2013 Mazda CX-5 Insurance Rates – 8 Savings Tips

Want the cheapest insurance rates for your Mazda CX-5? Are you sick and tired of being strong-armed each month for insurance? You’re in the same situation as millions of other people.

Many insurance companies vie to insure your vehicles, so it’s not easy to compare every insurer and uncover the absolute best rate

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is not that difficult. Nevertheless, consumers must comprehend how companies market insurance on the web and take advantage of how the system works.

The cheapest auto insurance price quotes

The majority of larger companies provide price estimates from their websites. Getting quotes is pretty easy because you just enter the amount of coverage you want into a form. After the form is submitted, the company’s rating system automatically orders your driving and credit reports and generates pricing information based on these and other factors. Being able to quote online helps simplify price comparisons, but the process of having to visit different websites and type in the same information is a waste of time. But it’s very important to get many rate quotes in order to find the best price on auto insurance.

There is a better way to compare rates

A more efficient way to locate the lowest prices makes use of a single form to return rates from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes quoting online much easier. As soon as the form is sent, it is quoted and you can select any or none of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To compare rates now, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend that you enter the insurance coverages as shown on your current policy. This guarantees you will receive rate comparison quotes using the exact same coverages.

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Take advantage of every car insurance discount

Car insurance companies don’t necessarily list all disounts in a way that’s easy to find, so the following list contains some of the more common in addition to some of the lesser obvious credits available to you.

• Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease for CX-5 insurance depending on your car insurance provider.
• Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.
• Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20 to 30 percent.
• Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
• Drive Less and Save – Maintaining low annual mileage could be rewarded with lower prices due to less chance of an accident.
• Student Discounts – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
• Include Life Insurance and Save – Select companies reward you with a discount if you purchase some life insurance too.
• No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies may permit one accident without raising rates if you are claim-free for a particular time prior to the accident.

Don’t be shocked that many deductions do not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Even though it appears adding up those discounts means a free policy, companies don’t profit that way. But all discounts will definitely lower the premium cost.

Larger car insurance companies and some of their more popular discounts are outlined below.

• Progressive has discounts for online quote discount, homeowner, multi-policy, online signing, good student, and multi-vehicle.
• Geico may have discounts that include daytime running lights, membership and employees, federal employee, multi-vehicle, multi-policy, and defensive driver.
• State Farm may offer discounts for accident-free, good driver, good student, anti-theft, multiple policy, and defensive driving training.
• Esurance offers discounts for homeowner, renters, anti-lock brakes, online shopper, anti-theft, multi-policy, and claim free.
• The Hartford may include discounts for anti-theft, vehicle fuel type, defensive driver, air bag, driver training, and good student.

When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to see a list of insurers with the best discounts, click here to view.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation would benefit from an agent’s advice.

• Does my medical payments coverage pay my health insurance deductible?
• Are all vehicle passengers covered by medical payments coverage?
• Do I pay less if my vehicle is kept in my garage?
• Do I have coverage when making deliveries for my home business?
• Is rental equipment covered for theft or damage?
• Is my babysitter covered when using my vehicle?
• Is my 2013 Mazda CX-5 covered for flood damage?
• How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage basics

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from auto insurance companies.

Collision protection

This coverage covers damage to your CX-5 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, hitting a parking meter, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like repair costs for stationary objects, attorney fees, medical expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like prosthetic devices, hospital visits, rehabilitation expenses, X-ray expenses and nursing services. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, a tree branch falling on your vehicle, damage from flooding, fire damage and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your 2013 Mazda CX-5.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

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Buy Smart and Save

Some insurance companies do not offer online quoting and usually these smaller providers prefer to sell through independent insurance agencies. More affordable insurance can be found both online in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis.

As you quote insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

More learning opportunities

• What is Covered by GAP Insurance? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)

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