How Much Does 2013 Mazda 2 Insurance Cost?

Looking for cheaper car insurance rates for your Mazda 2? Finding cheaper insurance for a Mazda 2 can be difficult, but you can use the following methods to find lower rates. There is a better way to compare car insurance rates and we’ll show you the best way to quote coverages on a Mazda and get the best price possible from local insurance agents and online providers.

If you have insurance now or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Pricing the cheapest car insurance is not that difficult. Drivers just need to learn the tricks to shop their coverage around over the internet.

Four tips to get cheap insurance prices

Lots of things are taken into consideration when pricing auto insurance. Most are fairly basic such as traffic violations, but others are not quite as obvious such as your credit history or how financially stable you are.

  • Extra coverages you don’t use – Insurance companies have many optional add-on coverages you can purchase if you don’t pay attention. Coverages for coverage for rental cars, accident forgiveness, and additional equipment coverage could be just wasting money. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.
  • Cheaper rates by bundling – Lots of companies provide better rates for people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare other company rates to make sure you are getting the best deal.
  • Gender and auto insurance – Statistics have proven women are more cautious behind the wheel. This data doesn’t prove that males are worse at driving than females. Females and males tend to get into auto accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get ticketed for serious violations such as reckless driving.
  • Deter theft and save – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft and help bring rates down.

Insurance coverage discounts are available to cut your rates

Companies that sell car insurance don’t always advertise every policy discount very well, so the following list contains a few of the more well known and the more hidden discounts you could be receiving when you buy car insurance online.

  • Homeowners Savings – Just being a homeowner can get you a discount since owning and maintaining a home requires a higher level of personal finance.
  • Senior Citizens – Older drivers may qualify for reduced rates for 2 coverage.
  • Discounts for Good Drivers – Insureds without accidents can save up to 40% or more on their car insurance quote for 2 coverage compared to rates paid by drivers with frequent claims.
  • Professional Organizations – Having an affiliation with qualifying employment or professional organizations could trigger savings on your policy.
  • Accident Waiver – This one isn’t a discount, but companies like Allstate, Progressive, and Geico will allow you to have one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
  • No Claims – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote when compared with insureds who have frequent claims or accidents.
  • Active Military Service – Having an actively deployed family member could trigger a small discount.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a car insurance quote.

Don’t be shocked that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Popular insurance coverage companies and some of their more popular discounts include:

  • Farmers Insurance offers premium reductions for alternative fuel, multi-car, youthful driver, bundle discounts, and early shopping.
  • Esurance offers discounts including defensive driver, claim free, good student, renters, Pac-12 alumni, and multi-policy.
  • State Farm discounts include anti-theft, good driver, Drive Safe & Save, defensive driving training, student away at school, and accident-free.
  • Geico may offer discounts for daytime running lights, emergency military deployment, anti-theft, good student, membership and employees, and five-year accident-free.
  • Allstate offers discounts for good payer, anti-lock brakes, defensive driver, eSmart discount, and resident student.

If you need lower rates, check with all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to choose from a list of insurers that offer some of these discounts, click this link.

Everyone needs different insurance coverage coverages

When it comes to buying coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help highlight whether you might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does coverage extend to a rental car in a foreign country?
  • How do I buy GAP insurance?
  • Is my ex-spouse still covered by my policy?
  • Should I buy full coverage?
  • Can I get a multi-policy discount?
  • Why am I required to buy high-risk coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Specific coverages for a Mazda 2

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Mazda 2.

Since a lot of drivers have only the minimum liability required by law, 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.

Collision protection

This coverage covers damage to your 2 from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, backing into a parked car, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for liability

This coverage will cover damage that occurs to a person or their property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, medical expenses and bail bonds. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like dental work, surgery and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, falling objects, hitting a deer and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

We just showed you a lot of ways to compare 2013 Mazda 2 insurance prices online. The most important thing to understand is the more you quote car insurance, the higher your chance of finding the cheapest car insurance. Consumers could even find that the biggest savings come from a small local company.

Budget-conscious 2013 Mazda 2 insurance can be found from both online companies and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not have the ability to get a quote online and usually these smaller providers only sell coverage through independent agencies.

When shopping online for insurance, do not reduce needed coverages to save money. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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