Discount Mazda 5 insuranceWant to save money and find cheaper Mazda 5 insurance in Atlanta? I can't think of anyone who enjoys paying for car insurance, especially when the prices are way too high.

A recent car insurance study revealed that a large majority of consumers have bought car insurance from the same company for more than four years, and just under half have never compared rate quotes at all. American drivers can cut their rates by as much as 47% a year by just shopping around, but they just assume it takes a lot of time to compare rate quotes online.

Numerous car insurance companies battle for your business, so it's not easy to compare every insurance company and uncover the absolute best rates possible on Mazda 5 insurance in Atlanta.

If you have coverage now, you will be able to find the best rates using these methods. Locating the most cost-effective auto insurance policy in Atlanta is actually quite simple. Nevertheless, Georgia vehicle owners do need to understand the way insurance companies determine how much to charge because rates fluctuate considerably.

When quoting insurance, remember that more quotes increases the chance that you will find a lower rate.

The companies in the list below are our best choices to provide comparison quotes in Atlanta, GA. If multiple companies are shown, we suggest you click on several of them in order to find the cheapest rates.

Mazda 5 Insurance Cost Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $158 $260 $342 $20 $102 $882 $74
5 Touring Station Wagon $308 $562 $344 $20 $104 $1,338 $112
5 Grand Touring Station Wagon $292 $630 $378 $22 $114 $1,436 $120
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in specific location which can affect premium rates noticeably.

Deductible comparison

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The rates shown below outline the costs and benefits between low and high physical damage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Mazda 5 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $294 $502 $334 $20 $100 $1,275 $106
5 Touring Station Wagon $338 $612 $334 $20 $100 $1,429 $119
5 Grand Touring Station Wagon $338 $612 $334 $20 $100 $1,429 $119
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Mazda 5 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $164 $264 $334 $20 $100 $882 $74
5 Touring Station Wagon $188 $322 $334 $20 $100 $964 $80
5 Grand Touring Station Wagon $188 $322 $334 $20 $100 $964 $80
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can change insurance rates noticeably.

Based on the above data, using a $100 deductible costs about $37 more each month or $444 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 24 months between claims, you would probably come out ahead if you opt for a higher deductible.

Does it make sense to buy full coverage?

The illustration below examines Mazda 5 car insurance rates with full coverage and liability only. The premiums are based on no violations or claims, $1,000 deductibles, single female driver, and no discounts are applied.

Should you pay for full coverage or liability only?

There is no set guideline of when to drop physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

For example, let's assume your Mazda 5 book value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after you pay the deductible. If it's costing in excess of $600 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some scenarios where only buying liability is not in your best interest. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Get cheaper rates on Mazda 5 insurance in Atlanta with these car insurance discounts

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that you may not even know about. Some trigger automatically at quote time, but some must be asked for before you get the savings.Discount car insurance

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, companies wouldn't make money that way.

A list of companies and some of the premium reductions they offer are:

When quoting, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in Atlanta. To choose companies with the best Mazda 5 insurance discounts in Georgia, click here to view.

Protect your Mazda vehicle and other assets

Despite the potentially high cost of Mazda 5 insurance, paying for car insurance may be required for several reasons.

The benefits of carrying adequate insurance outweigh the cost, particularly if you ever have a claim. According to a recent study, the average American driver is wasting up to $850 per year so you should quote rates at least once a year to help ensure money is not being wasted.

Everyone needs different auto insurance coverages

When it comes to buying insurance from an agent or online for your vehicles, there isn't really a one size fits all plan. Every situation is different.Auto insurance savings

These are some specific questions can help discover whether or not you will benefit from professional help.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Independent versus exclusive insurance agencies

Many drivers would prefer to get advice from a local agent and that is a personal choice. The biggest benefit of price shopping on the web is that drivers can save money and get lower rates and still have a local agent. And buying from neighborhood agents is important especially in Atlanta.

For easy comparison, once you complete this short form, your coverage information is sent to local insurance agents that can give you free Atlanta auto insurance quotes for your auto insurance coverage. It's much easier because you don't need to contact an agency since rate quotes are delivered to the email address you provide. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote from a specific auto insurance provider, feel free to visit that company's website and complete a quote there.

Pick the best auto insurance agent in Atlanta for you

If you are searching for a reliable insurance agent, it helps to know the two types of agencies that you can select. Agencies in Atlanta can be classified as either exclusive or independent.

Independent Auto Insurance Agents

These agents do not have single company limitations and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move the coverage in-house and you don't have to switch agencies. When comparing rate quotes, you should always compare quotes from independent agents to get the best comparison.

The following are Atlanta independent agents that may be able to provide cheap rate quotes.

3405 Piedmont Rd NE #500 - Atlanta, GA 30305 - (912) 355-4549 - View Map

1100 Cir 75 Pkwy SE #140 - Atlanta, GA 30339 - (800) 634-2903 - View Map

530 Joseph E Lowery Blvd SW A - Atlanta, GA 30310 - (470) 771-3398 - View Map

More Atlanta agents

Exclusive Auto Insurance Agencies

Exclusive insurance agents normally can only provide a single company's rates like Farmers Insurance and State Farm. They generally cannot provide rate quotes from other companies so it's a take it or leave it situation. These agents are well trained on sales techniques which helps offset the inability to provide other markets.

Below is a list of exclusive agents in Atlanta willing to provide price quote information.

1176 Ralph David Abernathy Blvd SW - Atlanta, GA 30310 - (404) 752-7056 - View Map

587 Virginia Ave NE Unit 3A - Atlanta, GA 30306 - (404) 575-4147 - View Map

42 Forsyth St NW - Atlanta, GA 30303 - (404) 527-4883 - View Map

More Atlanta agents

Finding a good auto insurance agent should include more criteria than just a cheap price quote. Here are some questions you should ask.