Nissan Auto Insurance vs Mazda Auto Insurance

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Things to Remember...
  • However, understanding that there are many other factors that dictate premiums is important before you start shopping for insurance
  • Nissan does provide a wide range of vehicles, some of which perform very well in crash tests and safety ratings
  • Mazda has ranked consistently high with J.D. Power and Associates, with the famous Miata scoring top marks
  • Outside of the type of vehicle, there are always other factors that will increase or decrease your premium. Insurance companies base prices on risk and likelihood of claims

The vehicle you drive is a major factor in determining auto insurance prices. However, understanding that there are many other factors that dictate premiums is important before you start shopping for insurance.

Whether you are looking to purchase a Nissan or Mazda, both companies have a wide selection of vehicle types, engine sizes, and customizable features.

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Because of the variety, each company has a huge range of premium costs associated with their vehicles.

Just because a certain car company has stellar safety ratings and the majority of their models yield low premiums does not mean your premium will be the same.

Nissan Auto Insurance

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Because auto insurance varies so much, you must take a long, hard look at the vehicle specifications before shopping around. Nissan does provide a wide range of vehicles, some of which perform very well in crash tests and safety ratings.

The Insurance Institute for Highway Safety provides a Top Safety Picks of 2012 list. Nissan has three vehicles that make the cut: the Cube, the Juke, and the Leaf.

The other Nissan models also received moderate to high ratings, but none scored as well as the previous three. Safety ratings and crash tests are vitally important to insurance companies because the tests indicate possible risk.

If your vehicle scores poorly on safety ratings, there is a higher likelihood of a total in an accident. In that case, the insurance company would need to replace the vehicle, which would be expensive.

Another factor to consider is consumer reviews. A vehicle that consistently ranks high in consumer reviews, for both performance and reliability, will probably receive lower insurance rates.

An insurance company does not want to cover a vehicle that will always be in the shop or may always have a dangerous issue to deal with.

J.D. Power and Associates provides a great consumer-based review system for every Nissan model and year.

By doing your research, you can be prepared for any shopping and haggling for prices, and you might save yourself the shock of a high premium in the end.

There is nothing worse than buying your new, savored vehicle and find out the insurance is going to cost a small fortune!

Nissan Model-Specific Factors

Outside of safety ratings and consumer reviews, each Nissan model will also need to be considered. Because insurance companies base premiums on risk, the model is very important.

On the average, a larger engine will always yield a higher premium. Most insurance companies view big engines as a potential for speed and a higher likelihood of accidents. Again, higher risk means higher insurance.

Some of the Nissan models with the largest engines are the sportier 370Z, GT-R, and the Murano. The first two are sports cars, which will automatically make insurance pricey.

If the vehicle has great maneuverability, is fast, and has a larger engine, every insurance company will view the vehicle as a high risk to insure. Even larger SUVs, like the Nissan Armada can get expensive to insure.

In addition, the market value of the vehicle will greatly influence insurance costs. If you own a vehicle with full features and a ton of special modifications, an insurance company will only see the price of the car.

Insurance providers fear the possibility of replacing a totaled vehicle that is also expensive. That will cost them a lot of money, so vehicles with high market value will always cost more to insure.

Some of the more expensive Nissan models on the market are the sports cars like the Z series, the GT-R, and surprisingly the electric Leaf. Some of the cheaper models include the Cube, Juke, Frontier, and Versa.

Just remember if it cost a lot of money to buy, it will always cost more to insure. Be careful; some of the older Nissan models that have been discontinued will be costly to insure.

If replacement parts are hard to come by for older models, insurance companies will hike up premiums to cover those extra costs for repair. Do your research on potential models even if it is an older car.

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Purchasing Methods and Other Considerations

Another consideration is the purchasing method of your Nissan. If you can afford to purchase the vehicle outright, it could save you money on car insurance. Financing a vehicle is a typical option, especially in today’s economy.

Loan companies will always want the maximum coverage on a financed vehicle. That means you will be paying for coverage like comprehensive and collision, which will drastically increase your premium.

