Cheap 2012 Mazda 2 Insurance Quotes

Looking for cheaper car insurance rates for your Mazda 2? There isn’t anyone who rejoices having to buy car insurance, in particular when it costs too dang much. You have so many auto insurance companies to choose from, and although it’s a good thing to have multiple companies, having more insurers makes it harder to find the best rates.

Save money by taking advantage of discounts

Some insurers don’t always publicize the complete list of policy discounts very clearly, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious discounts that may be available. If you don’t get every credit you deserve, you’re paying more than you need to.

• Passive Restraints and Air Bags – Options like air bags may get savings of up to 25% or more.
• Active Service Discounts – Having a family member in the military can result in better premium rates.
• Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for 2 coverage than their less cautious counterparts.
• Telematics Devices – Insureds who allow their insurance company to scrutinize driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they exhibit good driving behavior.
• Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
• Accident Waiver – Not really a discount, but some insurance companies will let one accident slide before your rates go up if you have no claims prior to being involved in the accident.
• Theft Deterent System – Cars and trucks that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.

One thing to note about discounts is that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, you won’t be that lucky.

Companies and a partial list of their discounts can be found below.

• Geico includes discounts for anti-lock brakes, five-year accident-free, military active duty, driver training, federal employee, good student, and air bags.
• SAFECO may offer discounts for accident prevention training, anti-theft, homeowner, anti-lock brakes, teen safe driver, and multi-car.
• State Farm offers premium reductions for safe vehicle, driver’s education, good driver, good student, passive restraint, student away at school, and multiple policy.
• MetLife discounts include accident-free, claim-free, good student, defensive driver, multi-policy, good driver
• 21st Century has discounts for defensive driver, 55 and older, theft prevention, early bird, homeowners, air bags, and student driver.
• Progressive has savings for good student, multi-policy, online signing, homeowner, multi-vehicle, online quote discount, and continuous coverage.

It’s a good idea to ask each company which credits you are entitled to. Discounts may not apply to policies in your area. To see a list of insurance coverage companies with the best insurance coverage discounts, click here to view.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare insurance coverage rate quotes

There are a variety of methods to shop for insurance coverage, but one way is less time-consuming than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

Many insurance companies take part in a program that enables customers to send in one quote, and at least one company provides a quote based on the submitted data. This eliminates the need for repetitive form submissions to every company.

To access this free quoting program, click here to open in new window.

The one disadvantage to using this type of system is that you can’t choose the companies you want pricing from. If you wish to select specific insurance companies to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

The approach you take is up to you, just ensure you are comparing exactly the same coverage information for every company. If you are comparing different deductibles it will be next to impossible to truly determine the lowest rate.

Smart buyers save more

When buying insurance coverage it’s important to understand a few of the rating criteria that help determine your premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that may result in lower insurance coverage prices. Many different elements are used when you get your auto insurance bill. Some factors are common sense such as your driving record, but other factors are not quite as obvious like where you live and annual miles driven.

The factors shown below are some of the most common factors used by companies to determine your rate level.

• Your career may increase premiums – Careers such as military generalsair traffic controllers and stock brokers generally pay higher premiums than the average policyholder due to intense work-related stress and extremely grueling work hours. On the flip side, occupations like scientists, students and homemakers generally pay rates lower than average for 2 coverage.
• Discounts for married drivers – Being married can actually save you money on your insurance coverage policy. Having a significant other is viewed as being more responsible and statistics show being married results in fewer claims.
• Car plus home equals more savings – Lots of insurance coverage companies allow better rates to clients who have multiple policies with them. It’s known as a multi-policy discount. If you currently are using one company, drivers will still want to comparison shop to confirm you are receiving the best rates possible. It’s possible to still save more without the discount by buying insurance from more than one company.
• Liability claims can be big – Your policy’s liability coverage is the coverage that protects you if ever you are responsible for causing damage or personal injury in an accident. This coverage provides you with a defense in court starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

How much auto insurance do I need?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

• How can I get my company to pay me more for my totalled car?
• Am I missing any policy discounts?
• What can I do if my company denied a claim?
• What vehicles should carry emergency assistance coverage?
• Do I need replacement cost coverage on my 2012 Mazda 2?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered when driving on a suspended license?
• Am I covered if I crash into my own garage door?
• Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but you think they might apply to your situation 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’s fast, free and can help protect your family.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Smaller companies may have the best rates

Consumers constantly see and hear ads that claim the lowest rates from companies such as Allstate and Progressive. They all tend to make the same promise that you’ll save big if you change your car insurance policy to them.

How do they all charge you less for auto insurance? Here is how they do it.

All the different companies have a preferred profile for the type of customer that will most likely be profitable. An example of this type of insured might be described as over the age of 50, carries high limits, and drives a car with an anti-theft system. A driver that matches those criteria gets the lowest rates and will most likely pay quite a bit less when switching companies.

Insureds who fall short of these stringent criteria may be required to pay higher rates and this results in business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone who quotes” save money. That is how insurance companies can confidently advertise the way they do.

That is why drivers must compare rate quotes every year. It is impossible to predict with any certainty which company will have the best premium rates for your profile.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, hail damage and a broken windshield. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like chiropractic care, rehabilitation expenses, surgery and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance covers damage to your 2 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, crashing into a building, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance – Liability coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, legal defense fees, attorney fees and medical services. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Make a quick buck

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped full coverage and discovered at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Cheap 2012 Mazda 2 insurance can be purchased from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies may not offer the ability to get quotes online and these small insurance companies only sell through local independent agencies.

For more information, feel free to browse these articles:

• Safe Vehicles for Teens (iihs.org)
• Car Insurance FAQ (Trusted Choice)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Rollover Crash FAQ (iihs.org)
• Safety Features for Your New Car (State Farm)
• Drunk Driving Statistics (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption