View 2002 Mazda MPV Car Insurance Quotes

Locating cheaper insurance for a Mazda MPV can turn out to be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for auto insurance so you’re going to learn the quickest way to quote coverages on a Mazda and get the lowest price either online or from local insurance agents.

How to Get Cheap Auto Insurance

Getting a cheaper price on 2002 Mazda MPV insurance is surprisingly easy. You just need to take the time to get quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  1. Probably the best way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating multiple quote forms for each company you want a rate for. Taking the time to complete one form will get you rate comparisons direct from many companies. Just one form and you’re done.
  2. Another way to compare prices is spending the time to visit the website for each individual company and fill out their own quote form. For sake of this example, we’ll pretend you want rates from Allstate, State Farm and GMAC. To get rate quotes you would need to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method to get comparison rates is driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the trained guidance that only a license agent can provide. It is possible to find lower rates online and still use a local agent.

Which method you use is up to you, but ensure you’re using the exact same coverage limits with every price quote. If the quotes have mixed coverages you will not be able to make a fair comparison for your Mazda MPV.

Companies offer discounts so take them!

Companies offering auto insurance do not advertise every available discount very clearly, so here is a list some of the best known and the harder-to-find ways to save on insurance coverage. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Safe Driver Discount – Safe drivers may save up to 50% more for MPV coverage than drivers with accident claims.
  • Drive Less and Save – Fewer annual miles on your Mazda can earn discounted rates on garaged vehicles.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.

Consumers should know that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free insurance coverage policy, you’re out of luck.

A partial list of companies who might offer these money-saving discounts include:

Before buying, ask each company which discounts you may be entitled to. Discounts may not be available everywhere.

Mazda MPV rate determination is complex

Smart consumers have a good feel for some of the elements that help determine insurance coverage rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get lower insurance coverage prices.

  • Traffic violations increase rates – Just one moving violation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to file a SR-22 with their state DMV in order to continue driving.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women are in accidents at about the same rate, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • One company can mean more discounts – Many insurance companies give discounts to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible. You may still find better rates by buying insurance from more than one company.
  • Do you work long hours in a high stress job? – Occupations like doctors, social workers and accountants tend to pay higher rates than average because of stressful work requirements and lengthy work days. On the flip side, professions such as pilots, athletes and retirees have the lowest average rates for MPV coverage.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Every situation is different.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Should I buy full coverage?
  • Do I need an umbrella policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my 2002 Mazda MPV covered for smoke damage?
  • Does my personal policy cover me when driving out-of-state?
  • Can I afford low physical damage deductibles?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

The insurance coverage bait and switch

Consumers constantly see and hear ads that promise big savings by Progressive, GEICO, Allstate and State Farm. All the companies say the same thing about savings if you change to their company.

How do they all claim to save you money?

All the different companies are able to cherry pick for the type of customer that is profitable for them. A good example of a profitable customer could be over the age of 40, is a homeowner, and chooses high deductibles. A driver who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t meet the requirements will be charged more money which usually ends up with business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. This is how companies can truthfully advertise the savings. That is why you should compare as many rates as you can. You cannot predict which insurance coverage company will give you the biggest savings on Mazda MPV insurance.

Auto insurance coverages

Having a good grasp of insurance can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, hitting a deer and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, crashing into a building, backing into a parked car, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mazda MPV.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability

This provides protection from damages or injuries you inflict on people or other property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, medical expenses, pain and suffering, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses such as surgery, funeral costs, EMT expenses, chiropractic care and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

One last thing

Budget-conscious 2002 Mazda MPV insurance can be purchased online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

We’ve covered a lot of ways to reduce insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance coverage comes from the least-expected company.

As you shop your coverage around, never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Much more information about insurance coverage can be read at the links below