazda CX-9 annual premium costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

You may qualify for discounts for Mazda CX-9 insurance in Plano

Insurance is not inexpensive, but there are discounts available that could drop your premiums quite a bit. Certain discounts will be applied when you purchase, but some discounts are required to be requested specifically prior to receiving the credit.Insurance discounts

  • Air Bag Discount - Vehicles equipped with air bags can receive discounts of up to 25% or more.
  • Driving Data Discount - Plano drivers who agree to allow their company to track driving manner remotely like In-Drive from State Farm and Progressive's Snapshot might get better premium rates if they show good driving skills.
  • Multi-line Discount - Select insurance companies reward you with a discounted price on car insurance if you buy life insurance from them.
  • Early Signing - Some insurance companies give discounts for buying a new policy before your current CX-9 insurance policy expires. This discount can save up to 10%.
  • Paper-free Discount - Many insurance companies will give a small break shop Plano auto insurance digitally online.
  • Distant Student - Children who live away from home at college and do not have a car could get you a discount.

A quick disclaimer, some credits don't apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren't that generous.

The diagram below illustrates the comparison of Mazda CX-9 insurance prices with and without discounts applied. The rates are based on a male driver, no tickets, no at-fault accidents, Texas 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 homeowner, multi-policy, marriage, claim-free, multi-car, and safe-driver discounts applied.

A list of companies and some of their more popular discounts can be read below.

  • The Hartford includes discounts for anti-theft, defensive driver, good student, driver training, bundle, and air bag.
  • American Family may offer discounts for TimeAway discount, mySafetyValet, good driver, multi-vehicle, air bags, and early bird.
  • Progressive may have discounts that include multi-vehicle, continuous coverage, multi-policy, online quote discount, and online signing.
  • Travelers offers discounts for IntelliDrive, student away at school, multi-car, payment discounts, and multi-policy.
  • Farmers Insurance discounts include switch companies, distant student, early shopping, business and professional, bundle discounts, teen driver, and electronic funds transfer.
  • USAA offers premium reductions for loyalty savings, defensive driver, annual mileage, safe driver, vehicle storage, multi-policy, and family discount.
  • Liberty Mutual policyholders can earn discounts including new graduate, exclusive group savings, newly retired, safety features, and new vehicle discount.

When getting free Plano auto insurance quotes, it's a good idea to all the companies which credits you are entitled to. Some discounts listed above may not apply to policies in Plano.

Buy Mazda CX-9 Insurance More Affordably

Many different elements are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, but others are more transparent such as your credit history or how safe your car is.

  • Prices can change based on your address - Choosing to live in a rural area has it's advantages when talking about car insurance. Residents of big cities have to deal with more aggressive driving styles and more time behind the wheel. Less people living in that area means fewer accidents and a lower car theft rate.
  • Higher rates for tough jobs - Occupational choices like fire fighters, air traffic controllers, and accountants usually pay the highest average rates attributed to intense work situations and long work days. Conversely, occupations such as scientists, historians and homemakers pay the least.
  • Save by driving less - Driving more miles in a year's time the higher your rates will be. Almost all companies calculate rates determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate compared to those used for work or business. An incorrectly rated CX-9 is throwing money out the window. Verify your declarations sheet states the correct driver usage.
  • A good credit rating can save money - Having a bad credit history will be a significant factor in determining what you pay. People that have very high credit ratings tend to file fewer claims and have better driving records than drivers with bad credit. If your credit history can use some improvement, you may save money insuring your Mazda CX-9 if you improve your credit rating.
  • Driving citations will cost you - Even a single speeding ticket can increase the cost of insurance substantially. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Drivers who have severe tickets such as DUI, reckless driving or excessive speeding are required to complete a SR-22 with their state DMV in order to legally drive a vehicle.

    The information below demonstrates how speeding tickets and fender-benders can increase Mazda CX-9 car insurance costs for different categories of driver ages. The premiums are based on a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

  • Mazda CX-9 claim data - Auto insurance companies take into consideration historical loss data for every vehicle to help set a rate to offset losses. Vehicles that the data determines to have increased claim numbers or amounts will have higher premium rates. The information below illustrates the historical loss data for Mazda CX-9 vehicles.

    For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Percentages below 100 are indicative of better than average losses, while percentage values above 100 indicate a higher chance of having a claim or tendency to have larger claims.

    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
    BETTER
    AVERAGE
    WORSE

    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Exclusive or independent car insurance agents

A lot of people just want to go talk to an agent and that is a personal choice. Experienced insurance agents are trained to spot inefficiencies and give you someone to call. One of the benefits of comparing rates online is you can get the lowest rates and still have a local agent.

Plano insurance agentsFor easy comparison, once you complete this form (opens in new window), your information is immediately sent to local insurance agents that provide free Plano auto insurance quotes and help you find cheaper coverage. You won't even need to leave your house because quoted prices will be sent directly to you. If you want to get a price quote from a specific insurance company, you would need to jump over to their website and give them your coverage information.

Finding the right insurance company shouldn't rely on just the quoted price. The following questions are important to ask.

  • What insurance companies do they work with in Plano?
  • If independent agents, which companies do they recommend?
  • Who are their largest clients?
  • Who is covered by the car insurance policy?
  • Will one accident increase rates?
  • How is replacement cost determined on your vehicle?

Independent or Exclusive: It's your choice

When looking for a reliable agent, it helps to know the two types of insurance agents and how they can write your policy. Car insurance agencies are categorized either exclusive or independent (non-exclusive). Both types can properly insure your vehicles, but it's important to point out the difference between them because it may have an impact on buying decisions.

Exclusive Insurance Agencies

Agents in the exclusive channel can usually just insure with one company such as State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to place coverage with different providers so keep that in mind. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps offset the inability to provide other markets.

Shown below are Plano exclusive agents willing to provide comparison quotes.


4670 McDermott Rd #206 - Plano, TX 75024 - (972) 867-2778 - View Map


280 Legacy Dr #250 - Plano, TX 75023 - (972) 575-9100 - View Map


2301 N Central Expy #260 - Plano, TX 75075 - (972) 423-7667 - View Map

More Plano agents

Independent Car Insurance Agents

Agents of this type do not have single company limitations so they can insure your vehicles amongst many companies and find the cheapest rate. If your agent finds better pricing, they simply switch companies in-house and you can keep the same agent.

When shopping rates, you will definitely want to include a few independent agents to get the best comparison.

Listed below are Plano independent agents that can give you price quotes.


1145 14th St #2117 - Plano, TX 75074 - (972) 398-0001 - View Map


6305 Preston Rd Suite 1000 - Plano, TX 75024 - (972) 473-4813 - View Map


2504 K Ave #400 - Plano, TX 75074 - (972) 423-4348 - View Map

More Plano agents

Once you have positive responses to these questions as well as an affordable premium quote, you may have found a car insurance agent that meets the criteria to service your policy.

Persistent drivers can save

As you shop your coverage around, it's a bad idea to buy less coverage just to save a little money. Too many times, consumers will sacrifice full coverage only to regret they didn't have enough coverage. The goal is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

Throughout this article, we presented many tips how you can compare Mazda CX-9 insurance prices in Plano. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the best prices are with some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

Additional learning opportunities