2010 Mazda Mazda5 Insurance Rates

Getting cheap insurance coverage might seem problematic for drivers who are new to comparison shopping on the internet. Because there are so many online companies, how can anyone have the ability to compare all the different companies and get the cheapest available price?

It is always a good idea to get comparison quotes before your next renewal because prices change regularly. Just because you had the best deal for Mazda5 insurance a couple years back a different company probably has better rate quotes today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the only way to remove unneeded coverages and save money.

If you have car insurance now, you will be able to cut costs considerably using this information. Locating the cheapest protection is not that difficult. But consumers must learn the way insurance companies sell insurance online.

Get lower-cost insurance coverage rates with discounts

Not many people think insurance is cheap, but discounts can save money and there are some available that can help lower your rates. Certain credits will be shown at the time you complete a quote, but a few must be asked for before they will apply.

  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
  • Accident Free – Drivers who don’t have accidents get the best insurance coverage rates compared to bad drivers.
  • Discount for Low Mileage – Keeping the miles down on your Mazda could be rewarded with lower insurance coveragerates due to less chance of an accident.
  • Discount for Life Insurance – Select companies reward you with a small discount if you purchase some life insurance in addition to your auto policy.
  • Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.

As a sidenote, most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that you can get free auto insurance, it doesn’t quite work that way.

A list of insurance coverage companies and a summarized list of policyholder discounts are shown below.

  • State Farm may offer discounts for good driver, defensive driving training, passive restraint, Steer Clear safe driver discount, multiple autos, driver’s education, and safe vehicle.
  • Geico may include discounts for anti-lock brakes, seat belt use, air bags, daytime running lights, five-year accident-free, emergency military deployment, and federal employee.
  • Progressive discounts include continuous coverage, homeowner, online quote discount, multi-vehicle, online signing, and multi-policy.
  • 21st Century offers discounts for early bird, teen driver, homeowners, 55 and older, anti-lock brakes, driver training, and air bags.
  • American Family policyholders can earn discounts including mySafetyValet, bundled insurance, early bird, accident-free, and good student.
  • The Hartford offers premium reductions for good student, defensive driver, bundle, vehicle fuel type, driver training, air bag, and anti-theft.
  • AAA includes discounts for good driver, good student, multi-policy, multi-car, and anti-theft.

Double check with each insurance company which discounts you qualify for. A few discounts might not be offered on policies in your area. To see a list of providers that offer multiple discounts, click here.

Tailor your insurance coverage coverage to you

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you could use an agent’s help.

  • I have health insurance so do I need medical payments coverage?
  • Is my trailer covered?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I afford low physical damage deductibles?
  • Do I pay less for low miles?
  • Are my friends covered when driving my 2010 Mazda Mazda5?
  • Does coverage extend to my business vehicle?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Insurance coverage options for a Mazda Mazda5

Having a good grasp of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for liability

This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, emergency aid and court costs. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses like nursing services, dental work and surgery. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, damage from flooding and a tree branch falling on your vehicle. The most a insurance company will pay at claim time 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.

Collision coverage

Collision coverage covers damage to your Mazda5 caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, backing into a parked car, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Pennies from heaven

Lower-priced insurance coverage can be sourced online and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance coverage companies don’t offer the ability to get quotes online and these smaller providers only sell through independent insurance agents.

While you’re price shopping online, never reduce coverage to reduce premium. In many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best price and still be able to protect your assets.

We’ve covered a lot of ways to get a better price on 2010 Mazda Mazda5 insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest auto insurance. You may even discover the lowest priced insurance coverage comes from an unexpected company.

Additional information can be found below:

Comments About 2010 Mazda Mazda5 Insurance

  1. Chaya Diaz

    I found pretty cheap rate quotes for a 2010 Mazda Mazda5 in Norfolk, VA. Ended up at about $180 every six months with AIG Insurance. Thankfully I’m not a high risk driver.

  2. Kourtney Leach

    If you’re a decent driver and live near Dover, DE, check out GEICO. You might save some money. Insured with Mercury before. Have a couple speeding tickets too. They were helpful in switching over.

  3. Robbi Barber

    From a town just southwest of Nashville, Tennessee. Can’t remember who all I quoted but I ended up saving about $40 each month. Even increased coverage a bit.

  4. Alysia Mccullough

    Enjoyed the article. Proud to be from Concord, New Hampshire. I compared lots of rates. Saved roughly $60 a month. Allstate was the cheapest for me. Left Hartford to switch. They have a lot of discounts available. They offer free online rate quotes.

  5. Prudence Ewing

    Does Progressive insure at replacement cost?

  6. Ardis Mcclain

    From west side of Shreveport, LA. Got prices from Hanover, AIG Insurance, Nationwide, and a couple others for my 2010 Mazda Mazda5 and I think I saved about $30 each month. Have an at-fault accident tho. Just go online and compare their rates.

  7. Susannah Shannon

    I found cheap 2010 Mazda Mazda5 insurance in Fairbanks, Alaska with GEICO.

  8. Kathy Potts

    Is Allstate cheap in Baton Rouge, LA?

  9. Odell Baldwin

    I live just outside Rapid City, South Dakota. I got free quotes from State Farm, Farmers, and The General for my Mazda and saved just over $420 a year. I get a discount for insuring multiple vehicles.

  10. Stan Sandoval

    Will Progressive cancel if I have a claim?

  11. Neil Rush

    Will State Farm raise rates for a small claim?

  12. Raymond English

    I’m in Rochester, NY. Got car insurance quotes from GEICO, Eastwood, and Liberty Mutual for my Mazda and saved $466 a year.

  13. Treva Hanson

    Compared auto insurance prices with Allstate and GEICO but still not cheap enough.