2014 Mazda Mazda5 Insurance Rates

Want the cheapest insurance rates for your Mazda Mazda5? Trying to find the cheapest insurance for a Mazda Mazda5 can turn out to be an all-consuming task, but you can follow our insurance buying tips to save time. There is a right way and a wrong way to compare insurance rates and you need to know the proper way to price shop coverage for your Mazda and obtain the lowest price.

Smart consumers take time to compare rates as often as possible because insurance prices change regularly. Just because you found the lowest price for Mazda5 coverage two years ago other companies may now be cheaper. Forget all the misinformation about insurance because we’re going to demonstrate the best way to lower your rates without sacrificing coverage.

If you have a policy now or are looking for a new policy, you can use these techniques to get lower rates while maximizing coverage. Buying the best protection is simple if you know the tricks. Drivers only need to know how to get comparison quotes over the internet.

Earn discounts to get lower-cost insurance coverage rates

Insurance coverage is not an enjoyable expense, but you might already qualify for some discounts that can help lower your rates. Some discounts apply automatically at quote time, but some may not be applied and must be asked for before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

  • No Charge for an Accident – but some insurance companies permit an accident without getting socked with a rate hike if you are claim-free for a certain period of time.
  • Sign Early and Save – Select insurance coverage companies give a discount for buying a policy prior to your current policy expiring. This discount can save up to 10%.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts when compared to drivers with a long claim history.
  • ABS Brakes – Cars equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Defensive Driver – Taking part in a defensive driving course could earn you a small percentage discount if you qualify.

A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

Large insurance coverage companies and their offered discounts are detailed below.

  • Esurance includes discounts for Pac-12 alumni, homeowner, multi-policy, online shopper, and multi-car.
  • The Hartford offers discounts including vehicle fuel type, anti-theft, good student, driver training, air bag, and bundle.
  • AAA has discounts for multi-policy, anti-theft, AAA membership discount, multi-car, education and occupation, and pay-in-full.
  • Geico has savings for good student, anti-theft, multi-vehicle, membership and employees, and five-year accident-free.
  • State Farm offers premium reductions for student away at school, Drive Safe & Save, good student, defensive driving training, good driver, and passive restraint.

Before purchasing a policy, check with all the companies which discounts they offer. Some discounts listed above may not apply in every state. To locate insurance coverage companies who offer free insurance coverage quotes, click this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if you might need professional guidance.

  • Does liability extend to a camper or trailer?
  • Is business property covered if stolen from my car?
  • What is the difference between comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I make deliveries for my home business?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, backing into a parked car, sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, vandalism, a tree branch falling on your vehicle and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for funeral costs, doctor visits, prosthetic devices, EMT expenses and X-ray expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, loss of income and medical expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Mazda Mazda5.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

More effort can pay off

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Drivers switch companies for any number of reasons including high rates after DUI convictions, unfair underwriting practices, lack of trust in their agent and even poor customer service. It doesn’t matter why you want to switch switching auto insurance companies is pretty simple and you could end up saving a buck or two.

Low-cost 2014 Mazda Mazda5 insurance can be sourced online in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies do not provide rates over the internet and usually these small insurance companies prefer to sell through independent insurance agents.

More tips and info about auto insurance can be read in the articles below:

Comments About 2014 Mazda Mazda5 Insurance

  1. Randal Flores

    In Cranston, RI, AIG Insurance had the best rates for my 2014 Mazda Mazda5. I think they have home insurance too.

  2. Sima Delacruz

    I compared a lot of rate quotes for a 2014 Mazda Mazda5 in Biloxi, MS. Ended up at about $560 every six months with AAA. It was easy to get rates.

  3. Adella Edwards

    Will GEICO raise rates after an accident?

  4. Caroyln Ayers

    From northwest of Virginia Beach, VA. I got free prices from Allstate, American Family, and Esurance for my Mazda5 and I think I am saving around $60 each month. Was with The General. Might find lower rates online.

  5. Suzan Mccarthy

    I’m in Fort Smith, Arkansas. Quoted a bunch of companies. Saved right around $70 a month. 21st Century was the cheapest option for me. Left Farmers to switch. I’m a pretty low risk driver.

  6. Tiffani Scott

    Need cheaper insurance rates for my teenage driver in Colorado Springs, Colorado!!

  7. Juliana Buckley

    When should I drop comp and collision?

  8. Clair Collins

    Anyone try to read their policy?

  9. Sebastian Byers

    Cheaper car insurance is a myth. From northwest of New Orleans, Louisiana. Got car insurance quotes from State Farm, Esurance, and Liberty Mutual for my 2014 Mazda Mazda5 and saved $271 a year. I get multi-vehicle and multi-policy discounts.

  10. Alisia Phillips

    Got pretty cheap 2014 Mazda Mazda5 insurance from GEICO in Charlotte, North Carolina.

  11. Melva Carver

    I’m in Portland, Maine. Got car insurance rates from AIG Insurance, Erie, and Mercury for my 2014 Mazda Mazda5 and saved $148 a year. I get lower rates because of my clean driving record.

  12. Lashonda Morton

    Anyone like their agent?

  13. Alta Massey

    Cheap car insurance? What’s that? I live in Chicago, IL. Don’t remember every company but I ended up saving about $20 each month. Get lots of quotes to find the best rate.

  14. Domonique Doyle

    IT’S ALL TOO EXPENSIVE! Live in the southern part of Great Falls, MT. Checked online prices for a 2014 Mazda Mazda5. Ended up at about $570 savings annually. Went with State Farm. I get lower rates because of my clean driving record.