2011 Mazda Mazda2 Insurance Rates – 10 Tips for Best Quotes

Are you intimidated by the dozens of auto insurance options? You’re not alone. Consumers have so many options available that it can be a big hassle to find the lowest price.

You should make it a habit to compare prices before your policy renews since insurance rates are usually higher with each renewal. If you had the lowest rates for Mazda2 insurance a couple years back there may be better deals available now. Starting right now, forget all the misinformation about auto insurance because you’re going to learn one of the quickest ways to save money, get proper coverage and the best rates.

Quick Insurance Quotes

There are several ways to get quotes from different insurance companies. The easiest way by far to find competitive 2011 Mazda Mazda2 insurance rates is simply to get online rate quotes. This can be done using a couple different methods.

  1. The single most time-saving way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate quote forms for each company you want a rate for. In just a few minutes this one form will return price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to find lower rates consists of visiting each company website to request a price quote. For examples sake, let’s assume you want comparison quotes from State Farm, GEICO and American Family. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient method to get comparison rates is driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the personal advice only provided by licensed agents. It is possible to obtain prices from the web but buy from a local insurance agent.

Which method you use is up to you, but make darn sure you compare exactly the same quote information for each price quote. If you are comparing differing limits it will be next to impossible to determine the lowest rate for your Mazda Mazda2. Having just a slight variation in limits can result in a big premium difference. And when price shopping your coverage, having more price comparisons will increase your chances of finding lower pricing.

Discounts are basically free money

Companies that sell car insurance don’t always publicize every available discount in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving.

  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Accident Waiver – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Driver Safety – Completing a defensive driving course could cut 5% off your bill if you qualify.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

For a list of companies offering insurance coverage discounts, click this link.

Which insurance is the “right” coverage?

When it comes to buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

For example, these questions could help you determine if your situation will benefit from professional help.

  • Will my rates increase for filing one claim?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does insurance cover tools stolen from my truck?
  • Do I need an umbrella policy?
  • Do I have coverage when making deliveries for my home business?
  • Why do I need rental car insurance?
  • Who is covered by my policy?
  • When do I need to add a new car to my policy?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Information about specific coverages

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, hail damage and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mazda Mazda2.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage

This covers damage to your Mazda2 caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for nursing services, hospital visits, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability insurance

Liability coverage can cover damage that occurs to people or other property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like loss of income, funeral expenses and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

In the end, you save

You just learned many tips how you can reduce 2011 Mazda Mazda2 insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small local company.

When trying to cut insurance costs, never reduce needed coverages to save money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big mistake. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.

Budget-conscious insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

More detailed auto insurance information is available by following these links: