Cheaper 2011 Mazda Mazda2 Insurance Quotes

Nobody I know enjoys paying for insurance, especially when their premiums are too high. Many auto insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurers to discover the definitive lowest price

It’s a good habit to compare rates every six months since rates tend to go up over time. Despite the fact that you may have had the best deal for Mazda2 coverage a few years ago you can probably find a lower rate today. There is a lot of bad information regarding insurance on the internet, so with this article, you’re going to get some excellent ideas to slash your insurance rates.

If you are insured now or are looking for a new policy, you can use these tips to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to understand how to shop their coverage around on the web.

Mazda Mazda2 premiums are determined by many factors

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in better auto insurance rates.

  • Equipment add-ons that lower auto insurance rates – Driving a car with an alarm system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Do you have enough liability coverage? – Liability coverage provides coverage in the event that a court rules you are at fault for damages from an accident. Liability provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mazda Mazda2 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Adjust deductibles and save – The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Mazda2 coverage.
  • Where do you drive? – The more miles you rack up on your Mazda in a year’s time the more you will pay for auto insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. An improperly rated Mazda2 may be wasting your money. Double check that your auto insurance policy is rated on how each vehicle is driven.
  • Do you need those extra coverages? – There are a ton of extra bells and whistles that you can buy on your Mazda2 policy. Coverages for personal injury protection, towing coverage and additional equipment coverage are examples of these. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Your location is important – Living in a rural area can save you money when buying auto insurance. Urban drivers have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident.

How to Compare Insurance Rates

Getting a lower price on 2011 Mazda Mazda2 insurance is not a difficult process. Drivers just need to spend a few minutes to get quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

Probably the best way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for separate quote forms for each company. One form submission gets rate comparisons from many national carriers.

A more time consuming way to get comparison quotes requires visiting the website of each company and fill out their own quote form. For examples sake, let’s assume you want to compare rates from USAA, Geico and Travelers. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

However you get your quotes, be sure to compare apples-to-apples information on every quote. If you compare different deductibles it will be impossible to determine the lowest rate for your Mazda Mazda2.

Cut your premium with discounts

Auto insurance companies don’t always list every available discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • One Accident Forgiven – Certain companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
  • Own a Home – Owning a house can save you money because owning a home demonstrates responsibility.
  • Organization Discounts – Belonging to a professional or civic organization may earn a discount when buying insurance for Mazda2 coverage.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

A partial list of companies that possibly offer these money-saving discounts are:

Double check with each insurance company which discounts they offer. All car insurance discounts might not be offered in every state.

What is the best insurance coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out whether your personal situation might need professional guidance.

  • What happens if I owe more than my 2011 Mazda Mazda2 is worth?
  • Does insurance cover tools stolen from my truck?
  • When do I need to add a new car to my policy?
  • What is covered by UM/UIM coverage?
  • What is roadside assistance coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I pay less if my vehicle is kept in my garage?
  • Why do I need rental car insurance?
  • Does medical payments coverage apply to all occupants?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Specific coverages for a 2011 Mazda Mazda2

Learning about specific coverages of auto insurance helps when choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, damage from flooding, hitting a bird, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, pain medications and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mazda Mazda2.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as pain and suffering, structural damage, bail bonds, repair costs for stationary objects and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Auto collision coverage

This will pay to fix damage to your Mazda2 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

A penny earned…

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret that it was a big mistake. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Affordable 2011 Mazda Mazda2 insurance is definitely available on the web and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Even more information is available by following these links: