How many times have you said it's time to compare more affordable Mazda CX-5 insurance in Seattle? Have you fallen victim to overpriced Mazda CX-5 insurance in Seattle? Don't feel bad because many Seattle consumers feel financially strained by their auto insurance policy.
A recent survey discovered that the vast majority of drivers kept their coverage with the same auto insurance company for at least the last four years, and nearly 40% of drivers have never taken the time to shop around. Washington insurance shoppers can save hundreds of dollars each year by just comparing rate quotes, but they just don't want to compare rate quotes. Lots of auto insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to get the lowest rate possible on Mazda CX-5 insurance in Seattle.
You should make it a habit to take a look at other company's rates yearly because insurance prices change regularly. Just because you found the lowest price on Mazda CX-5 insurance in Seattle at your last renewal you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because you're about to learn one of the quickest ways to lower your rates without sacrificing coverage.
If you're already insured or need a new policy, take advantage of these tips to cut your premiums and possibly find even better coverage. Buying the cheapest insurance in Seattle is really quite easy. Shoppers just have to use the most time-saving way to compare rate quotes online from multiple companies.
Low-cost companies for Mazda CX-5 insurance
The companies in the list below are ready to provide price quotes in Washington. If multiple companies are listed, it's highly recommended you click on several of them to find the most competitive auto insurance rates.
Seattle car insurance discounts
Buying car insurance is not cheap, but there are discounts available that many consumers don't even know exist. Some discounts will apply when you quote, but a few must be inquired about before being credited. If you do not double check each discount you qualify for, you're paying more than you need to.
- Passive Restraints and Air Bags - Factory air bags can qualify for discounts of more than 20%.
- Student Driver Training - Have your child take driver's ed class in school or through a local driver safety program.
- Low Mileage Discounts - Maintaining low annual mileage could earn slightly better prices than normal.
- Use Seat Belts - Drivers who always wear seat belts and also require passengers to use their safety belts can save a little on the medical payments or PIP coverage costs.
- Data Collection Discounts - Policyholders that allow data collection to spy on vehicle usage through the use of a telematics system such as Progressive's Snapshot and State Farm's In-Drive could possibly reduce rates as long as the data is positive.
- E-sign Discounts - A few larger online companies will give a small break for signing up digitally online.
- No Charge for an Accident - This one isn't a discount, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
- Distant Student Discount - Kids living away from Seattle attending college and don't have a car can receive lower rates.
- Active Service Discounts - Being on active deployment in the military can result in better premium rates.
- Government Employees - Active or former government employment could cut as much as 10% off but check with your company.
Just know that most discount credits are not given to the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn't make money that way.
If you would like to choose from a list of providers with discount car insurance rates in Washington, follow this link.
Good Decisions Result in Lower Insurance Rates
Lots of things are considered when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other factors are not as apparent such as whether you are married or your commute time.
Lower premiums for vehicles with better crash test results - Safer cars tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and fewer serious injuries translates into savings for insurance companies passed on to you as lower rates. If your Mazda CX-5 scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Is your car built for speed? - The make and model of the vehicle you need to insure makes a big difference in your auto insurance rates. Since the Mazda CX-5 is a crossover, rates will be slightly more as compared to the average rate in Seattle. Small economy passenger vehicles usually have the lowest premiums, but other factors influence the final cost greatly.
High credit scores save money - Your credit score is a large factor in calculating your auto insurance rates. People that have excellent credit scores tend to file fewer claims than those with lower ratings. Therefore, if your credit history leaves room for improvement, you could pay less to insure your Mazda CX-5 by improving your credit score.
Save money by raising physical damage deductibles - Physical damage insurance, also called comprehensive and collision insurance, covers your vehicle from damage. Some instances where coverage would apply are a broken side mirror, damage from fire, and windstorm damage. The deductibles represent how much money the insured will be required to pay if you file a covered claim. The more expense the insured has to pay upfront, the lower your rates will be.
Stay claim-free and save money - If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Car insurance companies in Washington give cheaper rates to policyholders who do not file claims often. Your car insurance is intended for the bigger claims that can't be paid out-of-pocket.
Don't buy add-on coverages that aren't used - Policies have extra add-on coverages that may not really be needed on your auto insurance policy. Coverages like rental car reimbursement, accidental death, and membership fees may be wasting your money. They may seem like a good idea when discussing your needs, but now you might not need them so remove them and pocket the money.
