2004 Mazda MPV Insurance Quotes – 7 Ways to Save

Finding and buying car insurance is not really something people love to do, but it has to be done to be legal on the road.

Fast and Easy Insurance Coverage Quotes

Performing a rate comparison can take time and effort if you don’t know the best way to get rate quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to maximize your effort.

Most car insurance companies belong to an insurance system where insurance shoppers submit one quote, and every company returns a competitive quote for coverage. This system prevents you from having to do quote forms for every insurance coverage company. To use this form to compare 2004 Mazda MPV insurance rates click here to start a free quote.

One minor caviat to comparing rates this way is that you can’t choose the companies you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using apples-to-apples coverages and limits for every company. If you compare different deductibles then you won’t be able to make an equal comparison. Quoting even small variations in limits can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting lower pricing.

Lower rates by qualifying for these seven discounts

Companies offering auto insurance don’t always list all their discounts very clearly, so here is a list some of the best known as well as the least known discounts you could be receiving.

  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
  • No Accidents – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Save over 55 – Older drivers may qualify for better insurance coverage rates for MPV insurance.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application on their website.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies who might offer these discounts are:

Before buying, ask each company what discounts are available to you. Discounts may not apply in your state.

Car insurance is unique, just like you

When choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • What is medical payments coverage?
  • Am I covered by my spouse’s policy after a separation?
  • When would I need additional glass coverage?
  • Am I covered when driving someone else’s vehicle?
  • Is business property covered if stolen from my car?
  • Can I afford low physical damage deductibles?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage – Collision coverage pays for damage to your MPV from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mazda MPV.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability auto insurance – This coverage protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as court costs, bail bonds, loss of income and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as pain medications, rehabilitation expenses, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, fire damage, hail damage, vandalism and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Better coverage you can count on

Drivers leave their current company for a variety of reasons including poor customer service, delays in paying claims, questionable increases in premium and being labeled a high risk driver. Regardless of your reason, choosing a new company can be easier than you think.

Cheap 2004 Mazda MPV insurance is definitely available on the web as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don’t offer online price quotes and these small insurance companies work with independent agents.

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone dropped liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage for the lowest price.

Other resources