2014 Mazda Mazda2 Car Insurance Rates – 10 Tricks for Cheaper Quotes

Are you regretting buying an expensive insurance policy? Trust us, there are lots of people in the same boat.

Due to the increasing number of companies to choose from, it can be impossible to find the lowest price insurance company.

Consumers need to shop coverage around occasionally because prices tend to go up over time. Despite the fact that you may have had the lowest rates on Mazda2 insurance a couple years back the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the tricks you need to know to get good coverage at a lower rate.

Cheaper rates with these ten discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts to cut the cost considerably. Some of these disounts will be visible at the time of purchase, but lesser-known reductions have to be specially asked for before you will receive the discount. If you check and find you aren’t receiving every discount available, you are paying more than you should be.

• Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on Mazda2 insurance with select insurance companies.
• Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
• Seat Belts Save – Forcing all vehicle occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more on Mazda2 insurance compared to accident prone drivers.
• Online Discount – Certain insurance companies provide a small discount just for signing your application on your computer.
• Accident Forgiveness – This one isn’t a discount, but some insurance companies may permit one accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
• Low Miles Discount – Low mileage vehicles can qualify you for slightly better premium rates than normal.
• Theft Prevention Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Discounts for Multiple Vehicles – Buying a policy with all your vehicles on one policy can reduce rates for all insured vehicles.
• Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.

You should keep in mind that some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount will cut your policy premiums.

A partial list of companies that may include some of the discounts shown above are:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When getting a coverage quote, ask each company which discounts can lower your rates. Depending on the company, some discounts might not apply in your area. If you would like to see a list of companies that offer some of these discounts, click here to view.

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Don’t believe everything you hear

Respected companies like State Farm, Allstate and Geico consistently run television, radio, and online ads. They all advertise claims about how much you will save if you change your policy. It sounds good, but how can they all lower your car insurance rates? It’s all in the numbers.

Different companies have strict underwriting profiles for a prospective insured that earns them the most money. One example of a desirable risk should be between 25 and 40, has few claims, and drives a car with an anti-theft system. Any person that meets those criteria will get a cheap rate quote as well as cut their rates substantially.

Consumers who are not a match for the “perfect” profile may be required to pay a higher premium which results in business not being written. The ads say “drivers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can advertise the savings. Because every company is different, drivers should do a quote comparison often. It is impossible to guess with any certainty which company will have better prices than you’re paying now.

What is the best auto insurance coverage?

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might help in determining if your situation would benefit from an agent’s advice.

• Does my medical payments coverage pay my health insurance deductible?
• Are my friends covered when driving my car?
• Is pleasure use cheaper than using my 2014 Mazda Mazda2 to commute?
• Do I benefit by insuring my home with the same company?
• Does my policy pay for OEM or aftermarket parts?
• Is my nanny covered when driving my vehicle?
• When should I drop full coverage on my 2014 Mazda Mazda2?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance 101

Understanding the coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for things like ambulance fees, EMT expenses, pain medications, dental work and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like repair costs for stationary objects, medical services and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, damage from a tornado or hurricane, hitting a bird, fire damage and rock chips in glass. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This coverage covers damage to your Mazda2 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mazda Mazda2.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

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A penny earned…

We just presented some good ideas how to lower your 2014 Mazda Mazda2 insurance premium rates. It’s most important to understand that the more companies you get prices for, the higher your chance of finding low cost auto insurance. You may be surprised to find that the biggest savings come from a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

Cheaper 2014 Mazda Mazda2 insurance is attainable both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Helpful information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• How do I File a Claim? (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Older Drivers FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)

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