Want to save money and find lower-priced Mazda 2 insurance in San Diego? Trying to find cheaper insurance for your Mazda 2 in California could be a painful process, but you can learn a few tricks to save time.
There are both good and bad ways to compare insurance rates and you need to know the proper way to quote coverages for a new or used Mazda and find the lowest price either online or from San Diego insurance agents.
You need to do price comparisons at least once a year because insurance prices tend to go up over time. Despite the fact that you may have had the best rates on Mazda 2 insurance in San Diego last year the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because you’re about to learn the easiest way to remove unneeded coverages and save money.
The best way we recommend to compare policy rates for Mazda 2 insurance in San Diego is to know the trick most insurance companies participate in online systems to provide you with free rate quotes. The one thing you need to do is take a few minutes to give details such as if you require a SR-22, how much school you completed, whether you are single or married, and how much you drive. The rating information gets sent immediately to all major companies and you should receive rate quotes instantly.
To compare rates for your Mazda 2 now, click here and enter the information requested.
The following companies offer price comparisons in San Diego, CA. If multiple companies are shown, we recommend you click on several of them to get the most competitive price.
Save a ton with discounts
Insurance is not cheap nor is it fun to buy but there may be some discounts that you may not even know about. Some of these discounts will be visible when you complete an application, but some discounts are required to be requested specifically before you get the savings.
- Early Switch Discount – Select larger companies give a discount for buying a policy early. You can save around 10% with this discount.
- Discount for Low Mileage – Driving fewer miles could be rewarded with lower insurance rates due to less chance of an accident.
- Senior Citizens – Drivers over the age of 55 could receive lower premium rates.
- Driving Data Discount – Insureds who allow driving data submission to study driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they exhibit good driving behavior.
- Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could cut 5% off your bill depending on where you live.
- Own a Home – Just being a homeowner may trigger a policy discount on insurance because maintaining a house shows financial diligence.
As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.
Insurance companies who may offer some of the above discounts include:
It’s a good idea to ask each company how you can save money. Depending on the company, some discounts might not be offered on policies everywhere. To find companies who offer insurance discounts in San Diego, click here.
San Diego Insurance Costs are Influenced by These Factors
Many different elements are considered when pricing auto insurance. Some of the criteria are obvious like your driving record, but others are less apparent such as your credit history or how financially stable you are.
Multi-policy discounts can save money – Most major insurance companies will award lower prices to buyers who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to shop around to help guarantee you have the best rates.
The type of car makes a difference – The performance of the car or truck you drive makes a substantial difference in determining your rates. The best insurance prices are usually found on economy passenger cars, but the final cost of insurance is determined by many other factors. Since the Mazda 2 is a subcompact, insuring your vehicle will cost about the same or even less as compared to the average rate in San Diego.
Does car insurance cost more for men? – Statistics have proven females are less aggressive when driving. It does not mean males are worse at driving than females. Men and women have fender benders at about the same rate, but the men get into accidents with more damage. Not only that, but men also get ticketed for serious violations such as DWI and reckless driving.
Use but don’t abuse your insurance – Insurance companies in California generally give the lowest premiums to insureds who only file infrequent claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for claims that pose a financial burden.
How much liability protection do you need? – The liability coverage on your policy is the coverage that protects you if ever a jury decides you are liable for causing personal injury or damage in an accident. Liability provides legal defense coverage which can cost thousands of dollars. It is affordable coverage compared to insuring for physical damage coverage, so do not cut corners here.
What if I want to buy from local San Diego insurance agencies?
Some people would prefer to sit down and talk to an agent and that is OK! Agents will help you protect your assets and help file insurance claims. One of the best bonuses of getting free rate quotes online is the fact that you can find cheap insurance quotes and still have a local agent. Buying insurance from local agencies is especially important in San Diego.
To help locate an agent, after submitting this form (opens in new window), your coverage information gets sent to companies in San Diego that can give you free San Diego car insurance quotes for your coverage. You won’t even need to leave your computer since price quotes are sent to your email. If you need to compare prices from a specific insurance company, just go to their quote page and submit a quote form there.
Exclusive agents vs. Independent agents
When narrowing the list to find a local San Diego insurance agency, it can be helpful to understand the different agency structures and how they can quote your rates. Agents are considered either independent agents or exclusive agents depending on their employer. Both handle insurance, but it’s worth mentioning the difference in how they write coverage since it could factor into which agent you choose.
Independent Insurance Agents (or Brokers)
Agents that choose to be independent are not employed by any specific company and that is an advantage because they can write policies amongst many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and the insured can keep the same agent.
When comparing rates, you absolutely need to get insurance quotes from independent agents in order to compare the most rates. A lot of them also have access to additional companies that you may not be familiar with which may provide better rates.
Listed below are independent insurance agents in San Diego that may be able to give free insurance quotes.
- Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600 – View Map
- Curtis Moring Insurance Agency Inc.
5425 Oberlin Dr #201 – San Diego, CA 92121 – (619) 718-7578 – View Map
- Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map
Exclusive Insurance Agents
These agents can only provide one company’s prices such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. They are highly trained on their products and sales techniques and that allows them to sell at a higher price point. Some people will only use the same agent mostly because of loyalty to the company and the convenience of having all coverages with one company.
Shown below are exclusive insurance agents in San Diego that can give you comparison quotes.
- Farmers Insurance – Aaron Farmer
7960 Silverton Ave #202 – San Diego, CA 92126 – (858) 689-0466 – View Map
- Mike Moore – State Farm Insurance Agent
12880 Rancho Penasquitos Blvd d – San Diego, CA 92129 – (858) 484-1297 – View Map
- Allstate Insurance: Philip Mullane
3555 Rosecrans St Ste 202 – San Diego, CA 92110 – (619) 223-2191 – View Map
Choosing a car insurance agent is decision based upon more than just the price. You should also get answers to these questions.
- Can glass repairs be made at your home?
- Who is covered by the car insurance policy?
- Does the company use OEM repair parts?
- Can you use your own choice of collision repair facility?
- If your car is in the repair shop, do you have coverage for a rental car?
How do I know if I need professional advice?
When choosing proper insurance coverage for your personal vehicles, there really isn’t a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply.
These are some specific questions can aid in determining whether or not you may require specific advice.
- Why do I have to buy liability insurance?
- Do I need to file an SR-22 for a DUI in California?
- How high should my medical payments coverage be?
- What is the ISO rating for a Mazda 2?
- Can I drive in Mexico and have coverage?
- Do I have coverage if my license is suspended?
- Do I need added coverage for expensive stereo equipment?
- Does my liability insurance cover pulling a trailer or camper?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Brand name doesn’t guarantee savings
Consumers can’t ignore all the ads that promise big savings for switching from the likes of Allstate and Progressive. All the ads state the claim that people will save after switching your auto insurance coverage to their company.
But how can every company charge you a lower premium? Here is how they do it.
Most companies have specific characteristics for the type of driver that will add to their bottom line. One example of this type of driver may be between the ages of 30 and 50, has other policies, and has excellent credit. A customer getting a price quote that matches those criteria will qualify for the lowest premium rates in San Diego and will save a lot on San Diego Mazda 2 insurance if they switch.
People who fall outside the ideal profile will probably have to pay a higher premium which leads to the customer buying from someone else. The trick companies use is to say “people who switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can confidently make claims like that.
This illustrates why it is so important to compare rate quotes every year. You cannot predict which company will provide the lowest Mazda 2 insurance in San Diego.
Cheaper auto insurance premiums are possible
We just covered quite a bit of information on how to compare Mazda 2 insurance car insurance rates in San Diego. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates are with a lesser-known regional company. They may have significantly lower premium rates on certain market segments compared to the large companies like Allstate and Progressive.
When shopping online for auto insurance, it’s very important that you do not buy less coverage just to save a little money. Too many times, consumers will sacrifice liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.
To read more, feel free to visit the resources below:
- Event Data Recorders FAQ (iihs.org)
- What Insurance is Cheapest for Uninsured Drivers in San Diego? (FAQ)
- Who Has the Cheapest San Diego Car Insurance for High Risk Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Equinox in San Diego? (FAQ)
- Who Has Affordable Car Insurance Quotes for Teenage Females in San Diego? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Teen Driving and Texting (State Farm)
- Auto Crash Statistics (Insurance Information Institute)