View 2014 Mazda 2 Car Insurance Rates in 2024

Want the cheapest insurance coverage rates for your Mazda 2? Are you drained from not being able to afford to pay insurance coverage each month? You are no different than many other drivers. Insurance companies such as Allstate and Progressive constantly bombard you with ad campaigns and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

The best way we recommend to compare car insurance company rates is to know the fact auto insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is give the companies some data including if it has an anti-theft system, how your vehicles are used, if your license is active, and whether or not you need a SR-22. The rating information is submitted instantly to many of the top insurers and they respond with quotes almost instantly.

It’s not one size fits all

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

• When should I remove comp and collision on my 2014 Mazda 2?
• Do I need added coverage for expensive stereo equipment?
• How much can I save by bundling my policies?
• How much liability do I need to cover my assets?
• Is rental equipment covered for theft or damage?
• What are the financial responsibility laws in my state?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and you can get the answers you need.

Car insurance coverages 101

Learning about specific coverages of car insurance aids in choosing the best coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages available from car insurance companies.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, falling objects, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability insurance protects you from damage that occurs to other people or property that is your fault. It protects you against claims from other people, and 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 liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, rolling your car, backing into a parked car, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills such as surgery, rehabilitation expenses, doctor visits, dental work and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Mazda 2.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liability limits.