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.
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.
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:
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.
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.
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.
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.
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
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:
Hope my car insurance gets cheaper. I live in a small town just outside of Charleston, WV. Got free quotes online for a 2. Ended up at about $100 savings annually. Went with 21st Century. Was with American Family. Switched homeowners coverage too. Not sure if rates are cheaper online or not.
From a town just southwest of Provo, UT. Quoted quotes from AAA, Erie, and MetLife for my 2 and saved just over $60 a year. Wish I didn’t have to insure at all.
Enjoyed the article. I’m from Providence, RI. I quoted with 21st Century, Liberty Mutual, and Farmers for my 2013 Mazda 2 and saved just over $60 a year. I’m a pretty good driver though. Bought it from an online quote. Only insure liability on my 2013 Mazda 2.
I found affordable 2 insurance from GEICO in Bangor, ME.
Here’s my info. I’m in the suburbs of Reno, Nevada. I don’t recall every quote but I ended up saving about $20 each month. Left Farmers to switch. Good multi-policy discounts. LOL
Found cheapest coverage with 21st Century for my 2 and saved about $100 a year.
I compared a lot of rate quotes for a 2 in Oklahoma City, OK. Ended up at right around $110 every six months with American Family.
Nice post. I live just to the south of Lewiston, ME. Got rates from AIG Insurance, Esurance, and Nationwide for my 2013 Mazda 2 and saved just over $90 a year. I even had a DUI years ago. Full coverage costs too much.
Will Progressive give a discount for driver training?
Proud to be from Allentown, PA. Got rates from Allstate, AAA, Erie, and GMAC for my Mazda and I’m now saving $21 a month. Liability only on my Mazda.
I compared a lot of rate quotes for a 2 in Colorado Springs, CO. Ended up at roughly $110 every six months with Auto-Owners. I recommend comparing lots of rates. I dropped full coverage awhile back.
I found cheap 2 insurance in Portland, ME with State Farm.
Quoted with Travelers for my 2013 Mazda 2 and am saving around $80 a year.
Mine is so expensive. Live in the northern part of Miami, FL. Quoted with American Family, Sentry, and a few others for my 2013 Mazda 2 and saved $77 a year. Bought it from an online quote.
I was with Liberty Mutual last year but switched to Allstate. I live in Charleston, West Virginia.
I’m in Rochester, MN, and Allstate rates were affordable. I have several vehicles insured with them. Get lots of quotes to find the best rate. I just carry liability insurance.
I’ve insured with 21st Century for a long time. Pretty cheap in Bangor, ME.
I live just to the west of Cedar Rapids, IA. I quoted with AAA, Nationwide, and Western Auto Insurance for my 2 and I think I am saving around $30 each month.
Great info, thanks for posting. I’m in Milwaukee, Wisconsin. Don’t remember every company but I ended up saving about $20 each month. Left Amica to switch. I even had a DUI years ago. I don’t have comp or collision coverage.
I compared a lot of rate quotes for a 2 in Wichita, Kansas. Ended up at roughly $100 every six months with AIG Insurance. Insured with Sentry before. Have a couple speeding tickets too.
Does Alaska require liability coverage?
If you’re around New York City, New York try Allstate and GEICO and see which is cheaper.