If you want to find the absolute lowest rates, then the best way to find lower priced auto insurance rates is to regularly compare price quotes from companies who sell insurance in Lexington.
First, try to learn about how companies set rates and the things you can change to lower rates. Many factors that cause rate increases such as speeding tickets, accidents and an unfavorable credit rating can be eliminated by making minor changes to your lifestyle. Read the full article for more details to help prevent costly coverage and find overlooked discounts.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while independent agents can quote prices for a wide range of companies.
Third, compare the new rates to your existing rates to see if a cheaper price is available in Lexington. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
One piece of advice is to use similar deductibles and liability limits on every quote request and and to get prices from as many companies as feasibly possible. This guarantees the most accurate price comparison and the best price quote selection.
Unthinkable but true, nearly 70% of consumers have stayed with the same insurance company for at least the last four years, and just under half have never shopped around. Drivers in Lexington could save roughly 30% each year by just shopping around, but they don’t believe the amount of savings they would get if they replace their high priced policy.
This information will help you learn how insurance works and some tricks to saving. If you currently have auto insurance, you will surely be able to cut your premiums using this strategy. Drivers just need to learn the proper methods to find the lowest price online.
Best companies for low-cost Mazda CX-7 insurance in Kentucky
The companies shown below are ready to provide comparison quotes in Kentucky. If you wish to find the best cheap car insurance in KY, we recommend you click on several of them to find the most affordable auto insurance rates.
Mazda CX-7 insurance charts and tables
The rate information shown below showcases a range of insurance prices for Mazda CX-7 models. Being aware of how policy premiums are established can help you make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CX-7 SV 2WD | $252 | $426 | $326 | $20 | $98 | $1,122 | $94 |
| CX-7 Sport 2WD | $284 | $426 | $326 | $20 | $98 | $1,154 | $96 |
| CX-7 Touring 2WD | $284 | $426 | $326 | $20 | $98 | $1,154 | $96 |
| CX-7 Touring 4WD | $284 | $500 | $326 | $20 | $98 | $1,228 | $102 |
| CX-7 Grand Touring 2WD | $318 | $500 | $326 | $20 | $98 | $1,262 | $105 |
| CX-7 Grand Touring 4WD | $318 | $500 | $326 | $20 | $98 | $1,262 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific zip code location which can revise rates noticeably.
Mazda CX-7 insurance rates: Men versus women
The illustration below shows the difference between Mazda CX-7 insurance premiums for male and female drivers. The rate quotes are based on no violations or accidents, full coverage, $250 deductibles, drivers are single, and no discounts are applied.
Verify you’re applying every discount
Some companies do not list the complete list of policy discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden credits available to bring down your rates.
- Early Switch Discount – Some insurance companies provide a discount for signing up prior to the expiration date on your current CX-7 insurance policy. This can save 10% or more.
- Data Collection Discounts – Drivers who elect to allow data collection to look at when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
- Driver’s Ed – Have your child take driver’s ed class if offered at their school.
- Club Memberships – Being in qualifying clubs or civic groups could earn you a nice discount on insurance.
- Discount for Low Mileage – Low annual miles can earn better insurance rates on cars that stay parked.
- Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- College Student – Kids who are enrolled in a college that is more than 100 miles from Lexington and do not have access to a covered vehicle can be insured at a reduced rate.
- Defensive Driver Discounts – Participating in a course teaching defensive driver skills could possibly earn you a 5% discount and easily pay for the cost of the class.
As a sidenote, most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.
The information below visualizes the comparison of Mazda CX-7 car insurance costs with and without discounts. The premiums are based on a male driver, no violations or claims, Kentucky state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.
Larger insurance companies and the discounts they provide include:
- GEICO has savings for emergency military deployment, multi-vehicle, anti-lock brakes, multi-policy, anti-theft, and air bags.
- Mercury Insurance discounts include professional/association, type of vehicle, age of vehicle, anti-theft, and location of vehicle.
- Farmers Insurance includes discounts for mature driver, alternative fuel, good student, distant student, and bundle discounts.
- Auto-Owners Insurance policyholders can earn discounts including group or association, student away at school, company car, teen driver, paid in full, and multiple vehicles.
- Liberty Mutual may offer discounts for safety features, good student, multi-car, new graduate, newly married, and new move discount.
- SAFECO has discounts for teen safety rewards, bundle discounts, accident prevention training, homeowner, and anti-lock brakes.
- Progressive offers discounts for good student, online quote discount, multi-policy, online signing, multi-vehicle, and continuous coverage.
- USAA offers discounts including loyalty savings, multi-vehicle, annual mileage, vehicle storage, good student, and family discount.
Before purchasing a policy, check with all companies you are considering what discounts are available to you. Savings might not apply in Lexington. If you would like to view insurers that offer multiple discounts in Lexington, click this link.
