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Mazda Insurance

As one of the most reliable car brands in Canada, you can’t go wrong with a Mazda. Mazda is known for producing some of the most popular cars around the world, like the Mazda 3, Mazda CX-5, and Mazda CX-3. When shopping for a new or used Mazda, you will need to purchase car insurance. This article will explore the best types of insurance coverage for Mazda cars in Canada.

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Mazda brand information

Mazda Motor Corporation, better known as Mazda, is a Japanese automobile brand. According to Mazda's website, the company started out as a cork manufacturer in 1920 before introducing their first vehicle, the “Mazda-go” tricycle truck in 1931. Since then, the company has expanded exponentially, with manufacturers located in Japan, Mexico, and the United States.

Mazda auto insurance: mandatory coverage

Wondering what type of insurance coverage your Mazda needs? It ultimately depends on where you live in Canada, along with your personal preferences. Each Canadian province and territory has its own mandatory coverage requirements, which means your policy must contain certain types and amounts of auto insurance coverage to be valid. Using Ontario as an example, the following is a list of the four types of compulsory auto insurance coverage that you must have before you can drive your Mazda:

Third party liability coverage

Liability insurance, also known as third party liability coverage, is required for all Mazda drivers. This type of coverage protects you if you get into an accident that you caused. Specifically, it can cover costs like legal fees, medical expenses, vehicle repair bills, and more. Depending on the province, you will likely be required to purchase a certain amount of third party liability coverage, such as $200,000 in Ontario and $500,000 in Nova Scotia.

Accident benefits coverage

Accident benefits coverage is another type of compulsory coverage for Mazda drivers in Ontario. This coverage protects drivers against the reality of bodily injury following a collision. For example, if you were involved in an accident and you or someone else required medical attention due to the accident, you would be covered under this portion of your Mazda car insurance policy. Typically, accident benefits cover expenses not covered by health insurance, which may include rehabilitation, prescription medication, and more.

Direct compensation - property damage coverage

Direct compensation - property damage coverage can help pay for damage to your vehicle following a collision. For instance, if another driver accidentally rear ended you at an intersection, your insurance provider might reimburse you for the cost of repairs under this section of your auto insurance plan.

Uninsured automobile coverage

Uninsured automobile coverage is another type of car insurance that is legally required. It will cover you if you get into a car accident with someone who is uninsured or underinsured. It can also protect policyholders against hit and runs, if they find themselves in a collision with an unidentified driver who flees the scene.

Mazda auto insurance: optional coverage

Mazda drivers have more than the four coverage types above to choose from. They also have several types of optional coverage. Optional coverage, such as the types mentioned below, can provide greater peace of mind to drivers. From collision coverage to comprehensive coverage, keep reading to learn more about three popular types of coverage that you may wish to add to your Mazda car insurance policy:

Collision coverage

Collision car coverage comes into play if you get into an accident with another car or grounded object while driving. If you add this optional coverage to your Mazda car insurance plan, you can claim it whether you were at fault for the accident or not. Please note that if you have a lease contract for your car, you might be required to purchase collision coverage in accordance with that. You can learn more about car leasing in Canada by contacting BrokerLink.

Comprehensive coverage

Comprehensive car coverage is another type of optional coverage that many Mazda drivers choose to add to their policies. Why? Due to the broader range of protection it offers. With comprehensive coverage, you can be protected if your car is damaged while parked. The only catch is that the damage must have been caused by a named peril in your policy. Named perils may include fire, theft, falling objects, vandalism, etc. As with collision coverage, if you lease or finance your car in Canada, comprehensive coverage may be required rather than optional for you.

Accident forgiveness coverage

One final type of optional auto insurance coverage popular among Mazda drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage and eligibility varies by province.

Mazda car insurance cost breakdown

Many factors impact how much you will pay to insure your Mazda. The make of the vehicle you buy is just one of them. A car insurance company will consider how reliable and durable Mazda automobiles generally are, as how long cars last in Canada will affect your rates. Beyond that, they will also consider the safety rating of the car you drive, as well as the rate of theft, trim level, and safety features of the specific model you choose. Moving on from car-related factors that determine premiums, an insurance provider will look at additional factors too, like your age, location, driving record, and more. The BrokerLink team has put together a list of some of these key factors below:

  • Where you live (and where you regularly commute)
  • Age
  • Model, make, and year of vehicle
  • Past claims
  • Average mileage
  • Driving experience
  • Driving record
  • Insurance history
  • Deductible amount
  • Regulatory bodies
  • How you use your vehicle
  • Gender

To learn more about how much Mazda car insurance costs, get in touch with BrokerLink today. A BrokerLink insurance advisor can provide you with a free quote so that you can have an accurate idea of what you can expect to pay for auto insurance.

