What affects the price of car insurance?
Insurers base their prices on several risk factors, such as:
Your age and driving experience: Generally, the younger you are, the less experience you have on the road. This means that you're statistically more likely to be involved in road accidents. As a result, you'll see higher insurance costs than drivers with more experience.
Your car: Insurers categorise cars into insurance groups from 1-50. The higher the group, the more insurance will cost. This is because cars in higher groups tend to be more costly to repair or replace. Mazda models fall in groups 12-39. Modifications will also increase your insurance cost.
Where you live: Living in a built-up area with high vehicle crime rates will result in higher insurance costs compared to quiet, rural areas that have lower risk.
Your no-claims bonus (NCB): Each year you're insured without making a claim, you get a year added to your NCB. The larger your NCB, the bigger the discount you could get on your car insurance.
Check what car insurance group your Mazda is in
Car insurance group checker
The car
Insurance group
Group
9/50
How can I save on my Mazda car insurance?
-
Estimate your mileage accurately. The more miles you drive per year, the more you'll pay for car insurance. Accurately estimating your mileage will mean you're not paying for miles you don't drive. On average, our customers drive 6,621 miles per year3. A pay-as-you-go policy may be beneficial if you don't drive many miles.
-
Avoid auto-renewal and shop around. You don't have to accept the renewal price your insurer offers. Shopping around may mean you get a better deal. Comparing quotes is the easiest way to see if you're getting the best price for your cover.
-
Add a named driver with a good driving history. This can be useful for young drivers who face higher prices due to lack of experience. However, you should be truthful about who the main driver is. If you mislead your insurance company, this is known as 'fronting', which is illegal.
-
Increase your voluntary excess. The higher you set your excess, the less your insurance could cost. However, you should set it at a level you can afford. The most popular excess amount with our customers is £2503.
-
Pay annually rather than monthly and you could save 16% on your insurance3. This is because insurance companies add interest when you pay monthly, increasing your overall price.
-
Increase your car's security. Check that your car has an immobiliser installed. If it was manufactured after 1997, it should. Other ways to reduce the risk of your car being stolen are by using trackers, steering wheel locks and parking in a secure garage.
3Based on Confused.com data December 2022 - May 2023
What types of insurance can I get for my Mazda?
Third-party
Third-party, fire and theft
Comprehensive
Car insurance guides
Insurance premium tax explained
Insurance Premium Tax (IPT) is a tax on general insurance premiums, added to the cost of car insurance policies by insurers.
Driving theory test - Confused.com
You'll need to pass a driving theory test before booking your practical exam. We'll give you the lowdown on what to expect, how to book and tips for passing.
Driving at night - Confused.com
Tips for driving at night, from handling glare to staying alert. Learn how night driving impacts your car insurance and what cover you might need.
Has car insurance gone up?
Car insurance premiums have fallen annually for the first time in almost 3 years. New figures show a 7% decrease in prices compared to this time last year, on average.
Drink-driving: What you need to know
Find out how many drinks you can have and still be okay to drive. We also look at what your options are if you're unsure or over the drink-drive limit.
No frights, just cover this half-term
Temporary car insurance has got you covered this half-term and Halloween. No jump scares here!
Page last reviewed: 07/03/2024
Reviewed by: Louise Thomas
cookie usage