Having to pay for expensive Mazda CX-5 insurance in New Orleans can drain your personal savings and require stricter spending habits. Comparing cost estimates is a fast and free way to make ends meet.
Anyone knows that car insurance companies don’t want you to look for a cheaper policy. Consumers who shop around for better prices are very likely to move their business because there is a significant possibility of finding a more affordable policy. Surprisingly, a recent survey revealed that people who faithfully checked for cheaper rates saved about $865 a year compared to drivers who never shopped around.
If finding the cheapest rates on car insurance in New Orleans is your ultimate goal, then learning about how to get rate quotes and compare car insurance can make it easier to find better rates.
How to find affordable Mazda CX-5 insurance in New Orleans
To save the most money, the best way to find lower priced Mazda CX-5 insurance is to start comparing rates regularly from insurers who sell auto insurance in New Orleans.
- Step 1: It will benefit you to learn about how insurance companies determine prices and the things you can control to keep rates low. Many things that result in higher rates like at-fault accidents and a less-than-favorable credit history can be eliminated by making minor changes in your lifestyle. Read the full article for additional ideas to get better rates and get bigger discounts.
- Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies.
- Step 3: Compare the price quotes to your current policy premium and determine if there is any savings. If you can save money and make a switch, make sure coverage does not lapse between policies.
- Step 4: Notify your company or agent of your decision to cancel your current car insurance policy. Submit a completed application and payment for the new coverage. When you receive it, put the new certificate of insurance in an easily accessible location.
One key aspect when comparing rates is to use similar deductibles and liability limits on every quote request and and to get rate quotes from as many companies as possible. This ensures a fair price comparison and the best price quote selection.
Popular companies such as GEICO, 21st Century and Progressive persitently shower you with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.
If you currently have car insurance, you should be able to shop for the lowest rates using the concepts you’re about to learn. Buying the cheapest car insurance in New Orleans is not that difficult. But Louisiana car owners do need to know how big insurance companies market insurance on the web and use it to your advantage.
Finding Mazda CX-5 insurance in New Orleans, LA
To get cheaper New Orleans auto insurance quotes, there a variety of ways to compare quotes from different New Orleans insurance companies. By far the easiest way to lower the rate you pay for Mazda CX-5 insurance consists of obtaining rate quotes online.
Doing price comparisons online is so simple that it makes it obsolete to drive around to and from local New Orleans insurance agencies. Comparing Mazda CX-5 insurance rates online reduces the need to sit down with an agent unless you require the professional advice that can only be provided by a licensed insurance agent. It is possible to obtain prices from the web but have a local agent actually write the policy.
Keep in mind that having more price comparisons increases your odds of finding the best price.
The companies shown below provide price comparisons in Louisiana. In order to find cheap auto insurance in New Orleans, LA, we recommend you click on several of them to get the most affordable price.
Insurance quotes and discounts
Not many people think insurance is cheap, but there may be some discounts that you may not even be aware of. Certain credits will be shown when you complete an application, but some may not be applied and must be asked about prior to receiving the credit.
- Accident Waiver – Not really a discount, but companies like GEICO and Liberty Mutual allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
- Discounts for Responsible Drivers – Safe drivers could pay up to 40% less than less cautious drivers.
- Discount for Swiching Early – Some companies reward drivers for switching companies before your current coverage expires. It can save you around 10%.
- Fewer Miles Equal More Savings – Driving fewer miles can qualify you for cheaper premium rates.
- Paperless Signup – Some of the larger companies will give you a small discount for completing your application online.
- Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can receive discounts of 20 to 30 percent.
Just know that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help lower your overall premium however.
A few of the larger companies and some of the discounts are shown below.
- Farmers Insurance offers discounts including electronic funds transfer, business and professional, alternative fuel, pay in full, switch companies, early shopping, and youthful driver.
- Esurance may have discounts that include online shopper, paid-in-full, anti-lock brakes, defensive driver, and DriveSense.
- State Farm may offer discounts for Steer Clear safe driver discount, good student, student away at school, defensive driving training, multiple policy, and passive restraint.
