Slash your Mazda 5 Insurance Rates in Three Steps
If shopping your car insurance around was fun, we'd do it much more often. But most likely we pay more than we want to and don't really enjoy the buying process. Cutting the check for each renewal on your Mazda 5 might give you the same feeling.
Step One: Insurance Rate Comparison Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Now that we have the internet, shopping for car insurance online is a snap!
The first step to finding lower Mazda 5 rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Mazda 5 is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Lower your Mazda 5 Insurance Premium
There are many contributing factors that determine what you pay to insure your Mazda. You can help yourself (and your wallet) by paying attention to the following rate factors.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- Particular years and models of cars tend to be frequently stolen, and if your Mazda 5 is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Finalize your Policy Details
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Mazda 5 that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
Coverage will extend from your current policy if you're buying a Mazda 5, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Be sure to have a new policy ready to go if you are buying a new Mazda 5. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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