Lower Your 2011 Mazda 2 Insurance Quotes

Searching for the cheapest insurance rates for your Mazda 2? Are you drained from not being able to scrape enough together to buy insurance? Your situation is no different than many other drivers. Many car insurance companies compete for your business, and it can be difficult to compare rates to find the absolute cheapest price

Smart consumers take time to do rate comparisons on a regular basis because insurance prices change regularly. Even if you think you had the best deal on 2 insurance on your last policy the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because you’re about to learn the proper way to eliminate unnecessary coverages and save money.

Decisions you make can impact your insurance costs

Many things are used in the calculation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are more obscure like your continuous coverage or how safe your car is.Part of the auto insurance buying process is learning some of the factors that help calculate your premiums. If you understand what determines base rates, this allows you to make good choices that could result in big savings.

  • Big city or small town – Being located in small towns and rural areas can save you money when shopping for auto insurance. Drivers who live in large cities have to deal with more auto accidents and more time behind the wheel. Less people living in that area means a lower chance of having an accident in addition to fewer liability claims.
  • Driving citations are costly – Drivers who don’t get tickets get better prices than people who have multiple driving citations. Even one driving citation can increase the cost of insurance by twenty percent. Drivers unfortunate enough to have severe citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state in order to prevent a license revocation.
  • Bundling policies can get discounts – Most major insurance companies afford a discount to policyholders that have more than one policy. It’s known as a multi-policy discount. Even with this discount, drivers will still want to compare rates to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Cut rates and deter theft – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.
  • Lower rates by increasing deductibles – Comp and collision deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims would be a windshield broken by a bird, hail damage, and having a roll-over accident. The larger the amount the insured is willing to pay, the lower your rates will be on 2 insurance.
  • Too many policy claims will drive rates up – If you tend to file frequent claims, don’t be surprised to see either higher rates or even cancellation. Insurance companies provide the best rates to drivers who only file infrequent claims. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Protect yourself with liability insurance – A critical coverage on your policy, liability insurance kicks in when you are found liable for personal injury or accident damage. Your liability coverage provides legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so do not cut corners here.
  • Never have coverage lapses – Having an insurance coverage lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.

Shop insurance online

Getting a cheap price on 2011 Mazda 2 insurance is surprisingly easy. Just take time comparing price quotes to find out which insurance company has affordable car insurance quotes. This can easily be done using a couple different methods.

  • One of the simplest ways to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quotes to each individual insurance company. In just a few minutes this one form gets you price quotes from insurance companies with the best prices.
  • A slightly less efficient method to find more affordable insurance is spending the time to visit the website for every company you want to comare to complete a price quote. For example, we’ll pretend you want to compare Liberty Mutual, Allstate and Geico. You would be required to navigate to each company’s site to enter your coverage information, which is why first method is reommended.

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

  • The last method to shop rates is to spend time driving to each insurance agency near you. Doing it all online can eliminate the need for a local agent unless your situation requires the professional assistance of a local agency. Although, it is possible find lower rates online but have your policy serviced through an agent.

The approach you take is up to you, just make sure you compare exactly the same coverages for each quote you get. If each company quotes higher or lower deductibles then you won’t be able to determine the lowest rate for your Mazda 2.

Discounts for cheaper car insurance rates

Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so the following list contains both well-publicized and the harder-to-find credits available to lower your premiums when you buy car insurance online.

  • Professional Memberships – Joining certain professional organizations could earn you a nice discount on your policy.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
  • Life Insurance Discount – Larger insurance companies have a discount if you purchase a life insurance policy as well.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts when compared with drivers with a long claim history.
  • Early Switch Discount – Some companies give discounts for switching to them prior to the expiration date on your current policy. This discount can save up to 10%.
  • Accident Forgiveness – This isn’t a discount exactly, but some companies like Progressive, Allstate, and Geico will forgive one accident before your rates go up with the catch being you have to be claim-free for a specific time period.
  • Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less on 2 insurance compared to rates paid by drivers with frequent claims.
  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums on 2 insurance.
  • Buy New and Save – Insuring a vehicle that is new can save up to 30% due to better safety requirements for newer vehicles.
  • Defensive Driving Course – Taking a course that instructs on driving safety may get you a small discount depending on where you live.

As a sidenote, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

Companies and some of the discounts include:

  • State Farm has savings for multiple policy, passive restraint, student away at school, accident-free, and safe vehicle.
  • Liberty Mutual may include discounts for exclusive group savings, new graduate, multi-car, hybrid vehicle, newly retired, and good student.
  • American Family may have discounts that include early bird, defensive driver, good student, accident-free, and good driver.
  • Progressive may offer discounts for online quote discount, homeowner, multi-policy, continuous coverage, multi-vehicle, online signing, and good student.
  • Farmers Insurance discounts include electronic funds transfer, pay in full, multi-car, mature driver, and youthful driver.
  • Auto-Owners Insurance includes discounts for multi-policy, anti-theft, paid in full, safe driver, and safe vehicle.
  • SAFECO offers discounts for bundle discounts, anti-lock brakes, safe driver, accident prevention training, teen safety rewards, drive less, and anti-theft.

It’s a good idea to ask each company or agent to give you their best rates. Some of the discounts discussed earlier may not apply in your state.

You may need specialized auto insurance coverage

When it comes to choosing the best auto insurance coverage, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I pay less if my vehicle is kept in my garage?
  • What is no-fault insurance?
  • At what point should I drop full coverage?
  • What if I owe more than I can insure my car for?
  • Is my custom paint covered by insurance?
  • Do I need motorclub coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Who is covered when they drive my 2011 Mazda 2?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Specific coverage details

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Collision coverages – Collision coverage covers damage to your 2 resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, rolling your car, damaging your car on a curb, crashing into a building and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Insurance for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses such as doctor visits, hospital visits and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Mazda 2.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum amount 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.

Be Smart and Buy Smart

Lower-priced insurance is definitely available from both online companies and also from your neighborhood agents, so you need to quote car insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get quotes online and these smaller companies only sell coverage through independent agents.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

You just read some good ideas how you can reduce 2011 Mazda 2 insurance rates online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even discover the most savings is with a small mutual company. These smaller insurers often have lower car insurance rates on specific markets compared to the large companies like Progressive or Geico.

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