2012 Mazda 2 Car Insurance Cost

When trying to find more affordable insurance, do you get overwhelmed by the number of car insurance choices in your area? Lot’s of other drivers are too. vehicle owners have such a large number of options that it can turn into a challenge to find lower car insurance rates.

How to buy auto insurance

When comparison shopping, there are several ways to compare rate quotes from different companies. The quickest method to do a complete rate comparison is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

One of the best ways consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This style of form prevents you from having to do separate quote forms for each price estimate. One form gets coverage cost estimates from auto insurance companies with the best prices. Just one form and you’re done.
A less efficient way to find better pricing is to take the time to go to the website for every company you want to comare and repeat the quote process. For example, let’s say you want to compare prices for Nationwide, Allstate and Progressive. You would be required to navigate to each company’s site and type in your information over and over, which can get old fast.
To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use equivalent deductibles and coverage limits with every price quote. If you use different limits and deductibles on each one you will not be able to determine which company has the best rates. Just slight variations in limits may result in large price differences. And when price shopping your coverage, quoting more helps improve the odds of finding a lower rate. Some regional insurers cannot provide online quotes, so you should also compare prices on coverage from those companies, too.

Use discounts on auto insurance

Auto insurance is not inexpensive, but you might already qualify for some discounts that can dramatically reduce your bill. Many discounts should be triggered when you complete an application, but a few must be specially asked for prior to getting the savings. If they aren’t giving you every credit possible, you could be getting lower rates.

Discounts for Safe Drivers – Insureds without accidents could pay up to 40% less for 2 coverage than their less cautious counterparts.
No Accidents – Insureds who avoid accidents and claims get the best auto insurance rates in comparison to drivers with a long claim history.
Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you may reduce your total bill.
Driver Training Discounts – Successfully completing a class that teaches defensive driving techniques may get you a small discount and easily pay for the cost of the class.
Telematics Data – Insureds that choose to allow driving data collection to analyze their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.
Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
College Student Discount – Children who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
Discount for Low Mileage – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
Club Memberships – Belonging to certain professional organizations could earn you a nice discount on auto insurance.
Mature Driver Discount – Drivers that qualify as senior citizens may be able to get better auto insurance rates for 2 coverage.

You can save money using discounts, but many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount should help lower your premiums.

A list of companies and a summarized list of policyholder discounts can be found below.

Progressive has savings for online signing, multi-policy, multi-vehicle, continuous coverage, homeowner, and good student.
AAA discounts include good student, anti-theft, good driver, education and occupation, AAA membership discount, and multi-car.
Farmers Insurance policyholders can earn discounts including bundle discounts, early shopping, distant student, teen driver, pay in full, electronic funds transfer, and switch companies.
GEICO offers discounts including daytime running lights, federal employee, air bags, defensive driver, and driver training.
Esurance has discounts for Pac-12 alumni, good driver, anti-theft, anti-lock brakes, defensive driver, and multi-policy.
SAFECO may offer discounts for homeowner, anti-lock brakes, bundle discounts, multi-car, and teen safety rewards.
State Farm offers discounts for passive restraint, driver’s education, good driver, student away at school, Steer Clear safe driver discount, good student, and safe vehicle.

If you want cheap insurance coverage quotes, ask every insurance company how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to see a list of companies that offer some of these discounts, follow this link.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different.

These are some specific questions might point out whether or not you will benefit from professional help.

Exactly who is provided coverage by my policy?
Do I need PIP (personal injury protection) coverage in my state?
Is my trailer covered?
Which companies will insure high-risk drivers?
How many claims can I have before being cancelled?
Does my policy cover my teen driver if they drive my company car?
Does my personal policy cover me when driving out-of-state?
Is a fancy paint job covered?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your insurance policy

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, fire damage, rock chips in glass and a broken windshield. The highest amount 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 removing comprehensive coverage.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Mazda 2.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as X-ray expenses, surgery and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your 2 caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverage

This coverage will cover damage that occurs to a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, repair bills for other people’s vehicles, bail bonds and funeral expenses. How much coverage you buy is your choice, but you should buy as large an amount as possible.