2013 Mazda 2 Insurance Quotes – 9 Ways to Save

Trying to find better insurance prices for a Mazda 2 can be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to get price quotes on a Mazda and obtain the lowest price either online or from local insurance agents.

Locating affordable coverage is simple if you know the tricks. If you have a current insurance policy or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Consumers just need to understand the proper way to get comparison quotes online.

The easiest way to compare car insurance rates is to know the trick most of the larger companies allow for online access to compare rate quotes. The one thing you need to do is give the companies some data such as whether you have decent credit, if a SR-22 is required, distance driven, and driver ages. Your information gets transmitted to many highly-rated insurers and you should receive rate quotes quickly.

Can you really save $387 a year?

Consumers can’t get away from ads for insurance savings from companies such as State Farm and Allstate. All the companies make an identical promise about how much you will save if you change your insurance policy to them.

It sounds good, but how can they all give you a lower rate? It’s all in the numbers.

Insurance providers give the cheapest rates for the type of driver that earns them the highest profit. For example, a profitable risk profile might have to be over age 30, has no driving citations, and drives newer vehicles. A customer that fits those parameters will probably get the lowest car insurance rates as well as save when switching.

Insureds who do not meet those standards may be required to pay higher prices and the customer buying from someone else. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” will save that much if they switch. That’s why companies can truthfully make those claims.

Each company has different criteria, so it is so important to compare price quotes frequently. It’s just too difficult to predict the company that will have better car insurance rates than you’re paying now.

Auto insurance discounts help cut rates

Buying auto insurance is not cheap, but there may be some discounts that can help lower your rates. Certain discounts will be triggered automatically when you complete an application, but some must be manually applied prior to receiving the credit.

  • No Accidents – Insureds with no claims or accidents pay much less when compared to accident-prone drivers.
  • Defensive Driver Discounts – Participating in a defensive driver course could earn you a small percentage discount if you qualify.
  • Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles with one company may reduce the rate for each vehicle.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break on your bill.
  • College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Military Rewards – Being on active deployment in the military could qualify you for better auto insurance rates.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up can save 10% or more off PIP or medical payments premium.
  • Payment Discounts – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will positively reduce your policy premium.

To find providers that offer many of these discounts, follow this link.

Which is the best auto insurance?

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

For example, these questions may help you determine whether you might need professional guidance.

  • Do I really need UM/UIM coverage?
  • What if I total my 2013 Mazda 2 and owe more than it’s worth?
  • Am I insured when driving a different vehicle?
  • Is my state a no-fault state?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need higher collision deductibles?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I have coverage when pulling a U-Haul trailer?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage basics

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, rock chips in glass and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance – This coverage protects you from damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things such as loss of income, court costs, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mazda 2.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills for things like rehabilitation expenses, pain medications, EMT expenses, prosthetic devices and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Be a Smart Shopper

You just read quite a bit of information on how to get a better price on 2013 Mazda 2 insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with a small mutual company.

People change insurance companies for a variety of reasons including high rates after DUI convictions, questionable increases in premium, lack of trust in their agent or even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

When shopping online for auto insurance, do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. The goal is to get the best coverage possible at the best possible price.

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