Stress out and pay more - Jobs like real estate brokers, social workers and miners generally have higher average rates because of stressful work requirements and lengthy work days. On the other hand, jobs like actors, athletes and performers pay the least.
How old are your drivers? - Older insureds are more responsible, cause fewer claims and accidents, and usually have better credit.Teenage drivers are known to be inattentive and easily distracted when driving with friends therefore auto insurance rates are much higher.
Loss statistics for a Mazda CX-5 - Auto insurance companies study historical loss data to help determine the price you pay. Vehicles that tend to have higher frequency or amount of claims will be charged more to insure.
The table below illustrates the historical loss data for Mazda CX-5 vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is set at 100. Percentages below 100 represent a good loss history, while numbers above 100 indicate more frequent losses or tendency to have larger claims.
Mazda CX-5 Insurance Loss Statistics
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Mazda CX-5 4dr 2WD||66||88||85||79||83||76|
|Mazda CX-5 4dr 4WD||71||83||102||79||74||72|
Statistics from IIHS.org for 2013-2015 Model Years
Compare prices but buy from a local neighborhood Seattle car insurance agent
A lot of people just prefer to have an agent's advice and that can be a smart move Good insurance agents are trained risk managers and help you file claims. The best thing about getting online price quotes is that drivers can save money and get the lowest rates and still choose a local agent.
Once you complete this form (opens in new window), the coverage information gets sent to local insurance agents who will give you bids to get your business. You won't even need to search for an agent because quoted prices will be sent immediately to you. If you have a need to get a price quote from a particular provider, just go to their quote page and give them your coverage information.
Choosing the best provider requires you to look at more than just the bottom line cost. These questions are important to ask:
- What insurance companies do they work with in Seattle?
- Is insurance their full-time profession?
- If independent agents, which companies do they recommend?
- Will the quote change when the policy is issued?
- Is there a local claims center in Seattle?
Choose an insurance agent wisely
If you want to use a local agent, you must know there are a couple different types of agents to choose from. Agencies in Seattle are either exclusive or independent agents depending on their company appointments. Both types can sell and service insurance coverage, but it's good to learn the differences since it may influence your selection of an agent.
Exclusive agencies can only provide one company's prices and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot compare rates from other companies so it's a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates.
Shown below are Seattle exclusive insurance agents who may provide you with price quote information.
Independent Insurance Agencies
Independent insurance agents are not required to write business for one company and that allows them to write policies with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.
If you are trying to find cheaper rates, we highly recommend that you compare quotes from a couple of independent agencies to have the most options to choose from.
Below is a list of independent insurance agencies in Seattle who can help you get price quote information.
After receiving reasonable responses to any questions you have as well as cheap CX-5 insurance quotes, you've probably found an insurance agent that meets the criteria to properly service your insurance policy. But keep in mind you are entitled to cancel coverage whenever you choose to so don't assume you're contractually obligated to any specific company for the full term.
Does insurance advertising bend the truth?
Consumers in Washington can't get away from ads that claim the cheapest premium rates by companies like Progressive, Allstate and GEICO. They all seem to seem to make the promise about how much you will save just by moving to their company.
But how can every company claim to save you money?
All the different companies have underwriting criteria for the right customer that will not have excessive claims. One example of a driver they prefer may need to be over the age of 40, has never had a claim, and does not commute to work. Any driver who meets those qualifications will probably get the lowest rates and therefore will pay quite a bit less when switching companies.
Consumers who do not fit this stringent profile will be quoted more expensive rates and ends up with business not being written. Company advertisements say "drivers who switch" not "everyone that quotes" save the amount stated. That's the way companies can truthfully make those statements. Because of these techniques, you really should do a quote comparison often. Because without a comparison, you cannot know the company that will provide the lowest Mazda CX-5 insurance in Seattle.
One last note
When you buy Seattle car insurance online, make sure you don't reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best possible price, but don't skip important coverages to save money.
Low-cost Mazda CX-5 insurance in Seattle can be found from both online companies in addition to many Seattle insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not provide online quoting and most of the time these small, regional companies only sell coverage through independent agents.
- Prom Night Tips for Teen Drivers (State Farm)
- How Much is Seattle Auto Insurance for Real Estate Agents? (FAQ)
- What Insurance is Cheapest for Safe Drivers in Seattle? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Seattle? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)