Cheaper 2017 Mazda 3 Car Insurance Rates

Searching for the cheapest insurance rates for your Mazda 3? Paying cheaper rates for insurance can seem to be slightly frustrating for drivers who are beginners to online insurance quotes. Consumers have so many options that it can quickly become a lot of work to find more affordable rates.

You should make it a habit to price shop coverage before your next renewal because prices change regularly. If you had the best price for 3 insurance on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because you’re going to get a crash course in the things you must know in order to save on insurance.

Compare car insurance quotes

There are several ways to compare car insurance quotes, but one way is less time-consuming than others. You can waste hours talking to insurance agencies in your area, or you can utilize online quoting to achieve your goal.

Most of the best insurance companies enroll in a system where insurance shoppers enter their policy data once, and each participating company returns a competitive quote. This saves time by eliminating form submissions to every company. To find out how much you can save on car insurance click here to start a free quote.

One minor caviat to pricing coverage this way is you cannot specify the providers to get pricing from. So if you want to select specific insurance companies to compare prices, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure to compare equivalent coverage limits on every price quote you get. If you compare different values for each quote it’s impossible to truly determine the lowest rate. Just a small difference in coverages may result in a large different in cost. Just keep in mind that comparing more rates from different companies provides better odds of finding better pricing.

Get cheaper insurance rates with discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be inquired about before you get the savings. If you do not check that you are getting every discount possible, it’s possible you qualify for a lower rate.

  • ABS Braking Discount – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
  • Defensive Driving Course – Successfully completing a safe driver course is a good idea and can lower rates depending on where you live.
  • Memberships – Being in specific professional or occupational memberships or organizations could trigger savings when shopping for insurance.
  • Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote insurance coverage for 3 insurance depending on your company.
  • Multi-policy Discount – If you can combine your auto and homeowners policy with one company you could save up to 20% and get you cheaper insurance coverage.
  • Responsible Drivers – Insureds without accidents may save up to 50% more for 3 insurance than drivers with accident claims.
  • Student Discount for Driver Training – Have your child enroll in driver’s education if offered at their school.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.

You should keep in mind that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But any discount will positively reduce your policy cost.

A list of insurance companies and some of the premium reductions they offer can be found below.

  • State Farm offers discounts for good student, safe vehicle, good driver, anti-theft, and student away at school.
  • Farmers Insurance includes discounts for pay in full, youthful driver, electronic funds transfer, teen driver, bundle discounts, early shopping, and switch companies.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, continuous coverage, homeowner, and multi-vehicle.
  • Geico may offer discounts for five-year accident-free, air bags, membership and employees, anti-theft, multi-policy, and good student.
  • Auto-Owners Insurance has discounts for safe vehicle, good student, safe driver, student away at school, company car, and anti-lock brakes.
  • The Hartford may have discounts that include bundle, driver training, air bag, defensive driver, vehicle fuel type, anti-theft, and good student.
  • Farm Bureau may include discounts for youthful driver, driver training, 55 and retired, multi-vehicle, good student, renewal discount, and multi-policy.
  • USAA offers premium reductions for new vehicle, defensive driver, loyalty savings, multi-policy, annual mileage, and safe driver.

If you need lower rates, check with every insurance company how you can save money. Depending on the company, some discounts might not apply in your area. To locate companies who offer free insurance quotes, click this link.

The Mazda 3 insurance cost equation

An important part of buying insurance is that you know some of the factors that help calculate the level of your policy premiums. When you understand what determines base rates, this helps enable you to make changes that can earn you lower premium levels.

The itemized list below are some of the items that factor into your rates.

  • Discounts for married couples – Walking down the aisle helps lower the price when shopping for insurance. Marriage generally demonstrates drivers are more financially stable and insurance companies like that married drivers get in fewer accidents.
  • Guys are more aggressive – Statistics demonstrate that females take fewer risks when driving. It does not mean females are better at driving than males. Females and males tend to get into fender benders in similar numbers, but the male of the species have accidents that have higher claims. Not only that, but men also receive more major tickets like driving under the influence (DUI).
  • Too many insurance claims and you’ll pay more – Auto insurance companies provide the lowest premiums to drivers who file claims infrequently. If you file claims often, you can expect higher rates. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
  • Your occupation is a factor – Jobs like judges, executives and dentists are shown to have the highest average rates in part from intense work situations and lots of time spent at work. On the flip side, jobs such as actors, engineers and performers generally pay rates lower than average for 3 insurance.

Tailor your auto insurance coverage to you

When choosing coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if you will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • Do I need rental car coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does car insurance cover theft of personal property?
  • Does my 2017 Mazda 3 need full coverage?
  • Am I covered when pulling a rental trailer?
  • Will my rates increase for filing one claim?
  • How high should deductibles be on a 2017 Mazda 3?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Smaller companies may have the best rates

Popular insurance providers such as Geico, State Farm and Progressive continually stream ads on TV and radio. They all seem to tend to make the same promise about how much you will save if you change your policy. That’s great but how can every company charge you a lower premium? It’s all in how they say it.

Insurance companies have a preferred profile for the driver that will be a good risk. For example, a profitable customer might be between the ages of 30 and 45, carries high limits, and insures a new vehicle. Any driver who matches that profile will probably get cheap prices and as a result will probably save some money.

Potential customers who fall outside these standards will have to pay more expensive rates and this results in business going elsewhere. If you pay attention, the ads say “people that switch” not “all people who quote” will save that much if they switch. That’s why companies can claim big savings.

Because of these techniques, drivers must do a quote comparison often. Because you never know with any certainty which company will have better rates than you’re paying now.

What insurance coverages do you need?

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverages – This protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as loss of income, medical services, repair bills for other people’s vehicles, pain and suffering and structural damage. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like pain medications, nursing services, funeral costs, EMT expenses and dental work. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mazda 3.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, hail damage and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays for damage to your 3 from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Smart shoppers get results

People switch companies for any number of reasons including denial of a claim, high rates after DUI convictions, lack of trust in their agent and even poor customer service. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced liability coverage limits only to regret that they should have had better coverage. Your goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

Some insurance providers may not provide online quoting and these smaller providers sell through local independent agencies. Cheap 2017 Mazda 3 insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

Additional insurance information can be read on the following sites: