2002 Mazda MPV Insurance Quotes – 8 Tricks for Best Rates

Finding more affordable coverage rates on Driversinsurance might be very difficult for drivers not familiar with buying insurance online. Consumers have so many options that it can easily turn into a ton of work to lower your prices.

Buy insurance coverage online

When shopping for insurance coverage there are multiple ways to compare rate quotes from many different insurance companies. By far the easiest way to lower the rate you pay for Mazda MPV insurance consists of shopping online. This is quite simple and can be completed in just a few minutes using one of these methods.

  1. The most recommended method to find low rates is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for separate quotes to each individual insurance coverage company. A single, simple form gets you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to compare prices requires a trip to the website for each individual company and get a separate price quote. For examples sake, let’s assume you want to compare rates from Farmers, 21st Century and GMAC. To do that, you would have to visit each site and punch in your information repeatedly, which can take a lot of time. To view a list of companies in your area, click here.
  3. The least recommended way to quote and compare insurance rates is making phone calls or going to different agent offices. The ability to get quotes online reduces the need to sit down with an agent unless you have a need for the professional abilities that only an agent can give. Although you can find lower rates online and get advice from an agent in your area.

It’s your choice how you get your quotes, but try to keep the exact same coverages and limits on every quote you get. If you enter mixed coverages then you won’t be able to truly determine the lowest rate. Having just a slight variation in coverages could throw off the whole comparison. And when comparing insurance coverage rates, know that comparing all the rates in your area helps locate a lower rate than you’re paying now.

Insurance myths debunked

Big name companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. They all seem to convey the message that people will save just by moving to their company. How can each company charge you less for car insurance? It’s all in the words they use.

Companies have a preferred profile for the right customer that will most likely be profitable. For example, a desirable risk might be described as a female over age 40, has a clear driving record, and drives a car with an anti-theft system. Any customer who matches that profile is entitled to the best price and will most likely save money with a new company.

Insureds who don’t measure up to the ideal profile will be charged a more expensive rate which translates to the customer not buying. The wording the ads use say “customers who switch” not “everyone that quotes” save the amount stated. That’s why insurance companies can confidently make it sound like they have such great prices.

Because of this risk profiling, you really should do a price quote comparison at every renewal. It is impossible to guess the company that will have better premium rates than you’re paying now.

Don’t overlook these eight auto insurance discounts

Insurance can cost an arm and a leg, but you may be missing some discounts to help offset the cost. Some discounts apply automatically when you get a quote, but a few must be inquired about prior to getting the savings.

  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Discount for New Cars – Insuring a new car can save up to 30% because new model year vehicles have to meet stringent safety requirements.
  • Discounts for Responsible Drivers – Accident-free drivers may receive a discount up to 45% for MPV insurance than drivers with accidents.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
  • Telematics Discount – Drivers who agree to allow data collection to track driving manner by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if their driving habits are good.
  • Driver Safety – Taking time to complete a safe driver course could possibly earn you a 5% discount and also improve your driving technique.
  • Seat Belts Save – Forcing all vehicle occupants to use their safety belts could cut 10% or more on medical payment and PIP coverage.
  • Discount for Home Ownership – Just owning your own home can earn you a little savings since home ownership requires personal responsibility.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though you would think you can get free auto insurance, companies don’t profit that way.

If you would like to choose from a list of auto insurance companies that provide some of the discounts listed above, click here to view.

When to get professional advice

When it comes to choosing the best insurance coverage coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • Is a fancy paint job covered?
  • Can I afford to buy a different vehicle if my 2002 Mazda MPV is totaled?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is rental equipment covered for theft or damage?
  • Do I have any recourse if my insurance company denies a claim?
  • What are the financial responsibility laws in my state?
  • Why do I need rental car insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I missing any policy discounts?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage considerations

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Liability insurance

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income, attorney fees, legal defense fees and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your MPV from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, crashing into a building, rolling your car, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mazda MPV.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, fire damage, falling objects, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for pain medications, surgery and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Quote more, save more

When getting insurance coverage quotes online, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone sacrificed collision coverage and found out when filing a claim that it was a big mistake. The goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

A few companies don’t offer online quoting and most of the time these regional carriers work with independent insurance agencies. Cheaper car insurance is possible from both online companies in addition to many insurance agents, so you need to compare both so you have a total pricing picture.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, denial of a claim and even policy cancellation. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

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