2013 Mazda 2 Insurance Cost

Want lower auto insurance rates for your Mazda 2? Feel like you’re a prisoner to an expensive auto insurance policy? Don’t sweat it because many consumers are in the same pinch.

Due to the large number of insurance providers from which to choose, it can be challenging to find the lowest cost auto insurance company.

It is always a good idea to get comparison quotes periodically due to the fact that insurance prices go up and down regularly. Even if you think you had the lowest quotes for 2 coverage a couple years back you will most likely find a better rate today. Forget all the misinformation about auto insurance because it’s time to teach you the tricks you need to know to reduce your cost while increasing coverage.

Take policy discounts and save

Auto insurance companies don’t always list their entire list of discounts in a way that’s easy to find, so the below list has some of the best known as well as the least known discounts that may be available.

  • Professional Organizations – Belonging to a qualifying organization may earn a discount on your next renewal.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a insurance coverage quote.
  • Paperwork-free – A handful of larger companies provide a small discount simply for signing on the web.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars on one policy can reduce rates for all insured vehicles.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% for 2 coverage compared to rates paid by drivers with frequent claims.
  • Sign Early and Save – Some larger companies reward drivers for renewing your policy before your current policy expires. Ten percent is about the average savings.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
  • Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Resident Student – Kids living away from home attending college and leave their car at home can receive lower rates.
  • Federal Government Employee – Federal government employees may reduce rates when you quote insurance coverage for 2 coverage depending on your company.

It’s important to understand that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will cut the amount you pay for coverage.

Companies that may offer quotes with these discounts may include but are not limited to:

Before you buy a policy, ask each company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your area.

How to buy insurance online

To get cheaper insurance coverage quotes, there a variety of ways of comparing price quotes from many insurance companies in your state. The best method to find the lowest 2013 Mazda 2 rates consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

The most efficient method to find low rates would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing boring form submissions to each individual insurance company. One simple form will get you rate comparisons instantly.

Another way to find better pricing requires visiting the website for each individual company and complete a new quote form. For example, we’ll assume you want to view quotes from Farmers, Safeco and GEICO. In order to compare rates, you need to spend time going to each site individually and repeatedly type in your coverage information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

The last method to get comparison rates is calling or driving to insurance agents’ offices. The fact that you can get quotes online has reduced the need for local agents unless you want the professional advice of a local agent. You can, however, comparison shop your insurance online but still have the advice of a local agent.

It’s up to you which method you use, but be sure to compare identical quote information with each company. If you are comparing different data it will be nearly impossible to get a fair rate comparison. Slightly different insurance coverages could throw off the whole comparison. It’s important to know that quoting more helps increase your odds of locating more affordable insurance.

Which policy gives me the best coverage?

When choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you might need an agent’s assistance.

  • How much liability insurance is required?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when delivering products for my home-based business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What if I owe more than I can insure my car for?
  • Am I covered when driving on a suspended license?
  • Does car insurance cover theft of personal property?
  • Do I have coverage when using my vehicle for my home business?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mazda 2.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, hitting a deer, rock chips in glass, fire damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for hospital visits, X-ray expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage

Collision coverage covers damage to your 2 from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, backing into a parked car, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability car insurance

This can cover damage that occurs to other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like legal defense fees, court costs and medical expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Find Good Coverage for Less

Lower-priced auto insurance is possible online and also from your neighborhood agents, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get a quote online and usually these smaller providers work with local independent agents.

We just showed you a lot of ways to shop for 2013 Mazda 2 insurance online. The key thing to remember is the more you quote insurance coverage, the better likelihood of getting affordable insurance coverage. Consumers may even find the best price on auto insurance is with a small mutual company. Smaller companies often have lower rates on specific markets compared to the large companies like Allstate and Progressive.

As you quote insurance coverage, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone sacrificed physical damage coverage only to regret that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best cost.

Even more information can be read at these sites: