Mazda Insurance

It won’t be much of a surprise to learn that fully comprehensive Mazda car insurance will give you the most comprehensive level of coverage for your car.  

For that reason, this is the most popular coverage level for many drivers, even if it does occasionally cost a little more.  

In the past drivers could save quite a bit on their Mazda insurance by opting for a third-party-only insurance policy. It offers a lot less coverage, which often results in cheaper premiums. 

That’s not always the case anymore though. This type of policy was often chosen by young, higher-risk drivers. Meaning third-party-only insurance policies then had a higher risk of an insurance claim. 

In many cases, comprehensive insurance is now just as cheap, or maybe just a few pounds more, than third-party only. So it would be a good idea to compare both. 

This is the middle tier of protection. Third party, theft and fire insurance covers other road users while also paying out if your own car is ever stolen or damaged by fire.  

Mazda drive away insurance isn’t an annual policy. This type of policy is a form of temporary insurance that’s designed to insure you while you drive your new Mazda home from the dealership.  

The higher your mileage, the higher your risk of an insurance claim. That’s why it’s important to give an accurate mileage estimate to the insurer – and to try to reduce the number of miles you drive if possible.  

Many Mazdas now come with car alarms and engine immobilisers preinstalled. But there are still one or two security upgrades you could consider. 

For example, a vehicle tracker could reduce your premium by making it more likely your car will be recovered by the police if it’s stolen.  A few insurers may also offer a lower premium if you have a dashcam fitted, although that isn’t a universal rule so it’s worth double-checking.  

Modified cars have a higher risk of insurance claims. This means you’ll usually pay more for your Mazda insurance if the vehicle has any modifications.  

Monthly payments might be more convenient, but they’re also more expensive in the long run. When you pay annually you avoid the interest that is included when paying your insurance premium monthly.  

It’s important to get the balance right here because you don’t want an excess that is so high you can’t afford the cost if you have to claim. But if you are able to agree to a slightly higher excess it could result in slightly lower premiums.  

There’s nothing wrong with adding optional extras to your Mazda car insurance if you’re sure they’re worth it. But if you are keen to reduce your quotes as much as possible then it’s worth cutting any unnecessary addons from your policy. For instance, if you’re looking for Mazda Bongo insurance you could opt for temporary van insurance if you only use it occasionally.  

Comparing Mazda insurance quotes from a wide range of insurance companies is probably the single most effective way to find cheaper quotes, so it really does pay to shop around.  

The MX5 ranges from insurance group 25 for versions with a 1.5 litre engine, to group 32 for versions with a 2.0 litre engine. MX models typically need 4×4 policies. 

The Mazda 2 is Mazda’s smallest car with the smallest engine size, which is why this model ranges between insurance groups 13 and 15.  

Some of the hatchback versions of the Mazda 3 fall as low as car insurance group 15, making them relatively cheap to insure. While Mazda 3s with bigger engines jump to insurance group 24. 

The Mazda RX-8 ranges from group 27 to group 31.