Compare 2023 Mazda CX-5 Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Sick and tired of paying out the nose to buy insurance coverage? You are in the same boat as millions of other drivers.

Drivers have multiple insurance companies to choose from, and even though it’s nice to have a selection, lots of choices makes it harder to compare company pricing.

This information will tell you how car insurance quotes work. If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. But drivers can benefit by having an understanding of the methods companies use to market insurance on the web and take advantage of how the system works.

How to buy auto insurance online

There are multiple methods you can shop for auto insurance but there is one way that is easier and takes less work. You could waste time discussing policy coverages with local insurance agents in your area, or you could use online quotes to get prices fast.

The majority of car insurance companies belong to an insurance system that allows shoppers to complete one form, and at least one company returns a competitive quote based on that information. This saves time by eliminating quote forms to each individual auto insurance company.

To participate in this free quote system, enter your zip code here.

The only downside to doing it this way is that consumers can’t choose which insurance companies you will receive quotes from. So if you prefer to pick specific insurance companies to compare rates, we have a listing of companies who write auto insurance in your area. Click to enter zip code.

The method you choose is up to you, but try to use the same coverages and limits for each quote you get. If you have differing limits it will be very difficult to determine which company has the best rates. Slightly different coverage limits could throw off the whole comparison. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a lower rate.

Drivers can save with these discounts

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but less common discounts must be requested specifically prior to getting the savings. If you’re not getting every credit available, you are not getting the best rate possible.

  • Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
  • Multiple Vehicles – Buying insurance for more than one vehicle with the same insurance coverage company can reduce rates for all insured vehicles.
  • ABS Brakes – Cars with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
  • Use Seat Belts – Drivers who require all occupants to buckle up could cut 10% or more off the personal injury premium cost.
  • Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
  • Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% for CX-5 insurance depending on your insurance coverage provider.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy a life policy as well.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.

Consumers should know that most discount credits are not given to the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

Car insurance companies that may offer quotes with these money-saving discounts are:

  • State Farm
  • Progressive
  • Progressive
  • MetLife
  • Farm Bureau

Double check with all companies you are considering to apply every possible discount. Savings might not be offered in your area. If you would like to view providers who offer online insurance coverage quotes, enter your zip code here.

Special considerations

When choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions can aid in determining whether you may require specific advice.

  • Does car insurance cover theft of personal property?
  • Is my teen driver covered when they drive my company car?
  • Is a new car covered when I drive it off the dealer lot?
  • What are the best liability limits?
  • Do all my vehicles need collision coverage?
  • Should I rate my 2023 Mazda CX-5 as pleasure use or commute?
  • How much underlying liability do I need for an umbrella policy?
  • What is no-fault insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete your zip code.

Auto insurance 101

Learning about specific coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Auto liability

Liability insurance can cover damage or injury you incur to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, emergency aid and pain and suffering. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for hospital visits, EMT expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your CX-5 caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mazda CX-5.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

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