2013 Mazda Mazda2 Car Insurance Rates

Drivers have a choice when trying to find the lowest priced Mazda Mazda2 insurance. They can either waste time driving around getting price quotes or use the internet to make rate comparisons. There are more efficient ways to shop for insurance coverage and you need to know the absolute fastest way to compare rates for a new or used Mazda and find the best price possible from both online companies and local agents.

You should make it a habit to compare premium rates every six months because insurance rates trend upward over time. Just because you found the lowest premium rates for Mazda2 insurance at your last renewal you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance coverage online, but in this article, you’re going to get some of the best techniques to stop overpaying for insurance.

Don’t miss these money-saving discounts

Car insurance companies don’t list every policy discount very clearly, so the list below details a few of the more common and the harder-to-find credits that may apply to you. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

• New Vehicle Savings – Buying a new car model can cost up to 25% less since new model year vehicles are generally safer.
• Membership in Organizations – Joining certain professional organizations could earn you a nice discount on your next insurance coverage statement.
• College Student Discount – Youth drivers who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
• Drive Less and Save – Maintaining low annual mileage could earn discounted premium rates on garaged vehicles.
• Multiple Cars – Buying coverage for several vehicles with one company can get a discount for every vehicle.
• Paperless Signup – Certain insurance companies will provide an incentive shop auto insurance on the web.

While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.

Popular insurance coverage companies and their offered discounts are detailed below.

• State Farm may offer discounts for Steer Clear safe driver discount, good student, accident-free, good driver, and defensive driving training.
• Esurance policyholders can earn discounts including Pac-12 alumni, multi-policy, DriveSense, good student, and online shopper.
• Progressive may have discounts that include multi-vehicle, online signing, homeowner, online quote discount, continuous coverage, multi-policy, and good student.
• Liberty Mutual may include discounts for safety features, new graduate, multi-policy, newly married, hybrid vehicle, good student, and exclusive group savings.
• Auto-Owners Insurance offers discounts for multi-policy, air bags, student away at school, multiple vehicles, safe vehicle, and paid in full.
• Geico has discounts for seat belt use, driver training, good student, multi-vehicle, military active duty, defensive driver, and air bags.

Before buying, ask every insurance company which discounts they offer. All car insurance discounts might not be offered on policies in your area. If you would like to choose from a list of companies that have a full spectrum of discounts, follow this link.

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How much does insurance cost?

Lowering your 2013 Mazda Mazda2 insurance rates is actually quite simple. You just have to take time to compare rate quotes to find the company with low cost auto insurance quotes. This can easily be done using one of these methods.

1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method eliminates the need for multiple quote forms for each company. A single form will return price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
2. A slightly less efficient method to compare prices requires a trip to the website for every company you want to comare and get a separate price quote. For example, we’ll assume you want to get rates from State Farm, Esurance and Farmers. You would need to go to each individual site to enter the same coverage data repeatedly, which is why most consumers use the first method.

   For a list of links to insurance companies in your area, click here.

3. The hardest way to compare rates is driving around to insurance agencies in your area. The fact that you can get quotes online eliminates the need for an insurance agent unless you require the guidance of a local agency. Some companies do allow you to compare the best prices online but still have the advice of a local agent.

Whichever way you choose to compare rates, make darn sure you compare the same coverage information with every price quote. If you have different deductibles it will be nearly impossible to find the best deal for your Mazda Mazda2.

Mazda Mazda2 insurance cost factors

Multiple criteria are part of the equation when you get your auto insurance bill. Some are obvious such as traffic violations, although others are less apparent such as your marital status or your commute time.

• What are your physical damage deductibles? – Physical damage deductibles define how much you are required to spend before your car insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, animal collisions, and damage from wind. The more money you are required to pay out-of-pocket, the better rate you will receive for Mazda2 insurance.
• Lower mileage equals lower premium – The more miles you rack up on your Mazda annually the more you’ll pay to insure your vehicle. Almost all companies calculate prices based on their usage. Cars and trucks that sit idle most of the time receive better premium rates than vehicles that are driven to work every day. It’s always a good idea to double check that your policy properly reflects the right rating data, because it can save money. Having the wrong rating on your Mazda2 may be costing you.
• Your career may increase prices – Careers such as fire fighters, business owners and accountants generally have higher average rates because of intense work-related stress and lots of time spent away from family. On the other hand, occupations like farmers, engineers and homemakers have the lowest average rates for Mazda2 insurance.
• Discounts for married drivers – Having a spouse may save some money on your car insurance policy. It demonstrates that you tend to be more financially stable and it’s proven that drivers who are married file infrequent claims.
• Better premiums on safer cars – Safe vehicles tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection means less claims paid which can result in lower premiums.
• Cheaper car insurance rates for prior coverage – Driving any period of time without insurance is a big no-no and any future policy may cost more because you let your coverage have a gap. In addition to paying higher rates, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
• Save money by eliminating add-on coverages – There are a ton of additional extra coverages you can purchase if you aren’t diligent. Insurance for things like replacement cost coverage, towing coverage, and Farm Bureau memberships are some examples. They may sound like good ideas when buying your policy, but if they’re wasting money think about removing them and cutting costs.
• Drivers with responsible credit save on car insurance – Your credit rating is a large factor in determining what you pay for car insurance. Insureds that have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores. So if your credit rating is not that good, you could pay less to insure your 2013 Mazda Mazda2 by improving your credit score.

Do I need special coverages?

When choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

• Should I get collision insurance on every vehicle?
• Do I have coverage when using my vehicle for my home business?
• Does my insurance cover a custom paint job?
• What if I owe more than I can insure my car for?
• How much liability insurance is required?
• Should I carry comprehensive and collision coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

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Is there deception in advertising?

Consumers can’t ignore all the ads that promise big savings from the likes of Allstate and Progressive. All the ads make an identical promise that you’ll save big after switching to their company.

How is it possible that every company can charge less that you’re paying now?

Most companies look for specific characteristics for the type of driver that is profitable for them. For example, this type of driver should be a married male, has few claims, and drives a safe vehicle. Any driver that meets those criteria will get the preferred premium rates and will also pay quite a bit less when switching companies.

Potential insureds who don’t qualify for the “perfect” profile will get a higher rate which translates to the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” can get the lowest rates when switching. This is how companies can make it sound like they have such great car insurance rates. Because of these techniques, you really need to compare rate quotes every year. It’s not possible to predict the company that will have the lowest rates.

Auto insurance coverages

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Mazda Mazda2.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills such as chiropractic care, dental work and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for 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 coverage protects against things like theft, a tree branch falling on your vehicle and fire damage. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This coverage pays for damage to your Mazda2 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

And the best car insurance company is…

Drivers switch companies for many reasons like questionable increases in premium, not issuing a premium refund, unfair underwriting practices and delays in paying claims. It doesn’t matter what your reason, switching auto insurance companies is less work than it seems.

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability coverage limits only to regret at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

A few companies don’t offer online rate quotes and most of the time these small insurance companies sell through independent agencies. Cheaper auto insurance is attainable on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from.

Additional information is available at these links:

• Neck Injury FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Coverage Information (Progressive Insurance)

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