How to Get the Best Insurance Rates on a Mazda Navajo

Expensive car insurance can empty your bank account and put a big crunch on your finances. Comparing price quotes is a great way to tighten up your finances.

With so many options when it comes to car insurance, it can be challenging to find the best insurance company.

Pay less by taking advantage of discounts

Companies don’t always advertise all available discounts very clearly, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

Low Mileage – Low mileage vehicles can earn a substantially lower rate.
Paperwork-free – Certain companies will give a small break just for signing your application digitally online.
Safe Driver Discount – Safe drivers may save up to 50% more on Navajo coverage than drivers with accidents.
Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.
Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Student in College – Kids in college who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

Why your Mazda Navajo might be costing you more

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to better car insurance rates.

Where do you drive? – The more miles you rack up on your Mazda every year the higher your rates will be. Most insurance companies rate vehicles determined by how the vehicle is used. Autos left parked in the garage can get a lower rate than those used for commuting. An improperly rated Navajo can result in significantly higher rates. Make sure your car insurance policy properly reflects how each vehicle is driven, because it can save money.
Don’t let your coverage lapse – Allowing your coverage to lapse is a quick way to bump up your car insurance costs. And not only will your rates increase, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
Too many car insurance claims drive up costs – Insurance companies in Nevada provide cheaper rates to insureds who file claims infrequently. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
What are your deductibles? – Physical damage deductibles define the amount you are required to spend before your car insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The more expense you are required to pay out-of-pocket, the less your car insurance will be on Navajo coverage.
How credit affects car insurance rates – Your credit rating is a important factor in determining your rates. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores. If your credit can use some improvement, you could save money insuring your Mazda Navajo by repairing your credit.
A clean driving record saves money – Your driving record has a huge affect on how much you pay. Even a single moving violation may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.
High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Mazda Navajo has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Your local neighborhood insurance agent

Some people would prefer to get advice from a local agent and that is a personal choice. One of the best bonuses of comparing rates online is you can get the best rates but also keep your business local.

After filling out this quick form, the quote information is submitted to participating agents who will compete for your insurance coverage. You never need to leave your computer because quoted prices will be sent to the email address you provide. How’s that for easy! You can find better rates and work with a local agent.

Deciding on an provider requires more thought than just the premium amount. Here are some questions to ask: Auto insurance in Nevada

Who are their largest clients?
Is working in the agency their full-time job?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
How long has their agency been in business?
Can glass repairs be made at your home?

Types of insurance agents

When finding a good Nevada insurance agent, there are two different agency structures that you can select. Insurance agencies in Nevada are categorized either captive or independent (non-captive).

Captive Insurance Agents

Captive agencies work for only one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so keep that in mind. These agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents.

Independent Agents

Independent insurance agents do not work for one specific company so they can insure your vehicles with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparing rates, you should always include at least one independent agent to get the best comparison.

For a complete listing of agents in Nevada, click here.

After receiving reasonable responses and an acceptable price quote, most likely you have located an auto insurance agent that is a good match to properly service your car insurance policy.

Do drivers who switch really save $425 a year?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to have a common claim that you can save after switching to their company. How does each company say the same thing? It’s all in the numbers.

All companies can use profiling for the right customer that makes them money. An example of a desirable insured could possibly be between 30 and 50, a clean driving record, and has excellent credit. Any driver who fits that profile will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside this ideal profile will be quoted a higher premium which leads to the customer not buying. Company advertisements say “people who switch” not “people who quote” save that much money. That’s why insurance companies can state the savings. This emphasizes why you should get as many quotes as possible. It’s just too difficult to predict which car insurance company will fit your personal profile best.

Even more information can be found at the Nevada Division of Insurance website. Consumers can report car insurance fraud, read industry bulletins, and view agent and company licensing information.

Affordable insurance is out there

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped liability coverage limits only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Cost effective Mazda Navajo insurance can be purchased from both online companies as well as from independent agents in Nevada, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.