Insurance agents can help
A small number of people prefer to have an agent’s advice and there is nothing wrong with that. Good agents can help you choose the best coverages and give you someone to call. One of the benefits of getting free rate quotes online is that drivers can save money and get cheap auto insurance quotes and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is important particularly in Lexington.
By using this form (opens in new window), the coverage information is instantly submitted to local insurance agents that provide free Lexington auto insurance quotes and help you find cheaper coverage. You won’t even need to even leave your home because quoted prices will be sent to you. If you need to get a rate quote from a specific company, just navigate to their website to submit a rate quote request.
When narrowing the list to find a local agent, it can be helpful to understand the different agency structures to choose from. Auto insurance agencies are considered either exclusive or independent. Either one can sell auto insurance policies, but it’s a good idea to understand the difference in the companies they write for since it could factor into the type of agent you choose.
Independent Agents (or Brokers)
Agents that elect to be independent often have many company appointments and that allows them to write policies amongst many companies and find the cheapest auto insurance rates. If you want to switch companies, they simply switch companies in-house which is easy for the insured.
When shopping rates, it’s recommended you get quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most also write with smaller companies who may have lower rates.
The following is a small list of independent agencies in Lexington that may be able to give free auto insurance rate quotes.
- Al Torstrick Insurance Agency
343 Waller Ave #101 – Lexington, KY 40504 – (859) 233-1461 – View Map - Kentucky Insurance Group-Joe Downs
989 Governors Ln – Lexington, KY 40513 – (859) 277-8877 – View Map - Nationwide Insurance: McGuire Insurance Agency, Inc
185 Pasadena Dr Ste 235 – Lexington, KY 40503 – (859) 268-2542 – View Map
Exclusive Agencies
Agents in the exclusive channel can only provide one company’s prices and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to place coverage with different providers so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point. Some people will only purchase coverage from exclusives partially due to the prominence of the brand rather than having low rates.
The following are exclusive agents in Lexington willing to provide rate quotes.
- Shelter Insurance – Dawan Hart
2050 Regency Rd – Lexington, KY 40503 – (859) 276-2661 – View Map - Stewart Perry – State Farm Insurance Agent
2128 Nicholasville Rd – Lexington, KY 40503 – (859) 277-7195 – View Map - Allstate Insurance: Mike Ison
2121 Richmond Rd Ste 145 – Lexington, KY 40502 – (859) 268-8850 – View Map
Selecting an auto insurance agent needs to be determined by more than just a cheap quote. Agents should be asked these questions:
- Does the agent help file claims?
- Can you get a list of referrals?
- Does the agent have a valid license to sell insurance in Kentucky?
- Do you need full coverage on every vehicle?
- Do the companies they represent have a solid financial rating?
- How often do they review coverages?
Best auto insurance in Lexington
Finding a high-quality insurance provider is hard considering how many different insurance companies sell coverage in Kentucky. The company information in the next section may help you select which auto insurers you want to consider when comparing rates.
Top 10 Lexington Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
- Esurance
Top 10 Lexington Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Car insurance policy coverages for a Mazda CX-7
Having a good grasp of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for pain medications, ambulance fees and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Mazda CX-7.
Due to the fact that many Kentucky drivers carry very low liability coverage limits (25/50/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like backing into a parked car, rolling your car, crashing into a building, colliding with a tree and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible on your CX-7 to save money on collision insurance.
Auto liability
This can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/10 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims such as attorney fees, bail bonds, pain and suffering and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. Kentucky state minimum liability requirements are 25/50/10 but it’s recommended drivers buy more coverage.
The next chart demonstrates why buying low liability limits may not be high enough to cover claims.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as hail damage, damage from flooding, rock chips in glass, falling objects and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
In the end, you can save money
Some insurance providers may not offer the ability to get quotes online and these regional carriers sell through independent agents. Discount Mazda CX-7 insurance can be purchased online and with local Lexington insurance agents, and you should be comparing both in order to have the best chance of saving money.
Throughout this article, we presented a lot of techniques to reduce Mazda CX-7 insurance auto insurance rates online in Lexington. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding inexpensive Lexington auto insurance quotes. You may even find the lowest auto insurance rates come from some of the smallest insurance companies.
When you buy Lexington auto insurance online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an insured cut liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage for the lowest cost while still protecting your assets.
Additional information can be read at these links:
- Preventing Carjacking and Theft (Insurance Information Institute)
- How Much are Auto Insurance Rates for Immigrants in Lexington? (FAQ)
- Who Has Cheap Auto Insurance Rates for Veterans in Lexington? (FAQ)
- Who Has Cheap Lexington Auto Insurance Rates for a Nissan Rogue? (FAQ)
- How Much is Auto Insurance for 16 Year Olds in Lexington? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Airbag FAQ (iihs.org)