2017 Mazda CX-3 Insurance Cost

Buyers have many options when searching for the lowest priced Mazda CX-3 insurance. They can either waste time driving around to compare prices or utilize the internet to compare rates. There are more efficient ways to shop for insurance so we’re going to tell you the absolute fastest way to compare rates on a Mazda and obtain the best price possible from both online companies and local agents.

These discounts can lower your auto insurance rates

Companies don’t necessarily list every possible discount very well, so here is a list a few of the more common in addition to some of the lesser obvious ways to save on auto insurance.

  • New Car Discount – Adding a new car to your policy can save you some money since new model year vehicles have better safety ratings.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Safety Restraint Discount – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Multiple Policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of as much as 10 to 15 percent.
  • Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • Government Employees – Federal government employees could provide a small rate reduction for CX-3 insurance with select insurance companies.
  • Claim Free – Drivers who don’t have accidents pay much less when compared with drivers who are more careless.
  • Low Miles Discount – Low annual miles can qualify you for better rates on cars that stay parked.
  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, nobody gets a free ride.

Companies and some of their more popular discounts are included below.

  • State Farm includes discounts for multiple policy, student away at school, accident-free, defensive driving training, good driver, multiple autos, and passive restraint.
  • Nationwide may include discounts for family plan, multi-policy, business or organization, Farm Bureau membership, and accident-free.
  • Geico offers premium reductions for multi-vehicle, multi-policy, anti-lock brakes, defensive driver, seat belt use, and membership and employees.
  • AAA discounts include education and occupation, good driver, multi-car, AAA membership discount, and good student.
  • 21st Century has savings for driver training, homeowners, 55 and older, teen driver, and anti-lock brakes.
  • The Hartford may offer discounts for vehicle fuel type, defensive driver, good student, driver training, air bag, bundle, and anti-theft.

When comparing rates, check with each company or agent which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in your area. To choose insurance companies who offer online auto insurance quotes, click this link.

Different people need different car insurance coverages

When it comes to choosing coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might help in determining if you could use an agent’s help.

  • Is my trailer covered?
  • What discounts do I qualify for?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are my friends covered when driving my car?
  • What is the minimum liability in my state?
  • How high should my medical payments coverage be?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance coverage specifics

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance will pay to fix damage to your CX-3 resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, backing into a parked car, crashing into a ditch, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Auto liability

Liability coverage provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, repair costs for stationary objects, bail bonds and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2017 Mazda CX-3.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as X-ray expenses, hospital visits, EMT expenses, dental work and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hitting a bird and a tree branch falling on your vehicle. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Shop smart and save

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Some insurance providers do not offer rate quotes online and usually these small, regional companies only sell coverage through independent insurance agents. The cheapest 2017 Mazda CX-3 insurance is definitely available both online and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

We just covered many ideas to compare 2017 Mazda CX-3 insurance rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the most savings is with some of the smallest insurance companies.

To learn more, feel free to browse the articles below: