2019 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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Looking for the cheapest insurance rates for your Mazda CX-5? Comparison shopping for cheaper insurance might be kind of frustrating for drivers not familiar with shopping for insurance online. With dozens of online companies available, it can easily turn into a ton of work to find the best price.

It’s smart to take a look at other company’s rates periodically since rates are rarely the same from one policy term to another. Just because you found the lowest premium rates for CX-5 coverage a year ago you can probably find a lower rate today. You can search a lot of insurance out there, but by reading this article, you’re going to learn some guaranteed methods to quit paying high insurance rates.

This article will help you learn how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. But car owners do need to learn how companies compete online because it can help you find the best coverage.

Why you might pay increased rates

Consumers need to have an understanding of some of the things that help calculate the price you pay for auto insurance. If you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with cheaper rates. Many things are used when premium rates are determined. A few of the factors are predictable such as your driving history, but other factors are less apparent like your continuous coverage or how financially stable you are.

The itemized list below are some of the most rate-impacting factors companies use to determine your rates.

  • Raise comp and collision deductibles and save – Physical damage coverage, also called comprehensive and collision insurance, protects your Mazda from damage. Some examples of claims that would be covered could be a broken side mirror, vandalism, and damage from a fallen tree branch. Your deductibles tell how much you are willing to pay if a covered claim is submitted. The more damage repair cost the insured is willing to pay, the lower your rates will be for CX-5 coverage.
  • How much liability do you need? – Your policy’s liability coverage kicks in when a court rules you are at fault for damages from an accident. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Premiums for men may be higher – Statistics have proven that men are more aggressive behind the wheel. It does not mean women are BETTER drivers than men. Females and males get in at-fault accidents in similar numbers, but guys get into accidents with more damage. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI).
  • Get better rates if married – Being married actually saves money when shopping for auto insurance. Having a significant other is viewed as being more financially stable it has been statistically shown that married drivers get in fewer accidents.
  • Safer vehicles mean better premiums – Vehicles with good safety scores cost less to insure. These vehicles reduce injuries and better occupant protection means lower claim amounts and cheaper rates on your policy.

Don’t miss with these discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that many people don’t even know exist. Some trigger automatically at the time of purchase, but once in a while a discount must be requested specifically before you will receive the discount.

  • Low Miles Discount – Maintaining low annual mileage could qualify for discounted car insurance rates on garaged vehicles.
  • Paperless Signup – A few larger online companies provide a small discount just for signing your application over the internet.
  • Membership in Organizations – Joining qualifying clubs or civic groups could earn you a nice discount when shopping for car insurance.
  • Switch and Save Discount – Some insurance companies give discounts for buying a new policy before your current policy expires. It’s a savings of about 10%.
  • Military Discounts – Being deployed in the military may qualify for rate reductions.
  • Accident Forgiveness – Not a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.

As a sidenote, some of the credits will not apply to the whole policy. A few only apply to individual premiums such as comp or med pay. Despite the fact that it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

The best car insurance companies and their offered discounts can be found below.

  • Progressive has savings for online signing, multi-vehicle, continuous coverage, good student, and online quote discount.
  • GEICO may offer discounts for military active duty, air bags, emergency military deployment, anti-theft, membership and employees, daytime running lights, and good student.
  • State Farm offers discounts including driver’s education, good driver, anti-theft, passive restraint, Drive Safe & Save, student away at school, and accident-free.
  • Esurance has discounts for defensive driver, paid-in-full, safety device, claim free, multi-car, and Switch & Save.
  • The Hartford discounts include air bag, anti-theft, good student, defensive driver, bundle, driver training, and vehicle fuel type.

If you are trying to find the cheapest auto insurance quotes, ask each insurance company which discounts they offer. All car insurance discounts might not be available to policyholders in your area.

Your situation helps dictate your coverage

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions could help you determine if your situation may require specific advice.

  • Why am I required to buy liability insurance?
  • I don’t drive much so do I pay less?
  • Can I afford low physical damage deductibles?
  • Should I buy full coverage?
  • Do I benefit by insuring my home with the same company?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving on a suspended license?
  • When can my company non-renew my policy?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out your zip code.

The coverage is in the details

Knowing the specifics of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like surgery, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as loss of income, bail bonds and medical services. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda CX-5.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liability limits.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, damage from flooding, hail damage, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This coverage pays for damage to your CX-5 resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Cheaper insurance is a realistic goal

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. In many cases, drivers have reduced liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

There are still a few companies who don’t offer online rate quotes and these regional insurance providers work with independent agents. Affordable 2019 Mazda CX-5 insurance is possible on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection.

In this article, we covered some good ideas how you can shop for 2019 Mazda CX-5 insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheap auto insurance. You may even find the lowest car insurance rates are with an unexpected company.

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