Five Minute Guide to Lower Mazda Navajo Insurance Online

Buyers have lots of choices when searching for low-cost Mazda Navajo insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to find the lowest rates. There is a better way to compare auto insurance rates so we’re going to tell you the best way to quote coverages for your Mazda and locate the lowest price from local insurance agents and online providers.

Consumers need to compare prices once or twice a year because insurance rates change frequently. If you had the best price for Navajo coverage six months ago there is a good chance you can find better rates now. Don’t believe everything you read about auto insurance online, so I’m going to show you some tested techniques to save money.

Comprehensive Auto Insurance Comparison Quotes

Finding lower auto insurance rates is surprisingly easy. You just need to take the time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do separate quote forms for every auto insurance company. One quote request will get you price quotes from many national carriers. This is by far the quickest method.
A slightly less efficient method to get comparison quotes is spending the time to visit each individual company website and fill out their own quote form. For example, we’ll assume you want comparison quotes from State Farm, Liberty Mutual and American Family. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is quicker.
For a handy list of car insurance company links in your area, click here.
The least efficient way of comparing rate quotes is to drive around to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you prefer the trained guidance of a local agent. Drivers can compare the best prices online but buy from a local insurance agent. We’ll cover that shortly.

Whichever method you choose, compare the exact same quote information for each price quote. If you have mixed coverages it will be very difficult to determine which rate is truly the best.

Mazda Navajo rate determination is complex

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The following are a few of the “ingredients” used by your company to calculate rates.

Rural vs Urban Areas – Living in a rural area can save you money when buying auto insurance. Drivers in populated areas tend to have traffic congestion and much longer commute distances. Lower population means fewer accidents as well as less vandalism and auto theft.
Safe vehicles cost less to insure – Vehicles with good safety scores are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Mazda Navajo scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Increase deductibles and save – Your deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The higher the amount you’re willing to pay, the bigger discount you will receive for Navajo coverage.
Your occupation can affect rates – Occupations such as doctors, social workers and financial analysts are shown to have higher average rates because of job stress and long work hours. Conversely, professions such as pilots, engineers and the unemployed pay the least for Navajo coverage.
Are you male or female? – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
Don’t cancel a policy without a new one in place – Driving without insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will you pay more, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

More discounts equal less premium

Car insurance companies do not list all available discounts very clearly, so the following is a list of both well-publicized and also the lesser-known auto insurance savings. If you’re not getting every credit possible, you are throwing money away.

Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
Low Mileage – Keeping the miles down on your Mazda could qualify for lower rates on the low mileage vehicles.
Own a Home – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
Service Members Pay Less – Having a family member in the military can result in better rates.
College Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Driver’s Ed – Require your teen driver to complete a driver education course if it’s offered in school.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

To see a list of insurance companies offering auto insurance discounts, click here to view.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-103.jpg" alt=" insurance quotes” />

There’s no such thing as the perfect policy

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions can help discover if you will benefit from professional help.

Why am I required to get a high-risk car insurance policy?
Does medical payments coverage apply to all occupants?
Is business equipment covered while in my vehicle?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Am I covered when driving in Canada or Mexico?
Is my custom paint covered by insurance?
Am I covered when delivering products for my home-based business?
Can my teen driver be rated on a liability-only vehicle?
Do I pay less if my vehicle is kept in my garage?
How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Shop online but buy locally

A small number of people would rather visit with an insurance agent and that is a personal choice. Professional agents can answer important questions and give you peace of mind. One of the best bonuses of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to.

To find an agent, once you fill out this short form, your coverage information is instantly submitted to insurance agents who will give you bids for your insurance coverage. There is no need to drive around due to the fact that quote results will go to your email. How’s that for easy!

Choosing an insurance company should depend on more than just a low price. Here are some questions to ask:

Do they specialize in personal lines coverage?
Are there any discounts that you might be missing?
Can they provide you with a list of referrals?
Who is covered by the car insurance policy?
Do they feel the quoted coverages are adequate?
Does the agent have professional designations like CIC, CPCU or AIC?
Did they already check your driving record and credit reports?

Compare rates from both independent and captive auto insurance agents

When researching a good insurance agent, you must know there are a couple different agency structures that you can select. agents are categorized either captive or independent (non-captive). While both can do a good job, but it’s good to learn how they are different since it may influence the selection process.

Captive Insurance Agents

These agents can only place business with one company and some examples include Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. These agents receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

Independent Agents

Independent insurance agents are not employed by any specific company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparison shopping, we recommend you contact at least one independent agent for the best price selection. Most have the option of insuring with different regional companies who may have lower rates.

For a full directory of insurance agents, click here.

Once you have acceptable answers for all questions you ask and a good coverage price, you have narrowed it down to an insurance agent that meets your needs to provide auto insurance coverage.

More comparisons equals lower rates

Affordable Mazda Navajo insurance can be bought both online and with local insurance agents, and you need to comparison shop both to have the best selection. A few companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We covered quite a bit of information on how to save on Mazda Navajo insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with a small local company.

Consumers switch companies for any number of reasons including not issuing a premium refund, unfair underwriting practices, extreme rates for teen drivers and even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.