2017 Mazda CX-5 Car Insurance Rates – 9 Discounts for Cheaper Quotes

Paying low cost prices for Driversinsurance coverage could be hard for drivers new to online insurance quotes. People have so many choices that it can easily be a ton of work to find the lowest price.

How to compare free auto insurance rate quotes

Most major insurance companies make it easy to get insurance quotes on the web. Doing online quotes is quite easy because you just enter your coverage information as detailed in the form. Once you submit the form, the system requests reports for credit and driving violations and returns a price quote.

Being able to quote online streamlines rate comparisons, but the time it takes to visit several different sites and type in the same data is monotonous and tiresome. But it’s very important to have as many quotes as possible if you want to get a better rate.

An easier way to lower your auto insurance bill uses one form that gets prices from many companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more enjoyable. Immediately after you send the form, it gets priced and you can select any of the pricing results. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It can be completed in a matter of minutes and may result in a nice savings.

To quickly get comparison pricing now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you copy the coverages identical to your current policy. Doing this guarantees you will have a rate comparison based on similar coverages.

Earn discounts on car insurance

Companies that sell car insurance do not list every policy discount very clearly, so the list below details both well-publicized and also the more inconspicuous discounts you could be receiving when you buy auto insurance online. If you do not double check each discount you qualify for, you may be paying too high a price.

  • Multiple Vehicles – Purchasing coverage when you have more than one vehicle with one company can reduce the rates for all insured vehicles.
  • Early Signing – Select insurance companies give a discount for switching policies prior to your current policy expiration. It could save around 10% when you buy auto insurance online.
  • Safety Course Discount – Passing a class that teaches defensive driving techniques may get you a small discount depending on where you live.
  • Bundle and Save – If you can combine your home and auto policy with one company you could earn a discount of nearly 15% which can help you find affordable auto insurance.
  • Good Student – Being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Senior Citizen Rates – If you’re over the age of 55, you could receive a small discount on rates on CX-5 insurance.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
  • Low Mileage Discounts – Low annual miles can earn lower car insurancerates on the low mileage vehicles.
  • Clubs and Organizations – Belonging to qualifying employment or professional organizations is a good way to get lower rates on your next renewal.

Discounts lower rates, but most discounts do not apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride. But any discount will help lower your premiums.

Larger car insurance companies and a partial list of their discounts include:

  • Farmers Insurance has savings for distant student, pay in full, homeowner, early shopping, business and professional, and switch companies.
  • State Farm offers discounts including multiple autos, safe vehicle, accident-free, Drive Safe & Save, and anti-theft.
  • Liberty Mutual policyholders can earn discounts including new move discount, safety features, teen driver discount, good student, hybrid vehicle, and new vehicle discount.
  • MetLife offers discounts for accident-free, defensive driver, claim-free, good driver, and good student.
  • Progressive may offer discounts for multi-vehicle, online signing, good student, multi-policy, and online quote discount.

If you need lower rates, check with each company which discounts you qualify for. Some discounts may not be offered in every state. If you would like to see a list of companies who offer car insurance discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you would benefit from professional advice.

  • Why am I required to buy high-risk coverage?
  • Does my insurance cover my expensive audio equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • What are the financial responsibility laws in my state?
  • What is medical payments coverage?
  • When should I drop full coverage on my 2017 Mazda CX-5?
  • Do I benefit by insuring my home with the same company?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

The insurance coverage bait and switch

Well-known insurance coverage companies like State Farm, Allstate and GEICO endlessly run television, radio, and online ads. All the ads have a common claim that drivers can save some big amount if you change your policy. Is it even possible that every company can offer you a better deal?

Insurance companies can use profiling for the type of insured that earns them the highest profit. A good example of a profitable customer might have to be a female over age 40, has never had a policy lapse, and drives a car with an anti-theft system. Anybody who matches those parameters will get a cheap rate quote and is almost guaranteed to cut their rates substantially.

Insureds who do not fit this ideal profile must pay a higher rate which leads to the customer not buying. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That is how companies can truthfully make those statements. This really drives home the point why it is so important to get a wide range of price quotes. It is impossible to predict with any certainty which company will have the lowest rate quotes.

The coverage is in the details

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, falling objects, hail damage and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability – Liability coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair costs for stationary objects, legal defense fees, funeral expenses and court costs. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

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. So UM/UIM coverage is a good idea.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for surgery, doctor visits and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Make a quick buck

When shopping online for car insurance, you should never buy less coverage just to save a little money. In too many instances, an insured cut liability coverage limits and learned later that it was a big mistake. Your goal is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

More affordable car insurance is attainable from both online companies and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer internet price quotes and most of the time these regional carriers sell through independent insurance agents.

We’ve covered many ways to lower your 2017 Mazda CX-5 insurance rates. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest rates come from the smaller companies.

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