Compare the best Mazda car insurance quotes for free.

The old rule of thumb is that the cheapest Mazda to insure is a used model as opposed to a new one. Pre-owned Mazda models that are five years or older generally don’t require extra insurance coverage.

Meanwhile, leased new Mazdas usually require both comprehensive and collision insurance. Collision insurance is recommended for new vehicles as well, but there’s a plus side to it. Aside from the deductible or possibly the cost of a rental car, there’s generally no out-of-pocket payment for the policyholder.

Mazda used car insurance can cost less than what it costs to insure a new model. Mazda dealerships offer ‘certified pre-owned models with a minimum of one year of warranty coverage for those seeking a pre-owned vehicle. Buyers can also purchase used Mazdas from other auto dealerships or from private sellers. An online comparison tool like LowestRates.ca can be used to compare cheap Mazda car insurance for new and pre-owned models to help you understand the true cost of insuring your vehicle.

There isn’t one car insurance company that specializes in insuring Mazda cars, so you need to review rates from multiple companies to find the insurer that can offer you the cheapest policy. That’s where a tool to compare Mazda insurance rates like LowestRates.ca comes in.

However, as a driver, you are required by law to carry two types of insurance everywhere in Canada:

• Third-party liability insurance: and it covers the costs of damaging someone else’s property or causing them injury or death.
• Accident benefits insurance: This covers a variety of expenses if you are in an accident, such as medical treatment, rehabilitation costs, attendant care, and even income replacement.

Finally, there are also a variety of other types of insurance coverages for Mazdas available, some of which are optional in certain provinces:

• Collision: If you want to be covered for any kind of damage to your car resulting from a collision with another vehicle or with an object, you’ll want this kind of insurance, which is optional everywhere except Saskatchewan and Manitoba.
• Comprehensive: As its name suggests, this kind of coverage will protect you in the event of damage that occurs from other kinds of incidents, such as theft, vandalism, natural disasters, falling objects, or even things like riots or civil disobedience. It is optional everywhere in Canada except in Saskatchewan and Manitoba. In Manitoba and Saskatchewan, all perils auto insurance coverage is required, which incorporates comprehensive insurance coverage.
• Direct compensation for property damage: This coverage will pay you for damage to your vehicle if you’re in an accident where the other party is found to be at fault. Note that it will only pay for that percentage of the cost of repair or replacement that equals the proportion of responsibility assigned to the other driver—and it’s only valid in your home province. It is mandatory in Ontario, Quebec, New Brunswick, Nova Scotia, and Prince Edward Island.
• Uninsured auto: If you’re in an accident with someone who has no insurance, or who flees the scene before you can identify them, this coverage will protect you—provided the other driver was at fault. It is mandatory in B.C., Newfoundland, and Labrador, New Brunswick.

More important than what you drive is how you drive. A recent history of at-fault accidents will bump your premiums up a fair amount, along with driving infractions such as speeding or running a red light. Age and experience are also factors. If you’re under 25 or haven’t had a license for a long time, expect to pay higher rates, since insurers view inexperienced drivers as representing an elevated risk.

Even though it’s an affordable car brand insurance-wise (especially with older models), it’s important for young Mazda drivers to plan for hefty insurance premiums.

Finally, there is a range of other attributes that insurance companies look at when calculating your rates. The age of your car matters, for example, since older cars are cheaper to replace than newer ones. Where you live also makes a difference because drivers who live in an urban area are more likely to get into an accident or have their car broken into or stolen. And your premiums will also be lower if you opt for a higher deductible or install an anti-theft system in your car.

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs, collectively. Get a quote for Mazda car insurance on LowestRates.ca and start saving today.