- GEICO policyholders can earn discounts including daytime running lights, defensive driver, multi-policy, membership and employees, and anti-theft.
- Allstate includes discounts for teenSMART discount, early signing, 55 and retired, EZ pay plan discount, and utility vehicle.
If you need lower rates, check with each company or agent the best way to save money. Some discounts might not be offered everywhere. For a list of insurance companies that offer multiple discounts in New Orleans, click here.
Lower Your New Orleans Insurance Premiums
Part of the auto insurance buying process is learning some of the elements that play a part in calculating your policy premiums. When you know what positively or negatively determines base rates, this enables you to make decisions that could help you find lower premium levels. Many different elements are part of the equation when pricing auto insurance. Some are obvious such as your driving record, although some other factors are not quite as obvious like your vehicle usage or how safe your car is.
Males pay more for insurance coverage – Over time, data shows that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Both sexes get in accidents at about the same rate, but the male of the species cause more damage. Not only that, but men also get higher numbers of serious violations such as DWI and reckless driving.
Drivers with high credit save on auto insurance – A driver’s credit score can be a huge factor in determining what you pay. Insureds that have very good credit scores tend to be less risk to insure as compared to drivers with lower credit scores. If your credit can be improved, you could be paying less to insure your Mazda CX-5 by taking the time to improve your credit score.
Occupation can influence rates – Did you know your job can affect your rates? Careers like doctors, executives, and stock brokers tend to have the highest rates because of high stress levels and long work hours. On the other hand, professions such as farmers, engineers and the unemployed pay the least.
Never let your auto insurance expire – Allowing your coverage to lapse is a fast way to drive up your policy premiums. And not only will your rates increase, the inability to provide proof of insurance can result in a steep fine or even jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Louisiana DMV.
Insurance is expensive for younger drivers – Beginning drivers in Louisiana are statistically shown to be easily distracted when driving with friends therefore auto insurance rates are much higher. Older insureds are shown to be more cautious, cause fewer claims and accidents, and tend to be get fewer driving tickets.
You might have higher prices if you are single – Having a significant other actually saves money on your policy. Marriage means you’re more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
Alarms and GPS tracking lower auto insurance rates – Choosing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.
Insurance loss probability for a Mazda CX-5 – Insurance companies take into consideration insurance loss statistics for every vehicle when they file their rates in each state. Models that the data determines to have high amounts or severity of claims will have higher rates for specific coverages.
The table below outlines the compiled insurance loss statistics for Mazda CX-5 vehicles. For each policy coverage type, the claim amount for all vehicles, as an average, equals 100. Values that are 100 or less indicate a favorable loss history, while numbers that are greater than 100 indicate more frequent claims or tendency to have larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Mazda CX-5 4dr 2WD | 66 | 88 | 85 | 79 | 83 | 76 |
| Mazda CX-5 4dr 4WD | 71 | 83 | 102 | 79 | 74 | 72 |
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance is available from local insurance agents
A lot of people would rather sit down with an agent and that can be a great decision An additional benefit of comparing car insurance online is the fact that drivers can get cheap car insurance quotes and still buy from a local agent.
Once you complete this simple form, your coverage information is immediately sent to companies in New Orleans that give free quotes for your business. You won’t even need to find an agent on your own since price quotes are sent to your email. You can most likely find cheaper rates AND a local agent. If you want to get a price quote from a particular provider, feel free to navigate to their website and submit a quote form there.
Selecting an insurer requires you to look at more than just the premium amount. A good agent in New Orleans will have answers to these questions.
- Which members of your family are coverage by the policy?
- Are they full-time agents?
- Do the coverages you’re quoting properly cover your vehicle?
- Will the quote change when the policy is issued?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they specialize in personal lines coverage in New Orleans?
- Which companies can they place coverage with?
If you would like to find a reliable insurance agent, it’s important to understand the types of agencies and how they function. Car insurance agents in New Orleans are either exclusive or independent agents depending on their company appointments.
