Save on 2016 Mazda Mazda2 Insurance Rates

Trying to find better car insurance rates? Buyers have lots of choices when searching for low-cost Mazda Mazda2 insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates.

There is a better way to find car insurance online so we’re going to tell you the best way to get price quotes for your Mazda and locate the cheapest rates from local insurance agents and online providers.

It is always a good idea to price shop coverage occasionally because prices are adjusted regularly by insurance companies. If you had the lowest rate on Mazda2 coverage two years ago there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because you’re going to learn the easiest way to find better rates and still maintain coverage.

How much does car insurance cost?

Finding a better price on car insurance can be surprisingly simple. Consumers just need to take time comparing rates provided by online insurance companies. It is quite easy and can be accomplished using one of these methods.

1. The recommended way to get quotes is an all-inclusive rate comparison (click to open form in new window). This style of form keeps you from doing separate forms for every car insurance company. One simple form will return quotes from multiple companies. This is perfect if you don’t have a lot of time.
2. A different way to analyze rates is spending the time to visit each company’s website to complete their respective quote request forms. For instance, we’ll assume you need rates from State Farm, Esurance and Farmers. To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, double check that you are using nearly identical coverages on every quote. If each company quotes different deductibles it will be impossible to determine which company has the best rates.

Are car insurance companies telling the truth?

Consumers can’t ignore all the ads that promise big savings by companies like Geico, State Farm and Progressive. All the companies make an identical promise that drivers will save a bundle just by moving your policy.

How does every car insurance company lower your prices? Just pay attention to how they say it.

Insurance providers quote their best rates for the type of driver that earns them the most money. One example of a profitable risk profile could be over the age of 35, has never had a policy lapse, and has excellent credit. Any driver that meets those criteria will qualify for the lowest auto insurance rates and will also save quite a bit of money when switching.

Potential customers who may not quite match these criteria will get a more expensive rate and ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great premium rates.

That is why you really should quote coverage with many companies. It is just not possible to predict the company that will fit your personal profile best.

Lower the price of car insurance with these tips

Lots of factors are part of the equation when quoting car insurance. Most are fairly basic such as your driving record, although others are more transparent such as whether you are married or your commute time.

The factors shown below are just a few of the factors car insurance companies consider when setting rates.

• Small claims can cost you – If you frequently file small claims, don’t be surprised to see either a policy non-renewal or much higher rates. Auto insurance companies give the best rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for larger claims.
• Vehicles with better crash test results means cheaper insurance – Vehicles with high crash test scores tend to have lower insurance rates. These vehicles result in less severe injuries and reduced instances of injuries translates into fewer and smaller insurance claims which can mean better rates for you.
• Drive less and save – The more miles you rack up on your Mazda in a year the higher the price you pay to insure it. A lot of insurance companies charge to insure your cars partially by how you use the vehicle. Autos used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. Ask your agent if your policy is rated on the correct driver usage, because it can save money. Incorrect rating for your Mazda2 may be costing you.
• Marriage can save on car insurance – Being married can actually save you money compared to being single. Having a spouse may mean you are more mature than a single person and it’s proven that being married results in fewer claims.
• With age comes responsibility – Mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.Beginning drivers have a tendency to be less responsible in a vehicle so car insurance rates are higher.
• Bundle home and auto and save – Many car insurance companies will give a discount to clients that purchase more than one policy in the form of a multi-policy discount. Discounts can add up to 10 percent or more. Even if you’re getting this discount you still need to shop around to help guarantee you have the best rates.

Affordable auto insurance rates with discounts

Some insurance providers do not advertise every discount they offer in an easy-to-find place, so the below list has both the well known as well as some of the hidden credits available to you.

• Seat Belt Discounts – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
• Own a Home – Owning a home can get you a discount due to the fact that maintaining a home shows financial diligence.
• Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their car insurance quote on Mazda2 coverage than drivers with accident claims.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may get savings of 20 to 30 percent.
• Early Signing – Some larger companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
• Discount for Good Grades – Being a good student may save you up to 25%. The good student discount can last up until you turn 25.
• Low Mileage Discounts – Driving less could be rewarded with discounted rates on garaged vehicles.
• Payment Method – By paying your policy upfront instead of paying each month you can avoid monthly service charges.

Just know that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, auto insurance companies aren’t that generous.

A list of auto insurance companies and some of their more popular discounts can be read below.

• State Farm offers discounts including Steer Clear safe driver discount, accident-free, Drive Safe & Save, multiple policy, and driver’s education.
• Geico may include discounts for multi-policy, five-year accident-free, military active duty, anti-theft, emergency military deployment, and seat belt use.
• Liberty Mutual discounts include multi-policy, preferred payment discount, new move discount, multi-car, and newly married.
• The Hartford may offer discounts for defensive driver, vehicle fuel type, anti-theft, good student, driver training, air bag, and bundle.
• MetLife has savings for good driver, claim-free, good student, multi-policy, defensive driver, and accident-free.
• Progressive has discounts for multi-vehicle, online signing, multi-policy, continuous coverage, and homeowner.

Before purchasing a policy, check with every company to give you their best rates. Discounts may not be available in every state. To find insurance companies that offer multiple discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

For example, these questions can aid in determining if you would benefit from professional advice.

• Does my policy cover me when driving someone else’s vehicle?
• Am I covered when driving on a suspended license?
• Should I rate my 2016 Mazda Mazda2 as pleasure use or commute?
• Should I sign the liability waiver when renting a car?
• Are split liability limits better than a combined single limit?
• Does my car insurance cover rental cars?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages 101

Having a good grasp of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for chiropractic care, surgery, rehabilitation expenses and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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 limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and loss of income. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision coverage

Collision insurance covers damage to your Mazda2 from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, colliding with a tree, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a deer and fire damage. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Be a Smart Shopper

We just covered some good ideas how you can get a better price on 2016 Mazda Mazda2 insurance. It’s most important to understand that the more you quote car insurance, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

Drivers leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, delays in responding to claim requests or even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced collision coverage only to find out that they should have had better coverage. Your goal is to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

Helpful resources

• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)