View 2015 Mazda CX-5 Car Insurance Rates in 2024

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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 22, 2024

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If you are a novice to online insurance shopping, by this point your are probably confused by the vast number of companies that all promise the best rates.

It’s a great practice to compare premium rates occasionally because insurance rates fluctuate regularly. If you had the lowest premium rates on CX-5 insurance at your last renewal you may be paying too much now. Block out anything you think you know about insurance because you’re going to learn one of the quickest ways to remove unneeded coverages and save money.

How to compare auto insurance quotes

Most larger insurance companies make it easy to get coverage prices direct online. Doing online price comparisons doesn’t take much effort as you simply type in the coverage amounts you desire on the page. Once you submit the form, their system obtains your driving record and credit report and provides a quote.

This makes it easy to compare insurance prices but having to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. But it is imperative to get many rate quotes if you want to get the best price on auto insurance.

Rate comparisons made easy

A more efficient way to find better auto insurance pricing uses just one form that analyzes rates from several different companies. The form is fast, reduces the work, and makes price shopping online a lot less work. After your information is entered, it is rated and you can select your choice of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The whole process takes just a few minutes to complete and you will find out if you’re overpaying now.

To quickly compare rates now, simply enter your zip code here and submit the form. If you have a policy now, it’s recommended you enter the coverages just like they are on your policy. Using the same limits helps guarantee you will be getting rate quotes using the same coverage and limits.

Lower-cost insurance rates with discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that can drop the cost substantially. Some discounts will apply at quote time, but occasionally some discounts must be asked about before you get the savings.

  • Renewal Discounts – Select companies give a discount for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles with one company could earn a price break for each car.
  • Theft Deterrent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Defensive Driver Discount – Taking part in a class that teaches driver safety techniques is a good idea and can lower rates if your company offers it.
  • Multi-policy Discount – When you combine your auto and home insurance with one company they may give you a discount of at least 10% off all policies.
  • Good Students Pay Less – Performing well in school may save as much as 25% on a insurance quote. The discount lasts up until you turn 25.
  • Claim-Free Discount – Drivers who don’t have accidents have much lower rates compared to accident-prone drivers.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Home Ownership Discount – Owning a house may earn you a small savings because owning a home requires a higher level of personal finance.

As is typical with insurance, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Companies and some of the premium reductions they offer are:

  • Progressive offers discounts for good student, multi-policy, multi-vehicle, continuous coverage, homeowner, online quote discount, and online signing.
  • The Hartford may include discounts for vehicle fuel type, bundle, good student, anti-theft, air bag, driver training, and defensive driver.
  • Mercury Insurance has savings for good student, good driver, professional/association, multi-policy, anti-theft, and location of vehicle.
  • GEICO policyholders can earn discounts including air bags, driver training, anti-lock brakes, anti-theft, and defensive driver.
  • AAA offers discounts including multi-car, anti-theft, multi-policy, good driver, and good student.
  • State Farm discounts include multiple autos, multiple policy, Drive Safe & Save, defensive driving training, and good driver.

If you need inexpensive insurance quotes, ask each insurance company the best way to save money. Some discounts listed above may not be available in your state. If you would like to view insurance companies with discount insurance rates, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation could use an agent’s help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I drive in a foreign country?
  • Am I covered by my spouse’s policy after a separation?
  • How much liability coverage do I need in my state?
  • What discounts do I qualify for?
  • How do I buy GAP insurance?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Get lower-cost car insurance with these tips

Smart consumers have a good feel for a few of the rating criteria that go into determining your car insurance rates. When you know what positively or negatively influences your rates, this enables informed choices that may reward you with lower rates.

  • Safer vehicles means lower rates – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles result in less severe injuries and better occupant protection means lower claim amounts which can mean better rates for you.
  • Don’t let your coverage lapse – Driving with no insurance is illegal and car insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, getting caught without coverage could earn you a steep fine or even jail time.
  • Annual miles is a factor – Driving a lot of miles annually the more you will pay for car insurance. The majority of insurers charge to insure your cars based on their usage. Vehicles that are left in the garage receive better premium rates as compared to vehicles used primarily for driving to work. An incorrectly rated CX-5 may be costing you. Ask your agent if your car insurance policy states the right rating data.
  • Insurance companies don’t like frequent claims – If you’re an insured who likes to file claims you should expect much higher rates or policy non-renewal. Car insurance companies provide most affordable rates to insureds that do not abuse their auto insurance. Your car insurance is intended for larger claims.
  • Is insurance cheaper for men or women? – The statistics show that men are more aggressive behind the wheel. However, don’t assume that females are better drivers. Women and men are responsible for at-fault accidents in similar percentages, but the male of the species tend to have more serious accidents. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Driving citations will cost you – How you drive has a big impact on rates. Drivers who don’t get tickets get better prices as compared to those with violations. Having a single citation may increase your cost to the point where it’s not affordable. Drivers who have multiple tickets such as DUI or reckless driving may find that they have to to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Increase comp and collision deductibles to save – Deductibles for physical damage define how much you are willing to pay before your car insurance pays a claim. Physical damage coverage, aka comp and collision, is used to repair damage to your car. Some coverage claims would be rear-ending another vehicle, animal collisions, and having a roll-over accident. The more you pay before a claim is paid (deductible), the less your car insurance will be on CX-5 insurance.
  • Theft deterrents lower premiums – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Anti-theft features like OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.

Insurance advertisements

Popular insurance providers such as Allstate and Progressive continually stream television and radio advertisements. They all seem to state the claim that you can save if you change your insurance policy to them. How does every company charge lower premium rates? It’s all in the words they use.

Companies have an ideal profile for the type of customer that earns them a profit. A good example of a desirable risk might be over age 30, has no claims, and drives a safe vehicle. Any person who matches that profile will most likely get cheap car insurance rates and will also save some money.

Consumers who do not match this stringent profile must pay a higher rate and ends up with the prospect going elsewhere. Company advertisements say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can make those statements. Different companies use different criteria so it’s extremely important to do a quote comparison often. It is impossible to guess which insurance companies will provide you with the cheapest rates.

Coverage specifics

Having a good grasp of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for things like bail bonds, funeral expenses and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your CX-5 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, hospital visits and ambulance fees. They can be 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 also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, hitting a bird and theft. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Feed the piggy bank

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. Too many times, an insured cut full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best cost.

Drivers change insurance companies for any number of reasons including policy cancellation, an unsatisfactory settlement offer, policy non-renewal or delays in paying claims. Regardless of your reason for switching companies, switching car insurance companies can be easy and end up saving you some money.

Cheaper 2015 Mazda CX-5 insurance is available online as well as from insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. A few companies don’t offer the ability to get quotes online and most of the time these small, regional companies only sell coverage through local independent agencies.

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