2014 Mazda 5 Car Insurance Quotes in 2024 – 5 Ways to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 14, 2024

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Looking for better insurance coverage rates for your Mazda 5? Buying budget-priced insurance coverage may be somewhat intimidating for beginners to comparing rates and buying insurance coverage over the internet. With a ridiculous number of online companies available, how are we expected to even start to compare each option to find the cheapest rates?

It’s a good idea to compare prices yearly since prices change regularly. If you had the best rates on 5 insurance last year other companies may now be cheaper. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the easiest way to find great coverage at a great price.

Cheap insurance quotes with discounts

Companies that sell car insurance don’t always publicize every possible discount in an easy-to-find place, so the list below contains some of the best known and the more hidden credits that may apply to you.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • ABS Braking Discount – Vehicles with ABS and/or traction control are safer to drive and therefore earn up to a 10% discount.
  • Telematics Devices – Drivers who agree to allow driving data submission to spy on driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts if they are good drivers.
  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Waiver for an Accident – This isn’t a discount exactly, but some companies like State Farm, Progressive and GEICO may permit one accident before your rates go up if you are claim-free before the accident.

Keep in mind that some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To find companies with significant discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my nanny covered when driving my vehicle?
  • What happens if I owe more than my 2014 Mazda 5 is worth?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is there coverage for injuries to my pets?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete your zip code.

Parts of your auto insurance policy

Understanding the coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, rock chips in glass, theft, hail damage and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, funeral costs and nursing services. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mazda 5.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liability limits.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, backing into a parked car, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability – This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. 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 limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, bail bonds, court costs, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Do the work, save more money

Low-cost 2014 Mazda 5 insurance can be sourced on the web and also from your neighborhood agents, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies may not provide rate quotes online and these smaller companies sell through independent agents.

We just presented many tips how you can reduce 2014 Mazda 5 insurance premium rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Insureds change insurance companies for a variety of reasons including delays in paying claims, denial of a claim, an unsatisfactory settlement offer or even poor customer service. Whatever your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.

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