Cheap 2013 Mazda CX-5 Insurance Quotes

Are you sick and tired of paying out the nose each month for car insurance? Your situation is no different than most other car owners.

You have multiple car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, so many choices can make it hard to compare rates and find the lowest cost insurance.

You probably qualify for some discounts

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be asked about before they will apply.

  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Resident Student – Youth drivers who live away from home without a vehicle on campus can receive lower rates.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
  • Senior Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums on CX-5 insurance.
  • Defensive Driver – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.

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

How to Compare Auto Insurance Costs

There are a variety of methods to compare 2013 Mazda CX-5 auto insurance quotes, but one way is easier and takes less work. You can waste hours driving to local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

Most major companies take part in a program that enables customers to submit their information once, and every company can provide price quotes based on the submitted data. This saves time by eliminating form submissions to each company.

To participate in this free quote system, click here to open in new window.

The single downside to using this type of form is buyers cannot specifically choose the companies to receive prices from. If you prefer to choose specific providers to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, compare exactly the same information on every quote you get. If you are comparing different deductibles you can’t possibly determine which rate is truly the best. Having just a slight variation in insurance coverages may cause a big price difference. Keep in mind that getting more free quotes gives you a better chance of getting the best offered rates.

Mazda CX-5 insurance rates can be determined by these details

It’s important that you understand some of the elements that come into play when calculating the price you pay for insurance. Understanding what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into your rates.

  • Consolidate policies to earn discounts – Most companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
  • Having a spouse can save you money – Having a spouse actually saves money on insurance. Having a significant other is viewed as being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Better credit scores mean better rates – A driver’s credit history is a huge factor in your rate calculation. If your credit is not that good, you could be paying less to insure your 2013 Mazda CX-5 by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Mazda scored better than four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Are you male or female? – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes cause accidents at about the same rate, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance rates.
  • Small claims can cost you – If you file claims often, you can pretty much guarantee higher rates. Insurance companies award discounts to policyholders who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • No coverage gaps is important – Allowing your coverage to lapse is a quick way to bump up your insurance costs. Not only will rates go up, but being ticketed for driving with no insurance will get you a license revocation or jail time.

There’s no such thing as the perfect policy

When choosing adequate coverage, there is no “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • What can I do if my company denied a claim?
  • Why do I need rental car insurance?
  • When should my teen driver be added to my policy?
  • Does car insurance cover theft of personal property?
  • I don’t drive much so do I pay less?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Advertising myths

Insurance providers like 21st Century, Allstate and State Farm regularly use ads on TV and radio. They all make the same claim of big savings if you move your policy. How do they all say the same thing? This is how they do it.

Insurance companies have a preferred profile for the right customer that earns them a profit. For example, a preferred risk could be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A propective insured who meets those qualifications is entitled to the best price and most likely will save when switching.

Drivers who are not a match for the “perfect” profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the savings.

That is why you should get a wide range of price quotes. It’s just too difficult to predict the company that will have the lowest Mazda CX-5 insurance rates.

Insurance coverage basics

Having a good grasp of a insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, X-ray expenses, funeral costs, chiropractic care and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your CX-5 caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, crashing into a ditch, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2013 Mazda CX-5.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people, and doesn’t 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 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Knowledge is power

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cheap 2013 Mazda CX-5 insurance can be found both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Helpful learning opportunities