Mazda CX-7 Insurance Quotes in Portland

It’s an obvious assumption that auto insurance companies don’t want you comparing rates. Insureds who rate shop once a year are likely to move their business because there is a good chance of finding a policy with better rates. A recent survey revealed that consumers who regularly compared rates saved about $865 annually compared to people who never compared other company’s rates.

If finding the cheapest price on car insurance is your intention, then learning about how to get price quotes and compare insurance premiums can make the process more efficient.

The best way to find cheaper Mazda CX-7 insurance in Portland is to make a habit of regularly comparing prices from insurers who sell auto insurance in Oregon.

First, get an understanding of how companies price auto insurance and the modifications you can make to keep rates low. Many rating criteria that cause rate increases like at-fault accidents, speeding tickets, and poor credit rating can be eliminated by being financially responsible and driving safely.

Second, request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices for a wide range of companies.

Third, compare the quotes to your existing rates and see if there is a cheaper rate in Portland. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide notification to your current company to cancel your existing policy. Submit the application along with any required down payment to the newly selected company. As soon as you can, place your new proof of insurance certificate with your registration paperwork.

The key thing to remember is that you use the same level of coverage on each quote request and and to get rates from as many auto insurance providers as possible. This helps ensure a fair price comparison and a better comparison of the market.

If you already have coverage or need a new policy, follow these tips to reduce premiums without having to cut coverage. Shopping around for cheaper auto insurance in Portland is actually quite simple. Consumers only need to know how to compare rates online from multiple companies.

The providers in the list below are ready to provide price quotes in Oregon. To buy cheap auto insurance in Oregon, we suggest you visit two to three different companies to get a more complete price comparison.

Insurance coverage details

The rate table displayed below highlights detailed analysis of coverage costs for Mazda CX-7 models. Having a better understanding of how car insurance prices are figured can aid in making decisions on which coverage to buy.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific zip code location which can impact price quotes considerably.

An analysis of deductible level

A question often asked by Portland drivers is how high should the physical damage coverage deductibles be. The comparisons below may help to illustrate the differences in price when you buy lower versus higher deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rates do not factor in your specific Portland location which can alter coverage rates substantially.

Based on these figures, using a $250 deductible will cost you roughly $25 more each month or $300 a year than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 30 months between claim filings, you would come out ahead by going with a higher deductible.

The chart below illustrates how choosing a deductible and can increase or decrease Mazda CX-7 yearly insurance costs for different age categories. The premium estimates are based on a married male driver, full coverage, and no other discounts are factored in.

Poor driving habits will raise your insurance rates

The illustration below shows how traffic citations and at-fault claims can drive up Mazda CX-7 insurance prices for different age categories. The premiums assume a single female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Get cheaper Mazda CX-7 insurance in Portland with discounts

Some companies don’t list the entire discount list very well, so we researched some of the more common as well as the least known credits available to bring down your rates.

• More Vehicles More Savings – Buying a policy with several vehicles with one company may reduce the rate for each vehicle.
• Student Discounts – Maintaining excellent grades can save 20 to 25%. The discount lasts up to age 25.
• Memberships – Participating in a professional or civic organization could trigger savings when getting a Portland auto insurance quote.
• Use Seat Belts – Drivers who require all occupants to buckle up can save 10% or more off PIP or medical payments premium.
• Discounts for Cautious Drivers – Insureds without accidents may save up to 50% more than drivers with accident claims.
• Save over 55 – If you’re over the age of 55, you may receive reduced rates.
• Life Insurance Discount – Companies who offer life insurance give a lower price if you buy life insurance.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic.

The example below visualizes the comparison of Mazda CX-7 auto insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, a clean driving record, no at-fault accidents, Oregon state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, claim-free, and multi-policy discounts applied.

To see insurers offering car insurance discounts in Oregon, follow this link.

Insurance does more than just repair your car

Despite the fact that insurance is not cheap in Portland, insurance is mandatory in Oregon but it also protects more than you think.

