2012 Mazda 2 Insurance Rates – 10 Tips for Best Quotes

Searching for lower car insurance rates for your Mazda 2? Have you fallen victim to overpriced car insurance? It’s quite common and there are many people just like you.

Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute best rate

Where can I get affordable car insurance?

There are several ways of comparing rate quotes from local car insurance companies. The recommended way to find the lowest Mazda 2 rates consists of shopping online. This can be done in a couple of different ways.

  1. Without a doubt, the easiest way to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do separate quotes for each price estimate. One form will return quotes from several companies.
  2. A different way to obtain and compare quotes online requires visiting the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll pretend you want to view quotes from Auto-Owners, GEICO and American Family. You would have to visit each site to enter your coverage information, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you’re using nearly identical coverage limits and deductibles on every price quote you get. If your comparisons have different coverage information then you won’t be able to get a fair rate comparison. Having just a slight variation in insurance coverages can result in a big premium difference. And when comparison shopping, comparing more quotes helps you find the best price.

These ten discounts can lower your auto insurance quotes

Companies offering auto insurance don’t always list every discount they offer in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden credits available to you.

  • No Accidents – Drivers who stay claim-free pay less when compared with drivers who are more careless.
  • New Car Discount – Putting auto insurance coverage on a new car can get you a discount since new model year vehicles have better safety ratings.
  • Distant Student – Older children living away from home attending college and leave their car at home may be insured at a cheaper rate.
  • Accident Forgiveness – This one is not really a discount per se, but some insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
  • Discounts for Federal Employees – Active or former government employment may qualify for a discount when you quote auto insurance for 2 insurance depending on your company.
  • Discounts for Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates for 2 insurance compared to accident prone drivers.
  • Driver’s Ed – Teen drivers should complete a driver education course as it can save substantially.
  • Service Members Pay Less – Being deployed in the military may lower your prices slightly.
  • Life Insurance Discount – Select insurance companies reward you with a discounted price on car insurance if you buy life insurance from them.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.

Don’t be surprised that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.

The best auto insurance companies and their offered discounts can be read below.

  • Mercury Insurance may include discounts for age of vehicle, professional/association, accident-free, type of vehicle, ease of repair, and low natural disaster claims.
  • Farmers Insurance may offer discounts for mature driver, switch companies, homeowner, multi-car, business and professional, distant student, and alternative fuel.
  • Farm Bureau offers discounts including safe driver, good student, renewal discount, driver training, youthful driver, and multi-policy.
  • State Farm policyholders can earn discounts including student away at school, multiple autos, accident-free, multiple policy, and safe vehicle.
  • Allstate includes discounts for good payer, premier discount, economy car, safe driver, and teenSMART discount.
  • GEICO may have discounts that include multi-vehicle, daytime running lights, air bags, driver training, membership and employees, and good student.

Before you buy a policy, ask all companies you are considering which credits you are entitled to. Some credits might not be available to policyholders in your area.

Different people need different car insurance coverages

When choosing proper insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions can aid in determining if your situation could use an agent’s help.

  • I don’t drive much so do I pay less?
  • Does coverage extend to my business vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Who is covered by my policy?
  • What if I owe more than I can insure my car for?
  • Am I covered if I drive in a foreign country?
  • Am I covered by my spouse’s policy after a separation?
  • Should I put collision coverage on all my vehicles?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

The ad said I’d save $398 a year!

Companies like State Farm, Allstate and GEICO seem to constantly run ads on TV and radio. They all advertise the message that drivers can save some big amount if you just switch your coverage to them. But how can every company claim to save you money? It’s all in the words they use.

Companies give the cheapest rates for the type of customer that will add to their bottom line. An example of a profitable insured could be a female over age 40, has no prior claims, and drives a car with an anti-theft system. Anyone that hits that “sweet spot” will get very good prices and is almost guaranteed to save a lot of money.

Potential customers who fall outside these standards will be quoted higher rates which translates to business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can truthfully state the savings. Because of these techniques, you should get auto insurance quotes from several different companies. Because you never know the company that will have the best premium rates for your profile.

Coverages available on your policy

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Auto liability

This will cover damage or injury you incur to people or other property. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, medical services, funeral expenses, bail bonds and loss of income. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as pain medications, ambulance fees, chiropractic care, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a deer, a broken windshield, rock chips in glass and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2012 Mazda 2.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, hitting a mailbox, colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Quote more. Save more.

Low-cost 2012 Mazda 2 insurance is possible both online and from local insurance agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not provide internet price quotes and usually these small, regional companies only sell through local independent agents.

As you quote auto insurance, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best price and still be able to protect your assets.

Much more information about insurance is available on the following sites: