Statistics show that a large majority of consumers have purchased from the same company for four years or more, and almost 40% of drivers have never quoted rates to find affordable coverage. With the average premium in California being $1,400, drivers can save up to $469 each year just by comparing rates, but most tend to underestimate how much money they would save if they swap their current policy for a cheaper one.
If your goal is the lowest price, then the best way to get affordable Mazda 5 insurance is to regularly compare prices from providers who sell auto insurance in Santa Ana. Drivers can shop around by following these guidelines.
First, get a basic knowledge of auto insurance and the things you can change to drop your rates. Many factors that increase rates like speeding tickets, accidents and a negative credit history can be improved by making minor changes to your lifestyle. Keep reading for additional ideas to help reduce prices and get additional discounts that may be available.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates for many different companies. View prices
Third, compare the new quotes to your existing coverage and see if you can save money. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
One thing to remember is to try to use the same coverage limits and deductibles on each quote and and to get quotes from as many different companies as possible. Doing this guarantees a fair price comparison and the best rate selection.
How to buy Santa Ana Mazda 5 insurance online
The providers in the list below offer comparison quotes in California. If more than one company is shown, we suggest you click on several of them to get a more complete price comparison.
Rates and statistics
The rate table shown below outlines detailed analysis of insurance policy prices for Mazda 5 models. Having a good grasp of how car insurance prices are calculated can help guide drivers when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 5 Sport Station Wagon | $158 | $306 | $424 | $26 | $128 | $1,042 | $87 |
| 5 Touring Station Wagon | $182 | $372 | $424 | $26 | $128 | $1,132 | $94 |
| 5 Grand Touring Station Wagon | $182 | $372 | $424 | $26 | $128 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific garaging location which can decrease or increase coverage prices significantly.
Mazda 5 full coverage rates compared to liability only
The example below compares Mazda 5 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The information is based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Should you buy full coverage or liability only?
There is no exact rule to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let's pretend your Mazda 5 replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after paying your deductible. If you are paying more than $500 annually for full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where eliminating full coverage is not recommended. If you haven't satisfied your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
When to get professional advice
When it comes to choosing coverage online or from an agent for your vehicles, there isn't really a one size fits all plan. Your financial needs are unique.
For instance, these questions can help discover whether you would benefit from professional advice.
- Does my Mazda 5 need full coverage?
- Can my teen drive my company car?
- Am I covered when using my vehicle for business?
- Is a new car covered when I drive it off the dealer lot?
- Why am I required to buy liability insurance?
- Can I make deliveries for my home business?
- Am I covered if I drive in a foreign country?
- I have a DUI can I still get coverage?
If you can't answer these questions, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form. It's fast, free and you can get the answers you need.
Car insurance agents near you
A lot of people just want to buy from a local agent and doing that can be a smart decision Good agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing insurance prices online is the fact that drivers can get cheap insurance rates and still choose a local agent. And buying from neighborhood agents is important particularly in Santa Ana.
By using this quick form, your insurance data gets sent to insurance agents in Santa Ana who can give free rate quotes for your insurance coverage. There is no reason to do any legwork because prices are sent to your email. If you wish to get a comparison quote from a specific company, you just need to search and find their rate quote page and submit a quote form there.
Shown below is a list of insurance companies in Santa Ana willing to provide rate quotes for Mazda 5 insurance in Santa Ana.
- ZIBARA INSURANCE AGENCY, INC.
1700 E Garry Ave #206 - Santa Ana, CA 92705 - (949) 660-8800 - View Map - Premier One Insurance Services
2755 N Grand Ave - Santa Ana, CA 92705 - (714) 288-6060 - View Map - First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850 - View Map - Eddie Quillares Jr - State Farm Insurance Agent
415 N Broadway - Santa Ana, CA 92701 - (714) 617-7150 - View Map
Finding the right company requires you to look at more than just the bottom line cost. These are some questions your agent should answer.
- Will you get a loaner vehicle if you car is being repaired?
- What are the financial ratings for the companies they represent?
- How are claims handled?
- If they are an independent agency in Santa Ana, which companies do they recommend?
- Are all drivers listed on the coverage quote?
If you feel you receive good answers to any questions you may have as well as the cheapest Mazda 5 insurance in Santa Ana quotes, most likely you have located an provider that meets the criteria to provide insurance coverage. Just keep in mind once you purchase a policy you can cancel your coverage at any time so don't feel that you are obligated to a policy for any length of time.