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The Best Rates for Mazda Auto Insurance

Things to Remember...

  • The best rates for Mazda auto insurance are likely to come from doing your research before you even buy your Mazda
  • Insurance companies take the make, model, and age of the vehicle into account so they can determine how much a particular vehicle may cost to repair or replace
  • Safety features available for newer model Mazdas include a number of devices that help make you and your passengers more secure on the road
  • If you enjoy low annual mileage, you may merit a lower insurance rate as well as an additional discount

The best rates for Mazda auto insurance are likely to come from doing your research before you even buy your Mazda. This way you can double-check what you are getting into with the types of features and history the vehicle has to keep your insurance costs lowest.

If you already have a Mazda and are looking for insurance on your existing vehicle, you can still employ strategies that keep your insurance rates as low as they can be.

Paying attention to your vehicles’ features, your own driving record, and ways to save money on Mazda auto insurance are great items to look into when shopping for car insurance.

Mazda makes a variety of sporty looking vehicles, according to the company website.

Enter your ZIP in our FREE quote tool to check out the lowest rates for car insurance today!

How Vehicle Type Plays a Part in Insurance Costs

The vehicle type is one of the secondary factors when it comes to determining rates, the California Department of Insurance says.

Insurance companies take the make, model, and age of the vehicle into account so they can determine how much a particular vehicle may cost to repair or replace.

Cars that are costly to repair or replace will generally cost you a higher premium for collision and comprehensive insurance.

Those two types of coverage take care of damage done to your vehicle, the former focusing on damage from an accident and the latter on damage from other incidents.

Car theft and vandalism falls into the comprehensive category.

Mazda Safety

Safety features available for newer model Mazdas include a number of devices that help make you and your passengers more secure on the road. They include:

  • Roll stability control
  • Dynamic stability control
  • Rear back-up camera
  • Blind-spot monitoring system
  • Traction control system

Although the website does not specifically point out airbags and seatbelts, it is probably a good bet that newer Mazdas include these features.

Older Mazda models may not come with all the latest high-tech safety devices, but airbags and seatbelts have been standard fare for some time.

How Safety Plays a Part in Insurance Costs

You may receive a break on your insurance costs for having one or more safety devices in your vehicle, the Maine Bureau of Insurance points out.

Insurance companies know that safety devices can lower their costs by decreasing the damage and severity of injuries during an accident.

The companies, in turn, may pass those savings along to you in the form of a discount.

In addition to the more advanced safety devices noted at the Mazda website, a number of others have become increasingly common.Two examples are automatic seat belts and anti-lock brakes.

Each insurance company sets its own discounts for the safety devices it deems eligible for a reduced rate on your premium.

Mazda Thefts

Car theft can drive the cost of insurance way up, especially if the vehicle is one that is frequently stolen.

No Mazda vehicle made the National Insurance Crime Bureau’s top 10 list of vehicles most stolen in 2010, but that does not mean Mazdas are exempt from theft.

Any vehicle is fair game, which is why anti-theft devices are usually a good investment.

Newer Mazda models have anti-theft options that include an advanced keyless entry so thieves may not jimmy open door handles and anti-theft alarm systems.

How Car Theft Plays a Part in Insurance Costs

Just like safety devices, anti-theft devices often work in your favor to merit a discount off your car insurance rates. Alarms systems are pretty much standard fare in newer vehicles, and they often bring a discount, as do brake and ignition locks.

In addition to devices to help prevent theft, you can also invest in devices to track down your vehicle after it’s stolen.

Such systems may also merit a discount since they increase the chances of recovering your vehicle after the fact.

One more way theft plays a part in insurance rates is the location in which you drive and store your vehicle.

Some insurance companies may charge more to insure a vehicle that is frequently in a high-crime area or stored on the street rather than in a covered or locked garage.

Mazda Technology

Newer Mazdas have additional high-tech options to accompany their advanced anti-theft and safety devices. On the list are:

  • Navigation systems
  • Hands-free phone and radio controls
  • Heated front seats
  • Power moonroofs
  • Windshield wipers that automatically sense rain
  • High-quality audio system
  • Backseat entertainment system

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How Technology Plays a Part in Insurance Costs

The more a vehicle costs to repair or replace, the more the insurance usually costs. That’s where high-tech devices could cost you a little extra if they are covered under your policy.

You may choose not to include certain expensive devices to keep the cost of your insurance lower.

However, you would then be at a loss if the device were stolen or damaged. Insurance companies may offer optional coverage for specific devices, especially those you added on your own or had customized to the vehicle.

Mazda Car Insurance Discounts

image sourceNewer-model Mazdas may already be netting you discounts for their various anti-theft and safety devices, but the discounts don’t stop there.

The Illinois Department of Insurance offers numerous examples of types of discounts car insurance companies may offer on Mazdas or any other vehicle.

Being a good driver may be one of the most common discounts, and it doubles as a factor when it comes to setting your insurance rates to begin with.

A good driving record means no points off your license, no claims in your history, and now accidents or moving violations within the last three years.

Good student discounts are another possibility, usually offered to high school students who maintain a certain GPA. Some companies may offer consideration for students who make the honor roll or receive other positive recognition.

Taking a driver’s education course may merit you discount, as long as it is a course recognized and approved by the insurance company. A driver’s education course may also help repair a less-than-perfect driving record.

It can reinforce safe driving habits and, in some states, can be taken in lieu of having points added to your driver’s license following a violation.

One more plus for a driver’s education course is the additional knowledge and experience it can provide to inexperienced drivers.

Other common discounts include multiple vehicle or multiple policy discounts. Insurance companies may reward you with money off for insuring more than one vehicle with them or holding more than one type of policy with them.

Other Ways to Keep Your Mazda Auto Insurance Costs Low

Paying attention to the factors that insurance companies use to determine your rates can also help you save money. As noted, the vehicle type plays a part, as does your overall driving record.

While you do have control over both of those factors, others are beyond your control, such as your age and gender.

How frequently you drive and how you use your vehicle are two big factors in the rate game.

If you enjoy low annual mileage, you may merit a lower insurance rate as well as an additional discount. Using your car for pleasure rather than business typically earns a lower rate, especially if your business involves a lot of driving, deliveries, or hauling cargo or passengers.

Where you live and drive plays a part, not only based on the crime and car-theft rates, but also due to congestion and accident statistics.

Highly populated, urban areas typically come with higher insurance rates than sparsely populated rural regions.

Tips for Buying Mazda Auto Insurance

Comparing quotes from more than one company can be a great way to help you find the lowest rates available. To do so, however, you must first figure out the type and amount of coverage you want.

Make a list of what you want your policy to include and the limits and deductible you want on each type of coverage.

A few general rules apply. The higher the limits, the higher the premiums. The higher the deductible, the lower the premium.

Going for the highest deductible you would be able to afford is an instant way to keep premiums lower, as is keeping the limits lower.

If you have a brand new Mazda, you may expect to pay more for insurance and you may also want to set higher limits, even if it means a higher premium.

Older models and cars that would cost more to repair than replace may save you money with lower limits, or even foregoing collision or comprehensive coverage altogether.

Just make sure you review your state’s auto insurance requirements so you can include the basic coverage required by law. Your next step is to get searching!

Compare auto insurance quotes from dozens of companies when you enter your ZIP in our FREE quote tool found here!


  1. http://www.mazdausa.com
  2. http://www.autoguide.com/auto-news/2013/07/top-10-cars-least-likely-to-be-stolen.html
  3. https://www.flickr.com/photos/creatop_peter_riley/7876622564/sizes/h/
  4. http://www.iii.org/article/how-can-i-save-money-auto-insurance

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