• Almost all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability protection in order to license the vehicle. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If you took out a loan on your vehicle, almost every bank will force you to buy full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Mazda at a much higher premium rate and require you to pay for it.
• Insurance preserves not only your car but also your financial assets. It will also provide coverage for medical transport and hospital expenses that are the result of an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If mother nature or an accident damages your car, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of having insurance outweigh the cost, especially when you need to use it. On average, a vehicle owner in Portland is currently overpaying as much as $820 a year so it’s very important to do a rate comparison once a year at a minimum to save money.

You are unique and your auto insurance should be too

Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there really isn’t a “best” method to buy coverage. Every insured’s situation is different and your auto insurance should unique, too.
For instance, these questions can help discover whether your personal situation might need an agent’s assistance.

• Are my custom wheels covered?
• Am I covered while delivering pizza?
• Do I need replacement cost coverage on my Mazda CX-7?
• Which companies are cheaper for teen drivers?
• What if I owe more than I can insure my car for?
• Who sells insurance for high-risk drivers?
• Am I insured when driving a different vehicle?
• Are all vehicle passengers covered by medical payments coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Exclusive and independent auto insurance agents

Some people just prefer to go talk to an agent and that is recommended in a lot of cases Licensed agents can help you build your policy and help you file claims. A nice benefit of comparing rate quotes online is the fact that drivers can get lower premium rates and also buy local.

Once you complete this simple form, your insurance coverage information is emailed to insurance agents in Portland that can provide free Portland auto insurance quotes to get your business. You won’t need to visit any agencies since price quotes are sent immediately to your email address. If you want to quote rates from a specific insurance provider, you would need to navigate to their website and give them your coverage information.

Deciding on a insurance company needs to be determined by more than just a cheap quote. Here are some questions you should ask.

• Is the agency active in community causes in Portland?
• Can they give you a list of client referrals?
• When do they do policy reviews?
• Do they specialize in personal lines auto insurance in Portland?
• Does the agency have a positive business rating?
• Do they get extra compensation for selling add-on coverages?
• Is working in the agency their full-time job?

If you are wanting to find a good Portland insurance agent, there are a couple of different types of agencies and how they work. Insurance agencies in Portland can either be exclusive agents or independent agents. Either type can properly insure your vehicles, but it is important to understand the differences because it can influence which agent you choose.

Exclusive Insurance Agents

Exclusive insurance agents can only quote rates from one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to provide prices from multiple companies so keep that in mind. Exclusive insurance agents are well schooled on their products and sales techniques and that allows them to sell at a higher price point. Some insured continue to use the same agent mostly because of the prominent brand name rather than having low rates.

Listed below are Portland exclusive agencies that can give you comparison quotes.

• Lisa Parks – State Farm Insurance Agent
  11116 NE Halsey St A – Portland, OR 97220 – (503) 256-3077 – View Map
• Doug Menely – State Farm Insurance Agent
  8606 SE 17th Ave – Portland, OR 97202 – (503) 238-1903 – View Map
• Chris Lawson – State Farm Insurance Agent
  3118 NE Broadway St – Portland, OR 97232 – (503) 282-4569 – View Map

View more agents

Independent Insurance Agencies

Independent insurance agents do not sell for just one brand so as a result can place your coverage through lots of different companies and possibly get better coverage at lower prices. If premiums increase, they simply move the coverage in-house and you can keep the same agent.

When shopping rates, you absolutely need to include rate quotes from a couple of independent agencies to have the best price comparison. A lot of them also have access to companies you’ve never heard of that can offer cheaper rates than bigger companies.

Below are Portland independent agents that are able to give price quotes.

• Nationwide Insurance: Eric L Weber Agency
  4415 NE Sandy Blvd Ste 200 – Portland, OR 97213 – (503) 249-7667 – View Map
• Fournier Group
  510 SW 5th Ave #701 – Portland, OR 97204 – (503) 251-2255 – View Map
• Wix Insurance Agency
  8037 SE Stark St – Portland, OR 97215 – (503) 760-6826 – View Map

View more agents

Upon getting good feedback to any questions you may have as well as an affordable premium quote, most likely you have located an auto insurance agent that meets the criteria to provide insurance coverage. Just keep in mind you have the power to terminate your policy at any point so never assume you’re contractually obligated to a specific company for a certain time period.