Cheap 2015 Mazda Mazda5 Insurance Quotes

Searching for the cheapest insurance coverage rates for your Mazda Mazda5? Are you tired of scraping nickels together each month for insurance coverage? You have the same problem as many other consumers.

Due to the large number of companies and agents to choose from, it can be hard to locate the most cost effective company.

These discounts can lower your insurance rates

Insurance can be pricey, but you may find discounts that may help make it more affordable. Some discounts will apply when you complete an application, but a few must be inquired about before you get the savings. If you are not receiving all the discounts possible, you’re paying more than you need to.

  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Mazda5 insurance with select insurance companies.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount since new model year vehicles have better safety ratings.
  • Online Discount – Some companies provide a small discount get car insurance over the internet.
  • Military Discounts – Being deployed with a military unit could mean lower premium rates.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Bundled Policy Discount – When you combine your homeowners and auto insurance with one company you may save up to 20% and get you affordable car insurance.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
  • Smart Student Discounts – A discount for being a good student may save as much as 25% on a car insurance quote. You can use this discount normally up to age 25.

As a sidenote, many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, nobody gets a free ride.

A list of insurance companies and their offered discounts are:

  • GEICO discounts include federal employee, daytime running lights, military active duty, driver training, five-year accident-free, good student, and multi-vehicle.
  • USAA offers premium reductions for good student, defensive driver, family discount, loyalty savings, and multi-policy.
  • Progressive may offer discounts for multi-policy, continuous coverage, online signing, good student, online quote discount, and homeowner.
  • American Family has discounts for bundled insurance, TimeAway discount, Steer into Savings, good driver, and multi-vehicle.
  • Esurance has savings for homeowner, paid-in-full, online shopper, online quote, Switch & Save, Pac-12 alumni, and good student.
  • Farmers Insurance offers discounts for good student, pay in full, switch companies, early shopping, distant student, teen driver, and homeowner.
  • State Farm may include discounts for student away at school, good student, good driver, safe vehicle, and Steer Clear safe driver discount.

Before you buy a policy, ask each company how many discounts you can get. Some discounts listed above may not be offered in every state. To see a list of companies that provide some of the discounts listed above, click here to view.

Different people need different auto insurance coverages

When buying coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • What are the financial responsibility laws in my state?
  • Does my 2015 Mazda Mazda5 need full coverage?
  • Should I buy additional glass protection?
  • Why do I need rental car insurance?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I hit a deer?
  • Does my policy pay for OEM or aftermarket parts?
  • If my 2015 Mazda Mazda5 is totaled, can I afford another vehicle?
  • Which companies will insure high-risk drivers?
  • Am I missing any policy discounts?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Specific coverage details

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, hail damage and rock chips in glass. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 2015 Mazda Mazda5.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability

This coverage protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like dental work, pain medications, prosthetic devices, EMT expenses and nursing services. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Mazda5 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, scraping a guard rail, backing into a parked car, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

In conclusion

In this article, we covered a lot of tips how to reduce 2015 Mazda Mazda5 insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

Some companies may not have online price quotes and these small, regional companies only sell through independent insurance agents. Low-cost 2015 Mazda Mazda5 insurance can be purchased from both online companies as well as from independent agents, so you need to compare both to get a complete price analysis.

Much more information about insurance coverage is located at the links below