View 2014 Mazda Mazda2 Insurance Rates

Did budget coverage turn out to be an overpriced auto insurance policy? Believe me when I say there are lots of residents who feel the same. Many car insurance companies compete for your business, and it can be difficult to compare rates to get the lowest price

Cheap auto insurance price quotes online

Finding a lower price on 2014 Mazda Mazda2 insurance isn’t really that difficult. The only thing you need to do is take a few minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  1. One of the simplest ways to find low rates is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating separate quote forms for each company you want a rate for. One simple form gets coverage cost estimates from all major companies.
  2. A harder way to compare rate quotes is going to each individual company website to request a price quote. For example, let’s assume you need rates from Farmers, Liberty Mutual and State Farm. In order to get each rate, you would have to spend time on each company’s site to enter the same coverage data repeatedly, which can be really labor intensive.

    For a list of companies in your area, click here.

Whichever way you use, be certain you are entering exactly the same coverage limits and deductibles for each quote you get. If you compare different limits and deductibles on each one you will not be able to make a fair comparison for your Mazda Mazda2.

Do you qualify for discounts?

Car insurance companies don’t always advertise every possible discount very clearly, so the list below details a few of the more well known and the harder-to-find credits available to you.

  • Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Professional Memberships – Having an affiliation with certain professional organizations is a good way to get lower rates on your next car insurance statement.
  • Military Deployment Discount – Being deployed in the military could be rewarded with lower premium rates.
  • Student in College – who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
  • No Charge for an Accident – but a few companies such as Liberty Mutual, Allstate and State Farm will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
  • Bundled Policy Discount – If you can combine your auto and home policy with one company you could earn a discount of up to 20% and get you the cheapest insurance.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, it’s just not the way it works.

To locate insurers that offer the discounts shown above, click here.

Don’t assume everyone needs the same insurance coverage coverage

When buying coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • What are the best liability limits?
  • Does my liability insurance cover pulling a trailer or camper?
  • When can I cancel my policy?
  • Can I drive in Mexico and have coverage?
  • I have health insurance so do I need medical payments coverage?
  • Can my babysitter drive my car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Auto insurance specifics

Understanding the coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages available from auto insurance companies.

Comprehensive coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, damage from getting keyed and falling objects. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses such as pain medications, dental work and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mazda Mazda2.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance – Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like emergency aid, structural damage, legal defense fees, pain and suffering and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision coverages – This covers damage to your Mazda2 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comments About 2014 Mazda Mazda2 Insurance

  1. Lora Raymond

    I found affordable 2014 Mazda Mazda2 insurance from 21st Century in Chesapeake, Virginia.

  2. Alaine Carpenter

    Is a custom audio system covered by insurance?

  3. Lionel Carey

    Cheaper car insurance is a myth. I live on the east side of Chesapeake, Virginia. I quoted with Progressive, Hanover, and Erie for my 2014 Mazda Mazda2 and saved $168 a year. Was with GMAC. Thankfully I have a good driving record.

  4. Nida Kirk

    I found pretty cheap rate quotes for a 2014 Mazda Mazda2 in Hilo, Hawaii. Ended up at about $160 every six months with Auto-Owners. Got better coverage too.

  5. Shanta Byrd

    From a town just southwest of Omaha, Nebraska. I quoted with Travelers, American Family, Hartford, and Mercury for my 2014 Mazda Mazda2 and I think I cut my rates about $50 each month. Hopefully won’t need it.

  6. Sadie Trevino

    Here’s my quote info. Live in the eastern part of Nashville, TN. Got car insurance quotes from Liberty Mutual, Auto-Owners, Safeco, and a couple others for my 2014 Mazda Mazda2 and I think I cut my rates about $20 each month. LOL

  7. Argentina Sims

    It’s all a rip off. From Allentown, PA. Quoted with Allstate, Liberty Mutual, and Eastwood for my 2014 Mazda Mazda2 and saved about $490 a year. Even increased coverage a bit. They were helpful in switching over.

  8. Maricruz Foley

    21st Century was cheapest for my 2014 Mazda Mazda2 in Charlotte, NC.

  9. Adolph Vinson

    I’m in San Diego, California. Quoted with Hartford, AIG Insurance, Sentry, and a couple others for my Mazda and saved $226 a year. My new agent seems to be really good.

  10. Brittani Johnson

    Got a quote with Hartford for my Mazda2 and saved about $340 a year. Even increased coverage a bit.