2004 Mazda MPV Car Insurance Rates – 9 Tips for Best Quotes

Looking for lower auto insurance rates for your Mazda MPV? When trying to find lower-cost insurance, do you get confused by the sheer number of auto insurance sources in your area? Many other drivers are as well. There are so many options that it can quickly become a chore to find the lowest price.

Lower rate quotes with these nine discounts

Some providers do not list all available discounts in an easy-to-find place, so we researched both well-publicized and also the more inconspicuous credits that you can use to lower your rates.

• Waiver for an Accident – This one isn’t a discount, but some companies like Allstate, State Farm and Geico will forgive one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
• Cautious Driver Discount – Drivers who avoid accidents can save as much as half off their rates for MPV coverage compared to rates paid by drivers with frequent claims.
• Military Discounts – Being on active duty in the military may qualify for rate reductions.
• Defensive Driver Discount – Taking a safe driver class may get you a small discount depending on where you live.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discounted insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Early Switch Discount – Some insurance companies give discounts for buying a policy prior to your current policy expiring. It could save around 10% when you buy insurance coverage online.
• Bundled Policy Discount – If you can bundle your home and auto insurance with one company you will save up to 20% and get you inexpensive insurance coverage.
• Claim-Free Discount – Insureds who avoid accidents and claims pay much less in comparison to insureds who have frequent claims or accidents.

You can save money using discounts, but most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

If you would like to view companies with the best discounts, click here to view.

What is the best insurance coverage coverage?

When buying the best insurance coverage coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can aid in determining if you could use an agent’s help.

• What exactly is covered by my policy?
• Am I covered if I crash into my own garage door?
• Do I need added coverage for expensive stereo equipment?
• Do I need roadside assistance coverage?
• If my pet gets injured in an accident are they covered?
• Can my babysitter drive my car?
• Where can I find high-risk insurance?
• What is PIP insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Big names are not always cheapest

Auto insurance companies such as Progressive, Geico, Allstate and State Farm regularly use television, radio, and online ads. All the ads have a common claim about savings if you move your coverage to them. How does every company make almost identical claims?

Many companies give the cheapest rates for the type of driver that earns them a profit. One example of this type of insured might have to be between the ages of 30 and 50, carries high limits, and has great credit. Any customer that hits that “sweet spot” will get low premium rates and will save a lot if they switch.

Drivers who don’t qualify for these stringent criteria will see more expensive rates and the customer buying from a different company. The trick is to say “customers that switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can make claims like that. Because of these techniques, you really need to compare price quotes frequently. It’s just too difficult to predict which auto insurance company will have the best car insurance rates for your profile.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for chiropractic care, hospital visits and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage

This coverage will pay to fix damage to your MPV resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hitting a deer, rock chips in glass and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Mazda MPV.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, repair bills for other people’s vehicles, medical expenses, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Cheaper insurance is a realistic goal

Drivers switch companies for many reasons like lack of trust in their agent, not issuing a premium refund, policy non-renewal and even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.

When searching for cheaper insurance coverage quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced full coverage only to regret they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best cost.

Budget-friendly auto insurance can be purchased from both online companies in addition to many insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. There are still a few companies who do not provide price quotes online and many times these regional insurance providers provide coverage only through independent agents.

For more information, take a look at these articles:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)