2014 Mazda 2 Insurance Cost – 7 Tricks for Cheaper Prices

Are you irritated from trying to scrape together enough money to pay high insurance coverage rates every month? You’re in the same situation as most other drivers. Multiple car insurance companies compete for your business, so it can be very hard to choose a provider and get the best coverage at the best rate

Low cost auto insurance quotes

The majority of larger companies make it easy to get insurance quotes direct online. Getting online quotes is easy for anyone as you simply type in your required coverages on the page. Upon sending the form, their system makes automated requests for credit information and your driving record and gives you a price quote based on these and other factors. Being able to quote online makes it easy to compare insurance prices but the process of having to visit several different sites and type in the same data is a waste of time. But it’s very important to perform this step if you are searching for a lower rate.

A better way to find lower prices uses one simple form to return rates from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes quoting online a lot less work. As soon as you send your information, it gets priced with multiple companies and you can pick your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process takes 15 minutes at the most and you’ll know if lower rates are available.

If you want to compare pricing, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you copy as shown on your current policy. This guarantees you are getting an apples-to-apples comparison for similar insurance coverage.

Lower rate quotes by taking advantage of these seven discounts

Some companies don’t always list their entire list of discounts very well, so the following is a list of both well-publicized in addition to some of the lesser obvious ways to save on insurance coverage. If you don’t get every credit you deserve, you could be saving more on your insurance coverage.

• Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
• Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
• Data Collection Discounts – Insureds who allow their company to analyze where and when they drive by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more off the medical payments premium.
• Professional Memberships – Having an affiliation with a professional or civic organization can get you a small discount on your next insurance coverage statement.
• Low Mileage Discounts – Driving less could qualify for lower insurance coveragerates on the low mileage vehicles.
• Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance coverage policy can get a discount for every vehicle.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, you’re out of luck.

Car insurance companies who might offer these discounts include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

It’s a good idea to ask all the companies which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in every state.

How much car insurance do I need?

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight if your situation will benefit from professional help.

• Is a fancy paint job covered?
• Am I covered when driving on a suspended license?
• Is my babysitter covered when using my vehicle?
• Should I drop comprehensive coverage on older vehicles?
• Does liability extend to a camper or trailer?
• What happens if I owe more than my 2014 Mazda 2 is worth?
• Is other people’s property covered if stolen from my vehicle?
• How do I file an SR-22 for a DUI in my state?
• Am I insured when driving a different vehicle?
• Do I need more liability coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive insurance

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

Comprehensive insurance covers things like fire damage, falling objects and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mazda 2.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Auto liability

This protects you from injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like medical expenses, legal defense fees and emergency aid. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

This coverage covers damage to your 2 resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, driving through your garage door, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as doctor visits, hospital visits, funeral costs, chiropractic care and pain medications. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Shop. Compare. Save.

When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Cheap 2014 Mazda 2 insurance can be found from both online companies and with local insurance agents, so get free auto insurance quotes from both of them to have the best selection. Some insurance companies may not have internet price quotes and most of the time these regional carriers sell through independent agencies.

Additional learning opportunities

• Child Safety FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)