2007 Mazda Mazda5 Car Insurance Quotes

Trying to find low-cost insurance for a new or used Mazda Mazda5 can be difficult, but you can use the following methods to save time. There is a better way to compare insurance rates and you need to know the absolute fastest way to compare rates on a Mazda and locate the lowest price from local insurance agents and online providers.

Insurance Quote Comparison

Effectively comparing insurance prices can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most of the larger companies take part in a program that enables customers to enter their policy data once, and each company can provide price quotes for coverage. This system prevents you from having to do quote forms for each company.

To submit your quote information now, click here to open in new window.

The one disadvantage to comparing rates this way is that consumers can’t choose which companies you want to price. If you wish to select specific insurance companies to compare, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using the exact same information with every price quote. If you compare different limits and deductibles on each one you can’t possibly make an equal comparison.

You probably qualify for some discounts

Car insurance companies do not advertise all their discounts very well, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If you don’t get every credit available, you’re just leaving money on the table.

• Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
• Federal Employees – Employees or retirees of the government could cut as much as 10% off for Mazda5 insurance with select insurance companies.
• Safety Course Discount – Completing a driver safety course can save you 5% or more if you qualify.
• Lower Rates for Military – Having a deployed family member could mean lower rates.
• Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
• Air Bag Discount – Cars that have air bags can get savings of up to 25% or more.
• Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.

Consumers should know that some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

For a list of companies with discount auto insurance rates, follow this link.

There’s no such thing as the perfect policy

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

• Which is better, split liability limits or combined limits?
• How high should my medical payments coverage be?
• Is my teenager covered with friends in the car?
• How high should my uninsured/underinsured coverage be in my state?
• Will filing a claim cost me more?
• Is business equipment covered while in my vehicle?
• Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Auto insurance coverage specifics

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverages – This pays for damage to your Mazda5 resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, prosthetic devices and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverages – This coverage will cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mazda Mazda5.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, falling objects, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.