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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Want cheaper insurance rates for your Mazda MPV? No one in their right mind enjoys paying for insurance, in particular when the cost is too high.

You have so many auto insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more difficult to find a good deal.

It’s a good idea to shop coverage around periodically due to the fact that insurance rates change quite often. Despite the fact that you may have had the best deal on MPV insurance a few years ago other companies may now be cheaper. Starting right now, ignore everything you know about insurance because you’re about to learn the tricks you need to know to save money, get proper coverage and the best rates.

The purpose of this post is to tell you how to get online quotes and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. But car owners need to have an understanding of the way companies price online insurance and apply this information to your search.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you get a quote, but a few need to be asked about before you get the savings.

  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on MPV insurance than less cautious drivers.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Driver Safety – Taking part in a defensive driving course could cut 5% off your bill if you qualify.
  • E-sign – Some insurance companies may give you up to $50 just for signing your application online.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Early Switch Discount – Select companies give a discount for switching policies before your current policy expires. It’s a savings of about 10%.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for reduced rates on MPV insurance.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut the amount you have to pay.

For a list of insurers with discount auto insurance rates, click here.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2001 Mazda MPV is totaled?
  • Are rock chip repairs covered?
  • How much can I save by bundling my policies?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the ISO rating for a 2001 Mazda MPV?
  • What is the minimum liability in my state?
  • What can I do if my company won’t pay a claim?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Can you really save $477 a year?

Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. All the companies say the same thing that you’ll save big if you move to their company. How can each company make the same claim?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. An example of a profitable customer could be over the age of 40, is a homeowner, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who do not match these standards will be quoted more money and this can result in the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save money. That’s the way insurance companies can make the claims of big savings.

This emphasizes why drivers must get quotes from several different companies. You cannot predict which company will give you the biggest savings on Mazda MPV insurance.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like prosthetic devices, surgery, pain medications and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability

Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like legal defense fees, medical expenses, court costs, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mazda MPV.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, fire damage, falling objects, hitting a bird and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

One last thing about your coverage

We just showed you many tips how you can save on 2001 Mazda MPV insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the most savings is with a small mutual company. These smaller insurers often have lower prices on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

Affordable insurance can be purchased online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at the best price while not skimping on critical coverages.

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