2013 Mazda 2 Car Insurance Cost

Trying to find the cheapest insurance for a new or used Mazda 2 can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for car insurance and you need to know the quickest way to price shop coverage for a new or used Mazda and locate the best price possible either online or from local insurance agents.

It’s smart to compare rates periodically because insurance rates change frequently. If you had the best premium rates for 2 insurance last year you can probably find a better price now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to one of the best ways to lower your rates without sacrificing coverage.

Finding affordable coverage is not rocket science. If you are insured now or are shopping for new coverage, you can use this information to find better prices while maximizing coverage. Consumers just need to know the tricks to buy insurance over the internet.

Take advantage of every insurance discount

Car insurance companies don’t necessarily list all disounts very well, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits available to bring down your rates. If you don’t get every credit you qualify for, you could be saving more on your insurance.

• Low Miles Discount – Low annual miles can qualify you for better premium rates on cars that stay parked.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
• Discounts for Federal Employees – Simply working for the federal government could provide a small rate reduction for 2 insurance depending on your company.
• Own a Home and Save – Owning a home can save a few bucks because owning a home is proof that your finances are in order.
• Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for 2 insurance than less cautious drivers.
• Telematics Discount – Drivers who elect to allow companies to look at driving manner by installing a telematics device such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
• Paperless Signup – Certain companies will discount your bill up to fifty bucks for completing your application over the internet.
• One Accident Forgiven – Not really a discount, but a handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Despite the appearance that you could get a free insurance policy, you won’t be that lucky.

Some of the insurance companies who may offer these money-saving discounts are:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

If you need cheaper car insurance quotes, ask all the companies the best way to save money. Some credits may not apply in your state. If you would like to see a list of insurance companies with the best insurance discounts, click here.

Quote Mazda 2 insurance for less

An important part of buying insurance is that you know a few of the rating criteria that go into determining the rates you pay for insurance coverage. If you know what influences your rates, this empowers consumers to make smart changes that can earn you lower insurance coverage prices.

• Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean males are worse at driving than females. Both genders cause accidents at about the same rate, but the males cause more damage. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident so they pay the highest premiums.
• Lower rates for safer cars – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles reduce the chance of injuries and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy. If your Mazda has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Allowing your insurance coverage policy to lapse raises rates – Driving your car without having proper coverage is not a good idea and you may have a hard time finding new coverage because you let your coverage have a gap. And not only will your rates increase, getting caught without coverage could earn you a steep fine or even jail time. You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• Prevent your car from being stolen – Buying a car with advanced anti-theft systems can earn a premium discount. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
• Insure your auto and home with one company – Lots of insurance companies apply lower prices for people that purchase more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, drivers will still want to compare rates to ensure the best deal.
• Rural vs Urban Areas – Living in less populated areas of the country is a positive aspect when talking about insurance coverage. Urban drivers have more road rage incidents and a longer drive to work. Fewer people translates into fewer accidents in addition to fewer liability claims.

How to know if you need help

When buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

• Should I bundle my homeowners policy with my auto?
• When should I remove comp and collision on my 2013 Mazda 2?
• Do I get a pro-rated refund if I cancel my policy early?
• Does my liability insurance cover pulling a trailer or camper?
• Does my policy cover my teen driver if they drive my company car?
• Is business equipment covered while in my vehicle?
• How does medical payments coverage work?
• Do I need medical payments coverage since I have good health insurance?
• What is no-fault insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Mazda 2.

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.

Collision – Collision coverage will pay to fix damage to your 2 resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hail damage, a broken windshield, hitting a bird and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages – Liability coverage provides protection from damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability 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 $100,000 of coverage for damaged propery.

Liability coverage protects against claims like loss of income, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like ambulance fees, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Saving money is sweet as honey

People who switch companies do it for many reasons like unfair underwriting practices, denial of a claim, policy cancellation and delays in paying claims. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

Cheaper 2013 Mazda 2 insurance is attainable on the web and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not offer rate quotes online and usually these regional insurance providers prefer to sell through independent insurance agents.

You just read some good ideas how to compare 2013 Mazda 2 insurance car insurance rates online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the biggest savings come from the least-expected company.

Even more information is available at these sites:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)