View 2013 Mazda 5 Insurance Cost

Do you get exhausted from scraping nickels together to pay high insurance coverage rates every month? You have the same problem as millions of other drivers. With drivers having so many different company options, it can be hard to pick the best insurance company.

Consumers should take time to compare prices before your policy renews since prices fluctuate regularly. Just because you found the best price on 5 coverage two years ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to find out how to quote online to find the best coverage while lowering your premiums.

Seven factors that affect insurance prices

Many different elements are considered when premium rates are determined. Some of the criteria are obvious such as your driving history, although others are more obscure such as your credit history or how safe your car is.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that go into determining the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get lower rates.

  • More people means more accidents – Choosing to live in less populated areas can save you money when talking about auto insurance. Fewer drivers on the road translates into fewer accident claims and a lower car theft rate. Residents of big cities have more aggressive driving styles and a longer drive to work. Spending more time driving means more chances of being involved in an auto accident.
  • Does insurance coverage cost more for men? – The statistics show females are less aggressive when driving. However, don’t assume that women are BETTER drivers than men. Women and men are in accidents in similar percentages, but guys tend to have more serious accidents. Not only are claims higher, but men get cited for more serious violations like reckless driving and DUI.
  • Frequent claims increase rates – If you file a lot of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Auto insurance companies generally give the best rates to insureds who do not file claims often. Auto insurance is designed for the large, substantial claims.
  • Know your credit history – A driver’s credit score can be an important factor in your rate calculation. If your credit history is lower than you’d like, you may save money insuring your 2013 Mazda 5 by improving your credit score. Insureds with very high credit ratings tend to be less risk to insure than those with lower credit scores.
  • Don’t get traffic citations – How you drive impacts your car insurance rates tremendously. Just one ticket can boost insurance rates substantially. Attentive drivers get better rates than people who have multiple driving citations. Drivers who have received serious violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to prove financial responsibility with their state DMV in order to prevent their license from being revoked.
  • Safer occupants lowers rates – Vehicles that have high safety ratings tend to be cheaper to insure. Safer cars reduce injuries and lower rates of occupant injuries translates directly to fewer claims and lower rates for you.
  • Cut auto insurance rates and deter theft – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft.

You may qualify for discounts

Auto insurance companies do not list their entire list of discounts in a way that’s easy to find, so the list below contains a few of the more well known in addition to some of the lesser obvious discounts that may be available.

  • E-sign Discounts</strong – Certain larger companies will provide an incentive for buying your policy on the internet.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower premium rate if you buy a life policy as well.
  • Professional Organizations – Being a member of a qualifying organization is a good way to get lower rates on your next renewal.
  • One Accident Forgiven – Not necessarily a discount, but companies like Allstate and State Farm will turn a blind eye to one accident without raising rates if you are claim-free for a specific time period.
  • Early Renewal Discounts – Some car insurance companies provide a discount for switching to them prior to your current policy expiration. This discount can save up to 10%.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.

If you would like to see a list of insurance companies who offer online car insurance quotes, click this link.

There’s no such thing as the perfect car insurance policy

When it comes to choosing coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight whether you would benefit from professional advice.

  • Is my 2013 Mazda 5 covered for flood damage?
  • Is my camper covered by my car insurance policy?
  • Which companies will insure high-risk drivers?
  • How do I insure my teen driver?
  • When should I not file a claim?
  • Why do I need rental car insurance?
  • Can I still get insurance after a DUI?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can my babysitter drive my car?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Specific coverage details

Learning about specific coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Liability auto insurance

This coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as bail bonds, legal defense fees, medical services, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for pain medications, funeral costs and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This coverage will pay to fix damage to your 5 from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Save your cold hard cash

As you prepare to switch companies, you should never buy less coverage just to save a little money. Too many times, drivers have reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

We just covered some good ideas how you can reduce 2013 Mazda 5 insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the biggest savings come from some of the lesser-known companies. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

For more information, feel free to visit the resources below:

Comments About 2013 Mazda 5 Insurance

  1. Ciera Reynolds

    Good site, thanks. Live in Bridgeport, CT. Quoted a bunch of companies. Saved darn near $30 a month. State Farm was the most affordable for me.

  2. Hyacinth Leach

    From north side of Mobile, AL. I got free prices from American Family, Sentry, and a few others for my 2013 Mazda 5 and I’m now saving $64 a month. :P

  3. Joshua Salinas

    Is 21st Century or Esurance cheap in Nashua, NH?

  4. Jutta Dixon

    Cheaper not always better. Checking in from Norfolk, Virginia. Not sure of all the companies but I ended up saving about $40 each month.

  5. Idalia Lane

    Great site. I’m from Lexington, Kentucky. Can’t remember who all I quoted but I ended up saving about $70 each month. I have a couple other vehicles on the policy. They have free quotes online.

  6. Cheryle Williamson

    Located in Portland, Oregon. Compared rates from a lot of places. Saved darn near $20 a month. State Farm was the most affordable for me. I think they have home insurance too.

  7. Cinthia Potter

    I think I’m paying too much. Checking in from Rutland, VT. Quoted quotes with State Farm, The General, and Eastwood for my 5 and saved just over $530 a year. Ask about discounts. I got prices on the web.

  8. Ressie Mccullough

    I live in San Diego, California. Compared quite a few companies. Saved right around $60 a month. State Farm was the best choice for me. Left MetLife to switch. :)

  9. Raphael Gilbert

    State Farm has the cheapest rates in Ohio. No comparison.

  10. Davida Townsend

    I drive uninsured.

  11. Hedwig Barnett

    Got a quote with State Farm for my 2013 Mazda 5 and am saving around $390 a year. I got prices on the web.

  12. Marion Blanchard

    Cheap car insurance? What’s that? I’m just south of Eugene, OR. Got free quotes online for a 2013 Mazda 5. Ended up at about $390 savings annually. Went with Progressive. Insured with Safeco before. Bought it from an online quote.