2013 Mazda CX-5 Insurance Quotes

Trying to find better insurance coverage rates for your Mazda CX-5? High-priced insurance coverage can dwindle your personal savings and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate continually bombard you with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

The quickest method we recommend to compare policy rates utilizes the fact most larger insurance companies pay for the opportunity to compare their rates. The one thing you need to do is give them some information like if you went to college, deductibles desired, if the vehicle is leased, and if a SR-22 is needed. The rating information is instantly sent to many different companies and they respond with quotes quickly.

Cheaper auto insurance quotes with discounts

Some providers don’t always list all their discounts very clearly, so we researched some of the more common as well as the least known auto insurance savings. If you do not double check each discount you deserve, it’s possible you qualify for a lower rate.

• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will save you 10% or more.
• Paper-free Discount – Many companies will discount your bill up to fifty bucks simply for signing digitally online.
• ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
• Low Mileage Discounts – Keeping the miles down on your Mazda could be rewarded with slightly better auto insurancerates than normal.
• Accident Waiver – Not a discount per se, but a handful of insurance companies will let one accident slide without getting socked with a rate hike so long as you are claim-free before the accident.
• Good Student Discount – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
• Distant College Student Discount – who are attending college and do not have a car may be able to be covered for less.
• Drive Safe and Save – Drivers without accidents can get discounts for up to 45% lower rates for CX-5 insurance compared to accident prone drivers.
• New Car Discount – Putting coverage on a new car is cheaper because new model year vehicles have to meet stringent safety requirements.
• Service Members Pay Less – Having a deployed family member could trigger a small discount.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, you won’t be that lucky.

Companies and their possible discounts can be found below.

• State Farm has savings for multiple policy, good driver, Drive Safe & Save, anti-theft, passive restraint, student away at school, and driver’s education.
• Farmers Insurance may offer discounts for early shopping, homeowner, good student, teen driver, bundle discounts, and electronic funds transfer.
• Progressive offers premium reductions for multi-policy, continuous coverage, online quote discount, homeowner, and multi-vehicle.
• Geico may have discounts that include multi-policy, seat belt use, military active duty, good student, and emergency military deployment.
• Auto-Owners Insurance offers discounts for air bags, group or association, safe driver, anti-theft, anti-lock brakes, and paid in full.
• The Hartford offers discounts including driver training, bundle, air bag, vehicle fuel type, anti-theft, and good student.
• Farm Bureau has discounts for 55 and retired, safe driver, multi-vehicle, renewal discount, multi-policy, and driver training.
• USAA includes discounts for good student, driver training, new vehicle, loyalty savings, vehicle storage, military installation, and defensive driver.

Before you buy a policy, ask each company to give you their best rates. Some discounts might not apply in your area. If you would like to choose from a list of insurers with the best discounts, follow this link.

How do insurers determine Mazda CX-5 insurance rates?

Lots of factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although others are more transparent such as your credit history or how safe your car is.Consumers need to have an understanding of some of the factors that are used to determine car insurance rates. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with better car insurance rates.

• Add-on coverages you don’t use – There are a lot of additional extra coverages that may not really be needed if you aren’t careful. Things like coverage for rental cars, towing, and extra life insurance coverage are examples of these. They may seem like a good idea when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Safer cars means cheaper insurance – Vehicles with high crash test scores cost less to insure. These vehicles have better occupant injury protection and reduced instances of injuries translates directly to fewer claims and thus lower rates.
• Bad credit hurts insurance rates – Credit score can be an important factor in determining your rates. Drivers with excellent credit tend to be more responsible than those with lower credit scores. Therefore, if your credit is not that good, you could pay less to insure your 2013 Mazda CX-5 by repairing your credit.
• Liability coverage is critical – A critical coverage on your policy, liability insurance provides coverage when you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

• Do I need rental car coverage?
• Is a blown tire covered by insurance?
• If I drive on a suspended license am I covered?
• What can I do if my company won’t pay a claim?
• Do I have newly-aquired coverage?
• Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Medical expense insurance – Med pay and PIP coverage kick in for expenses like surgery, pain medications, nursing services and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance – This coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, pain and suffering and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Protection from uninsured/underinsured drivers – This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Mazda CX-5.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverages – This covers damage to your CX-5 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, damage from getting keyed and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Save your cold hard cash

We’ve covered many tips how you can get a better price on 2013 Mazda CX-5 insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the best rates are with some of the lesser-known companies. Some small companies may only write in your state and offer lower auto insurance rates than their larger competitors like State Farm, Geico and Nationwide.

Cost effective 2013 Mazda CX-5 insurance can be bought on the web and from local insurance agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some car insurance companies do not provide online quoting and these regional carriers sell through independent insurance agencies.

Other resources

• Vehicle Size and Weight FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)