Exclusive Agencies
Exclusive agencies write business for a single company such as Farmers Insurance or State Farm. These agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. They receive a lot of sales training on their company’s products which helps them compete with independent agents.
Listed below are exclusive insurance agents in New Orleans that are able to give price quote information.
Manny Hidalgo – State Farm Insurance Agent
3837 MacArthur Blvd – New Orleans, LA 70114 – (504) 362-1919 – View Map
State Farm – Mia DeLouise
5638 Jefferson Hwy – New Orleans, LA 70123 – (504) 739-7979 – View Map
Ed Buckley – State Farm Insurance Agent
4822 Prytania St – New Orleans, LA 70115 – (504) 891-2886 – View Map
Independent Agents
Independent insurance agents are appointed with more than one company so they can insure your vehicles with multiple insurance companies and find you cheaper rates. If they find a cheaper price, the agent simply finds a different carrier and you don’t have to switch agencies. When comparison shopping, you will want to contact several independent agencies in order to compare the most rates.
The following are New Orleans independent insurance agents who can help you get price quotes.
Dan Burghardt Insurance Agency
5741 Crowder Blvd – New Orleans, LA 70127 – (504) 241-7283 – View Map
Murphy Insurance LLC
2107 Soniat St – New Orleans, LA 70115 – (504) 899-8010 – View Map
Underwriters Insurance Agency
10709 Chef Menteur Hwy #1 – New Orleans, LA 70127 – (504) 302-0620 – View Map
Insurance can be complex
When it comes to coverage, there is no best way to insure your cars. Everyone’s situation is unique.
For instance, these questions may help highlight whether or not you would benefit from professional advice.
- Do I pay less for low miles?
- What is high-risk coverage and where do I buy it?
- Can I insure my car for more than it’s worth?
- Is my Mazda CX-5 covered for flood damage?
- Does my insurance cover a custom paint job?
- What vehicles should carry emergency assistance coverage?
- Am I missing any policy discounts?
- Can my babysitter drive my car?
- Will filing a claim cost me more?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Final considerations
We covered a lot of information how to save on Mazda CX-5 insurance in New Orleans. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable New Orleans auto insurance quotes. Consumers could even find that the best price on car insurance is with a small local company.
When searching for low cost New Orleans auto insurance quotes, you should never skimp on critical coverages to save a buck or two. In many cases, an insured cut full coverage only to find out that the small savings ended up costing them much more. The goal is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
Discount Mazda CX-5 insurance in New Orleans can be found online in addition to many New Orleans insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer rates over the internet and many times these regional carriers provide coverage only through independent agents.
How to buy cheaper Mazda CX-5 insurance in New Orleans
If saving the most money is your goal, then the best way to get affordable car insurance rates in New Orleans is to regularly compare price quotes from insurers who provide car insurance in Louisiana. Rates can be compared by following these steps.
- Step 1: Read and learn about individual coverages and the things you can control to prevent expensive coverage. Many risk factors that cause high rates such as traffic citations and a bad credit rating can be controlled by paying attention to minor details.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of insurance providers. View prices
- Step 3: Compare the price quotes to your current policy premium and see if you can save money. If you can save some money and decide to switch, make sure there is no lapse in coverage.
- Step 4: Give proper notification to your current agent or company of your intention to cancel the current policy. Submit the application along with any required down payment to the new insurer. As soon as coverage is bound, put the new proof of insurance paperwork in an easily accessible location.
One bit of advice is to make sure you enter the same coverage limits and deductibles on every quote and and to get price estimates from as many different companies as possible. This provides a fair price comparison and many rates to choose from.
Helpful information
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Auto Insurance Rates for a Subaru Outback in New Orleans? (FAQ)
- How Much is Auto Insurance for Infrequent Drivers in New Orleans? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for 17 Year Olds in New Orleans? (FAQ)
- How Much are Auto Insurance Rates for Drivers Under 21 in New Orleans? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- Distracted Driving (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)
- Teen Driver Licensing Information (iihs.org)