Finally, things like anti-theft features and other safety features will also decrease premium prices.

Insurance providers see car alarms and stability control systems as risk deterrents, so if you can afford those features, get them. They can even provide you with a few discounts along the way.

Mazda Auto Insurance

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Mazda is similar to Nissan in that they offer a wide variety of models and vehicle types. The best place to start comparison-shopping between the two makes is safety ratings and crash tests.

According to the Insurance Institute for Highway Safety, the Mazda 3 Hatchback and Sedan, and the CX-5 all received Top Safety Pick honors for 2012. Most of the other Mazda models rated moderate to poor in safety tests.

As far as safety and crash test ratings go, Mazda definitely rates lower than Nissan, which means Mazda vehicles, on the average will likely yield higher insurance rates. Of course, that depends on the specific Mazda model.

On the other hand, Mazda has ranked consistently high with J.D. Power and Associates, with the famous Miata scoring top marks.

Because of the consistent consumer reviews, Mazda beats out Nissan. As you can see, both makes offer a variety of benefits.

Mazda Model-Specific Factors

Similar to Nissan, Mazda also offer vehicles from sports cars to SUVs. Engine size should be the first consideration. Some of the larger Mazda models are the Mazda 6 and the CX-9.

Each will yield a bit higher insurance premium than a vehicle of similar make and a smaller engine.

On the plus side, most of the Mazda models have L-4 engines, which are smaller. Even some of the more popular convertibles feature a smaller engine, despite superior mobility and control.

Despite the smaller engines, most Mazda sports cars will still garner high insurance costs simply because of their size. As you can see, even engine size sometimes has its exceptions.

Vehicle market value, again, plays a role in premiums. Considering the range of vehicles and the fact that Mazda offers a smattering of sportier vehicles, the price ranges vary greatly.

Many Mazda models also come with many available add-on and customizable features. Consider the base cost of the vehicle before you make a purchase.

Some of the more expensive Mazda models are the CX-9, which is an SUV, and the RX-8, which is classified as a sports car.

Surprisingly, the popular Miata is relatively inexpensive, as are most of the passenger-style vehicles in the Mazda lineup. When prices are concerned, Mazda definitely is the better choice over Nissan.

Both vehicle makes are also foreign so replacement parts could be a concern. With that in mind, make sure you do some research on repair shops around your location that can specialize in Nissan or Mazda vehicles.

You can also consider insurance rates to increase for models that will have rarer parts and features.

Other Factors to Consider

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Outside of the type of vehicle, there are always other factors that will increase or decrease your premium. For starters, almost every insurance provider will base rates on where you live.

If you happen to live in a city with a high crime rate and high auto theft rate, you will pay more for insurance. It does not seem fair, but again, insurance companies base prices on risk and likelihood of claims.

Most of the major metropolises like New York, Los Angeles, and Detroit all usually have high insurance rates. To check out where your state ranks, contact your local state Department of Insurance.

Finally, factors like your driving history and credit score all impact insurance rates. If an insurance provider sees a bunch of tickets and accidents over the past few years, you are officially risky to insure.

That means drastically increased rates. The best way to keep your record under control is to drive safely and responsibly.

If you happen to already have a poor record, taking a defensive driving course could also help reduce your rate.

Shockingly, your credit score also is a huge factor in premium prices. Insurance companies have found a connection between customers who file tons of claims and customers who have poor credit scores. Even a lack of responsibility in paying your bills can increase insurance costs.

For further information on what dictates insurance rates, regardless of the vehicle you drive, check out the Insurance Information Institute. They can provide quality information regarding the other common factors that will affect your premium.

Nissan and Mazda are both great vehicle companies that provide a huge selection of models. Comparing the two companies according to insurance is like comparing apples to oranges.

There are simply too many factors that make auto insurance unique for every driver and every vehicle. Instead, do your own research and start quote hunting.

Comparison-shopping is the easiest and fastest way to save money on car insurance.

Start your quote comparison now by entering your ZIP code into the FREE quote tool located below!

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