Lower Your 2014 Mazda 2 Car Insurance Quotes

Looking for lower insurance rates for your Mazda 2? Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? It’s a common feeling and there are a lot of people just like you who feel imprisoned by their insurance policy. You have multiple auto insurance companies to insure vehicles with, and though it is a good thing to have a selection, more choices can make it harder to locate the cheapest rates.

Shopping for the cheapest protection is easy if you know what you’re doing. If you are insured now or need new coverage, you can follow these tips to cut your premiums while maximizing coverage. Drivers just need to know the best way to buy insurance coverage over the internet.

Earn discounts on auto insurance

Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. Most are applied at the time of quoting, but a few need to be specifically requested prior to receiving the credit.

  • Early Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Drivers Education – Have your child successfully complete driver’s ed class in high school.
  • Buy New and Save – Buying a new car instead of a used car can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Professional Organizations – Being a member of a professional or civic organization is a good way to get lower rates on your bill.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Homeowners Pay Less – Owning a house may earn you a small savings because maintaining a house requires a higher level of personal finance.
  • Accident Waiver – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
  • Federal Employees – Federal government employees could cut as much as 10% off for 2 insurance with certain companies.

It’s important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

If you would like to view companies who offer discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out whether or not you might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • How does medical payments coverage work?
  • Are rental cars covered under my policy?
  • Is my 2014 Mazda 2 covered for flood damage?
  • Am I covered when driving in Canada or Mexico?
  • Should I carry comprehensive and collision coverage?
  • Do I need PIP coverage since I have good health insurance?
  • How can I force my company to pay a claim?
  • Which companies will insure high-risk drivers?
  • When should I remove comp and collision on my 2014 Mazda 2?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverages available from auto insurance companies.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills such as ambulance fees, funeral costs, nursing services and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers claims like rock chips in glass, a broken windshield, damage from flooding and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 2014 Mazda 2.

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. Frequently these coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance covers damage to your 2 caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability coverages

This can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

One last thing about your coverage

We’ve covered a lot of information how to lower your 2014 Mazda 2 insurance car insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. Consumers may even find the best price on auto insurance is with a smaller regional carrier. Regional companies often have lower premium rates on specific markets than their larger competitors like State Farm and Allstate.

When getting auto insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where someone sacrificed full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Discount 2014 Mazda 2 insurance can be bought online and also from your neighborhood agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. Some auto insurance companies may not provide rate quotes online and usually these smaller providers prefer to sell through independent insurance agencies.

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