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How can I lower my Mazda insurance rates?

Mazda vehicles are considered to be affordable, and therefore, the cost of Mazda car insurance shouldn’t be too high. That said, there are always going to be ways to reduce car insurance costs, and why wouldn’t customers take advantage of them? From seeking help from a licenced insurance broker to bundling multiple policies together, check out this list of tips for saving money on Mazda auto insurance:

Reach out to a BrokerLink insurance broker

Want to minimize how much you spend on Mazda car insurance? One of the best ways to do so is by reaching out to a BrokerLink insurance broker. All BrokerLink insurance brokers are licenced and have car insurance expertise that can help you find a competitive rate for your policy. From the moment you contact us, you will be assigned a dedicated broker who will take it upon themselves to shop around and compare rates for you. This way, you can rest easy knowing you’re getting a high-quality yet affordable car insurance policy for your Mazda.

Complete an approved driver’s education program in your province

All Canadian provinces offer driver’s education programs. Find one that’s officially recognized by your province and you could save big on car insurance. Many insurers offer automatic discounts to drivers who can show proof that they completed a professional driving course.

Install a telematics device in your vehicle

Being a safe driver pays. If you want to reduce how much money you spend on Mazda car insurance, adopt safe driving habits and then ask your insurance broker about telematics discounts. Telematics discounts involve installing a telematics device in your car, or downloading an application on your mobile phone, that monitors your driving habits. The safer you drive, the lower your car insurance rate will be. Please note that telematics applications and devices only monitor certain aspects of your driving, including accelerating, braking, cornering, and more. To find out more about telematics programs or for expert-approved safe driving tips, get in touch with BrokerLink.

Drive less

If you’re interested in saving money on Mazda car insurance, you may want to consider driving less. Qualifying for an occasional driver discount can result in serious savings. So if you’re someone who already enjoys taking alternative modes of transportation, like public transit, walking, or cycling, and you only drive a couple of days each week, be sure to inquire with your insurance broker about discounts based on your low annual mileage. If you are near the threshold to qualify for this type of discount, a BrokerLink insurance advisor can recommend ways to reduce your mileage and keep it down.

Bundle insurance products

Bundling insurance policies can also result in a cheaper Mazda car insurance plan. How? Insurance companies love when customers buy more than one policy from them at the same time. If you need two or more insurance policies, ask about bundles. Many insurers offer bundles at a much less expensive rate than if you were to buy one individual insurance policy. Plus, you might be able to mix and match policies, giving you the option of insuring two cars at the same time, or your car and your house.

Choose a safe and reliable car

As you now know, the type of car you drive is a major factor in how much you pay for car insurance. The safer and more reliable your car is, the lower your rates will be. If you drive a Mazda, then you’re already on the right track. Cars with high safety and reliability ratings coupled with low rates of theft tend to translate to lower premiums. Conversely, luxury vehicles with low safety ratings or high rates of theft often result in more expensive premiums.

Buy a hybrid or electric Mazda

Now that many insurance companies offer discounts to drivers of hybrid and electric cars, choosing an eco-friendly Mazda model might be the way to go. Beyond the many benefits of EVs, including the gas savings, you could also qualify for an auto insurance discount. The Mazda MX-30 EV is a prime example of an electric vehicle that Mazda offers which could garner you a cheaper car insurance rate.

Insure your Mazda today by contacting BrokerLink

Are you ready to protect your Mazda? Whether you drive a Mazda CX-3, a Mazda 6, or something in between, BrokerLink can help you find a policy that safeguards your precious vehicle from risk. We will ensure your policy contains all mandatory coverage and will recommend additional coverage to suit your needs. On top of this, affordable insurance is a main priority here at BrokerLink, which means we will always shop around to find you the best coverage at the lowest possible rate for your Mazda.

If you want to get started now, you can contact BrokerLink by phone, email, or in person. You can even request a free car insurance quote using the online quote tool on our website. With this tool, you can receive an accurate and competitive car insurance quote in as little as five minutes - all from the comfort of your home.

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Mazda car insurance FAQs

If I install snow tires on my Mazda, will I qualify for a discount?

