Vehicles > Mazda > 2

Mazda 2 Insurance Rates

Shopping for car insurance from online companies saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to take the time to get rates from all providers so you can compare the lowest priced insurance.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quotes. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The best method to find the lowest Mazda 2 insurance cost consists of shopping online. This can be accomplished by visiting this page.

Insurance rates paid to insure a Mazda 2 can vary widely and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Credit rating
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Safety rating of your 2
  • Your profession
  • The amount of protection requested
  • Whether you own your home

One last important factor that will help determine the rate you pay on your Mazda is the year of manufacture. Older cars and trucks cost less so the costs to repair may end up costing you less. But newer models may have options including autonomous braking, tire pressure monitors, and dual-stage airbags which can provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage - This protects you from damage that occurs to a person or their property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Collision coverage - Collision coverage pays for damage to your Mazda from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Mazda 2 Insurance Rates?