Find More Affordable Insurance for your Mazda 2
If shopping for auto insurance was more enjoyable, it would get done more often. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. You probably feel the same way about finding lower cost coverage for your Mazda 2.
Step One: Compare Rates
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Not anymore!
You can compare insurance rates for a Mazda 2 simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Mazda 2.
Quote Tip! When doing car insurance quotes for your Mazda 2, make sure you use the exact same values for coverages and deductibles. If you use different limits, you will not be able to fairly compare rates between different companies.
Step Two: Top Ways to Get Lower Mazda 2 Insurance
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Mazda 2 insurance rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your Mazda 2. If you have bad credit, work on improving your credit score and repair past credit problems.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- Equipping your Mazda with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
Step Three: Select the Best Company for Your Needs
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Mazda added prior to the expiration of this grace period. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Mazda 2 will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
To find out more information such as auto insurance myths, rental car insurance and how to file a claim, visit the Insurance Information Institute website.
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