2001 Mazda MPV Car Insurance Rates

Want cheaper insurance rates? Drivers have lots of choices when trying to find the lowest priced Mazda MPV insurance. You can either spend your time calling around getting price quotes or save time using the internet to find the lowest rates. There are more efficient ways to find insurance online and you need to know the proper way to quote coverages for your Mazda and locate the lowest possible price from both online companies and local agents.

Consumers should take time to do price comparisons yearly because prices trend upward over time. Just because you had the best price on MPV insurance six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to learn how to quote online to find the best coverage while lowering your premiums.

Finding the best rates is not rocket science. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Vehicle owners only need an understanding of the tricks to get comparison rates on the web.

The method we recommend to compare insurance rates from multiple companies is to understand car insurance companies pay for the opportunity to compare their rates. To start a quote, the only thing you need to do is provide details such as whether you are married, if a SR-22 is needed, the make and model of your vehicles, and how your vehicles are used. Your rating data is then sent to multiple insurance providers and you receive quotes within a short period of time.

To start a rate quote now, click here then complete the form.

Discounts for cheap car insurance rates

Companies offering auto insurance don’t necessarily list every possible discount in an easy-to-find place, so the following is a list of some of the best known in addition to some of the lesser obvious discounts that may be available.

  • No Accidents – Drivers who stay claim-free pay much less as compared to bad drivers.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Clubs and Organizations – Having an affiliation with certain professional organizations can get you a small discount on your next renewal.
  • Lower Rates for Military – Being deployed in the military may lower your prices slightly.
  • Discount for Multiple Policies – If you have multiple policies and insure them with the same company you could save at least 10% off all policies.
  • Sign Online – A few companies give back up to $50 for signing up online.
  • Drivers Education – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Waiver for an Accident – This one isn’t a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual allow you one accident without the usual rate increase as long as you don’t have any claims prior to the accident.

You should keep in mind that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will definitely lower the premium cost.

Larger car insurance companies and their possible discounts are included below.

  • Geico policyholders can earn discounts including military active duty, multi-vehicle, emergency military deployment, membership and employees, multi-policy, and seat belt use.
  • Travelers may include discounts for student away at school, new car, hybrid/electric vehicle, good student, and multi-car.
  • Nationwide may offer discounts for family plan, good student, accident-free, defensive driving, easy pay, and business or organization.
  • Farmers Insurance includes discounts for bundle discounts, business and professional, pay in full, good student, homeowner, and mature driver.
  • Esurance offers premium reductions for emergency road assistance, online shopper, claim free, Switch & Save, anti-lock brakes, and safety device.
  • State Farm discounts include good student, safe vehicle, good driver, Steer Clear safe driver discount, and multiple policy.
  • Progressive may have discounts that include continuous coverage, multi-policy, homeowner, online signing, good student, online quote discount, and multi-vehicle.
  • Mercury Insurance has discounts for low natural disaster claims, good driver, anti-theft, annual mileage, good student, and multi-policy.

When quoting, ask each company or agent what discounts are available to you. Some credits may not apply to policies in every state. To find insurance companies with discount rates, follow this link.

You may need specialized car insurance coverage

When buying the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • What if I total my 2001 Mazda MPV and owe more than it’s worth?
  • Do I have coverage when making deliveries for my home business?
  • Is my babysitter covered when using my vehicle?
  • How many claims can I have before being cancelled?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are rental cars covered under my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my 2001 Mazda MPV need full coverage?
  • What is the ISO rating for a 2001 Mazda MPV?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Having a good grasp of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mazda MPV.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for EMT expenses, rehabilitation expenses, surgery and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, vandalism, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

This will cover damage that occurs to other people or property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as structural damage, legal defense fees, repair costs for stationary objects, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comments About 2001 Mazda MPV Insurance

  1. Shelli Wagner

    Just my two cents. I’m just south of Cincinnati, OH. Compared rates from a lot of places. Saved about $20 a month. GEICO was the most affordable for me.

  2. Dot Rocha

    Does 21st Century prorate premiums at cancellation?

  3. Leisa Curry

    If you have a good history and live around New Haven, CT, check out Allstate. They seem to be cheaper.

  4. Linwood Castillo

    Good detail in your article. I’m in Columbus, GA. I quoted with 21st Century, Encompass, and Hartford for my 2001 Mazda MPV and saved $77 a year. Good multi-policy discounts. Still almost need a second mortgage. Liability only on my MPV.

  5. Larita Mccarty

    I’m in the south part of Chicago, Illinois. Quoted with Allstate, Amica, Farmers, and Hanover for my MPV and saved around $70 a year. Was with Mercury. They have a lot of discounts available. Just liability coverage since it’s getting old.

  6. Shayna Valentine

    This is too expensive. From a town just southwest of Albuquerque, New Mexico. I compared lots of rates. Saved right around $20 a month. 21st Century was the cheapest option for me. Left Mercury to switch. Liability only on my MPV.

  7. Graciela Summers

    I compared a lot of rate quotes for a 2001 Mazda MPV in Greensboro, NC. Ended up at about $90 every six months with Amica. They have a lot of discounts available. Full coverage costs too much.

  8. Devon Dale

    If you don’t have tickets and live in the vicinity of Kansas City, Missouri, check out Allstate. You might save some money. Insured with Hanover before. I have kids on my policy, too. I just quoted rates online. Just liability coverage since it’s getting old.

  9. Reed Holden

    I got a good deal I think. Proud to be from Hilo, HI. Got car insurance quotes from Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my 2001 Mazda MPV and I’m now saving $22 a month.

  10. Daisy Peck

    Progressive has the cheapest rates in North Dakota. No comparison.

  11. Charity Conner

    Does 21st Century insure at replacement cost?