2015 Mazda 5 Insurance Quotes

I doubt anyone likes paying for car insurance, in particular when the cost is too high.

Popular companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

How to compare auto insurance quotes

There are multiple methods to shop for auto insurance, but there is one way that is easier and takes less work. You could waste time driving to insurance agencies in your area, or you could use online quotes to get prices fast.

The majority of car insurance companies enroll in a system where insurance shoppers complete one form, and at least one company returns a rated price based on the submitted data. This saves time by eliminating form submissions to each company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to doing it this way is you can’t choose which insurance companies to receive prices from. If you wish to select specific providers to request quotes from, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure to compare the same quote data for each price quote. If you use different deductibles it will be very difficult to get a fair rate comparison. Having just a slight variation in insurance coverages could skew the results. Just keep in mind that more quotes helps increase your odds of locating more affordable rates. Not every company provides quotes online, so it’s necessary to compare prices on coverage from those companies, too.

It’s not one size fits all

When it comes to choosing the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is a fancy paint job covered?
  • Do I have coverage when using my vehicle for my home business?
  • How can I get my company to pay me more for my totalled car?
  • Is upholstery damage covered by car insurance?
  • Should I have a commercial auto policy?
  • Does medical payments coverage apply to all occupants?
  • How many claims can I have before being cancelled?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Coverages available on your car insurance policy

Understanding the coverages of your car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from car insurance companies.

Liability insurance

This can cover damage that occurs to other people or property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as medical expenses, legal defense fees, funeral expenses, loss of income and bail bonds. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Auto collision coverage

This coverage pays for damage to your 5 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda 5.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills such as chiropractic care, doctor visits, surgery, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, theft and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.