2015 Mazda 5 Car Insurance Quotes in 2024 – 8 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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Paying for high-priced Mazda 5 insurance can drain your bank account and force you to make tough financial choices.

Big companies like GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with catchy ads and it is difficult to see through the deception and do the work needed to find the best deal.

How to lower your insurance cost

Effectively comparing insurance prices can be exhausting if you don’t know the best way to get rate quotes. You could waste a few hours talking about coverages with insurance agencies in your area, or you could use online quotes to get pricing more quickly.

Most major companies enroll in a system where insurance shoppers submit their information once, and each participating company returns a rated price determined by their information. This eliminates the need for repetitive form submissions for each company.

To use this form to compare rates enter your zip code here.

One minor caveat to doing it this way is buyers cannot specifically choose the insurers to receive prices from. So if you prefer to pick specific providers to receive pricing from, we have a page of low cost insurance companies in your area. Click to enter zip code.

It’s up to you which method you use, but make darn sure you compare the exact same deductibles and coverage limits with every price quote. If you compare mixed coverages it’s not possible to make a fair rate comparison. Just a small difference in insurance coverages may result in large price differences. Just remember that comparing a wide range of rates helps you find lower pricing.

Eight discounts for affordable auto insurance rates

Some insurance providers don’t necessarily list the entire discount list in a way that’s easy to find, so the list below details a few of the more common and the more hidden discounts you could be receiving when you buy insurance online.

  • Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you can actually save on your bill.
  • Multi-policy Discount – If you combine your home and auto policies with one company you may earn over 10 percent off each policy depending on the company.
  • Discounts for Responsible Drivers – Safe drivers can save up to 40% or more on their insurance quote for 5 insurance than drivers with accidents.
  • No Charge for an Accident – Not necessarily a discount, but some companies like Progressive, Allstate, and GEICO will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Multiple Cars – Having multiple vehicles on a single policy can reduce the rates for all insured vehicles.
  • Driving Data Discount – Drivers who agree to allow data collection to track vehicle usage by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they have good driving habits.
  • Resident Student – Youth drivers who attend college more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Homeowners Savings – Simply owning a home can save a few bucks since home ownership is proof of financial responsibility.

As a disclaimer on discounts, most credits do not apply to the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride.

Car insurance companies who might offer these benefits may include but are not limited to:

  • GEICO
  • SAFECO
  • State Farm
  • MetLife
  • 21st Century
  • Progressive

If you need lower rates, check with each company or agent which discounts you qualify for. Discounts might not be offered in every state. For a list of insurers that offer the discounts shown above, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine if your insurance needs could use an agent’s help.

  • Will my rates increase for filing one claim?
  • Do I need special endorsements for business use of my vehicle?
  • What is covered by UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Will my insurance pay for OEM parts?
  • When can my company non-renew my policy?
  • Is my trailer covered?
  • Should I rate my 2015 Mazda 5 as pleasure use or commute?
  • What is UM/UIM insurance?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, complete your zip code.

Coverage specifics

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Insurance for medical payments – Med pay and PIP coverage kick in for bills for things like hospital visits, X-ray expenses, nursing services, EMT expenses and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2015 Mazda 5.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Liability – This can cover injuries or damage you cause to other’s property or people in an accident. It consists of 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 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as court costs, legal defense fees, repair costs for stationary objects, attorney fees and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, hail damage, damage from getting keyed and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This pays for damage to your 5 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Quote more. Save more.

You just learned many ways to lower your 2015 Mazda 5 insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the most savings is with the smaller companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

Affordable 2015 Mazda 5 insurance can be bought from both online companies as well as from insurance agents, so you need to shop insurance with both to have the best selection. Some insurance coverage companies do not provide the ability to get a quote online and these smaller companies only sell coverage through independent agencies.

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