Depending on the province you live in, installing winter tires on your Mazda can result in a discount. For example, if you live in Ontario, then insurance companies are required to offer you a winter tire discount, so long as you meet their conditions. Conditions that need to be met often vary between insurance providers but may include all four tires being the same model and having the tires installed by a certain date each season.

How do Mazda car insurance deductibles work?

Insurance deductibles on any policy, whether you’re purchasing a Mazda car insurance plan or a home insurance plan, work like this: You select a deductible for each type of coverage. If you suffer a loss and need to file a claim with your insurance company, and that claim is approved, you will need to pay the deductible amount first. After you’ve paid your deductible, the insurance company will cover the remaining costs, up to the policy limit.

So for example, if your car is damaged in an accident and the repair bill is $4,000, and your deductible is $500, you will need to pay $500 after submitting your claim before your insurance company steps in to pay the remaining $3,500. Be sure to choose your deductibles wisely, as lower deductibles typically come with higher premiums, whereas higher deductibles come with lower premiums. In other words, if you want to pay less for Mazda car insurance, we recommend choosing high policy deductibles.

I got into an at-fault collision. Will my Mazda car insurance premium be impacted?

It depends. If this is your first at-fault accident and your Mazda car insurance plan features accident forgiveness coverage, your insurance premium will not be impacted. However, if you do not have accident forgiveness coverage as part of your policy or this is a subsequent at-fault accident, then yes, your insurance premium will likely go up as a result of the collision.

Will my Mazda car insurance coverage protect me if items are stolen from my car?

It is unlikely that your Mazda car insurance plan will cover you if personal belongings, like your wallet or phone, are stolen out of your vehicle. Comprehensive car insurance can protect you if your entire car is stolen or if permanent fixtures of your car, like the brakes or steering wheel, are stolen. But it will not cover you for the theft of personal belongings. If your car was parked at your home at the time of the burglary, your home insurance policy might cover you but you’d have to review the terms and conditions of it to be sure.

When do I need to buy car insurance for my Mazda?

You should purchase car insurance for your Mazda before you drive out of the lot with it. Car insurance is mandatory everywhere in Canada, which makes driving without it illegal. Avoid the serious consequences that come with uninsured driving by purchasing a policy immediately. If you already have an existing car insurance plan, talk to your provider about transferring it to your new car. Alternatively, if you want to purchase a new plan for your Mazda vehicle, make sure the start date of your new policy begins on the day your past policy expires to avoid a lapse in coverage.

How can I save money on Mazda auto insurance?

You can save money on Mazda auto insurance in many ways. Some of the most common include bundling insurance policies, choosing a hybrid or electric model, like the MX-30 EV, obeying the rules of the road and maintaining a clean driving record, selecting the highest possible policy deductibles you can afford, installing a telematics or anti-theft device in your car, or swapping out summer tires for winter tires.

Do I need a valid driver’s licence to buy an auto insurance policy for my Mazda?

Yes, you will need to hold a valid driver’s licence in the province you reside in if you want to purchase car insurance for your Mazda. Similarly, you will need to provide a copy of your driver’s licence in order to register your vehicle with your province’s transportation department, which is also required if you want to drive in Canada.

Does my Mazda car insurance policy cover me if I drive it in another province?

Yes, so long as you are only visiting that province temporarily. If you plan to move to a different province, you will need to update your address - and likely your coverage - with your insurance provider. Why? Different provinces have different minimum coverage requirements, which means your existing policy no longer meets the requirements in your new province. Plus, not all insurance providers offer policies Canada-wide, which means your current insurance company may not even operate in the province you’re moving to. Contact your insurance agent to learn more about coverage when driving in or moving to another province in Canada.

Can I drive my Mazda without car insurance?

No. Doing so would be illegal, no matter where you live in Canada. To drive your Mazda in the country, you need to purchase a valid car insurance plan that contains certain types of coverage. If you fail to purchase a policy or your policy does not meet the requirements in your province, you could be fined tens of thousands of dollars, have your driver’s licence suspended, have your vehicle impounded, and even face jail time.

How do I get a free Mazda car insurance quote?

Getting a free Mazda car insurance quote couldn’t be easier. Contact an insurance broker or insurance agent in the city you live in and ask them for a complimentary estimate. Many insurance companies and brokerages offer free quotes to customers online, over the phone, and in person.

If you have any questions, contact one of our local branches.


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