2011 Mazda 3 Insurance Quotes

I can’t think of anyone who likes paying for insurance, particularly when the prices are way too high. People have multiple insurers to pick from, and even though it’s nice to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

How to buy car insurance

Finding a lower price on 2011 Mazda 3 insurance can be quick and easy. You just need to take a few minutes to compare rate quotes to find. It’s super easy and can be done in a couple of different ways.

The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This style of form saves time by eliminating boring form submissions to each individual car insurance company. One quote request gets coverage cost estimates from multiple low-cost companies.
A different way to shop for car insurance online is going to the website of each company to request a price quote. For example, let’s assume you want to compare rates from Progressive, Farmers and GMAC. To do that, you would have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.
For a list of companies in your area, click here.
The final way to compare price quotes is making phone calls or going to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance that only an agent can give. Drivers can comparison shop your insurance online but still have the advice of a local agent.

Whichever way you use, double check that you are using nearly identical coverage limits for every company. If you compare unequal deductibles or liability limits then you won’t be able to get a fair rate comparison.

Car Insurance Discounts

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known credits available to lower your premiums when you buy auto insurance online.

Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Paper-free Discount – Some of the larger companies provide a small discount just for signing your application on the internet.
Military Deployment Discount – Being deployed in the military may lower your car insurance rates slightly.
Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
Full Payment Discount – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.
Telematics Discount – Drivers who elect to allow data collection to analyze driving habits by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if they show good driving skills.
Professional Memberships – Being in a civic or occupational organization could qualify you for a break on your bill.

One last thing about discounts, many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, you’re out of luck. But any discount should definitely cut your overall premium however.

Companies and their possible discounts can be read below.

Geico includes discounts for anti-lock brakes, federal employee, seat belt use, anti-theft, good student, multi-vehicle, and emergency military deployment.
Auto-Owners Insurance may offer discounts for multi-policy, multiple vehicles, mature driver, anti-theft, student away at school, group or association, and air bags.
American Family offers premium reductions for early bird, good driver, accident-free, mySafetyValet, and Steer into Savings.
Esurance offers discounts including paid-in-full, renters, anti-theft, multi-car, good driver, and online quote.
Progressive policyholders can earn discounts including good student, multi-vehicle, online quote discount, continuous coverage, multi-policy, online signing, and homeowner.
State Farm may include discounts for driver’s education, accident-free, Drive Safe & Save, safe vehicle, and good driver.
AAA has discounts for anti-theft, AAA membership discount, multi-policy, education and occupation, and multi-car.

Double check with every company which discounts they offer. Some discounts might not be available to policyholders in your area.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight if you may require specific advice.

Am I covered if I break a side mirror?
How can I find cheaper teen driver insurance?
What should my uninsured motorist coverage limits be in my state?
Am I covered if I wreck a rental car?
What is covered by UM/UIM coverage?
Is my trailer covered?
Does my policy pay for OEM or aftermarket parts?
What exactly is covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane, a broken windshield and hitting a bird. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, structural damage and pain and suffering. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for pain medications, rehabilitation expenses, chiropractic care and surgery. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mazda 3.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.