2018 Mazda CX-3 Insurance Cost

Looking for better auto insurance rates for your Mazda CX-3? High-priced auto insurance can stress out your budget, especially in this economy. You have so many insurers to pick from, and even though it’s nice to have a choice, it makes it harder to locate the cheapest rates.

The purpose of this article is to help you learn how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Drivers just need to understand the proper methods to shop their coverage around online.

The quickest method we recommend to compare car insurance rates is to know the trick car insurance companies will pay a fee to give you rate quotes. The only thing you need to do is provide details such as types of safety features, how much education you have, the make and model of your vehicles, and if you have a valid license. Those rating factors gets sent immediately to all major companies and they return quotes almost instantly.

To start a quote now, click here and find out if lower rates are available.

Do you qualify for discounts?

Car insurance companies don’t always advertise every disount available very clearly, so the list below contains a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Online Discount – Some companies will discount your bill up to fifty bucks get insurance coverage online.
  • Driver Education Discount – Teen drivers should complete a driver education course in high school.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
  • Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings up to 30%.
  • No Charge for an Accident – This one isn’t a discount, but companies like Allstate and State Farm will let one accident slide without getting socked with a rate hike if you are claim-free for a specific time period.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) on medical payment and PIP coverage.

Discounts save money, but please remember that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Popular insurance coverage companies and a partial list of their discounts include:

  • State Farm includes discounts for Drive Safe & Save, student away at school, multiple policy, safe vehicle, accident-free, and multiple autos.
  • Geico may offer discounts for air bags, driver training, membership and employees, anti-lock brakes, and multi-policy.
  • SAFECO offers premium reductions for safe driver, teen safe driver, bundle discounts, anti-lock brakes, and accident prevention training.
  • Farmers Insurance has savings for teen driver, good student, pay in full, business and professional, switch companies, and bundle discounts.
  • AAA discounts include pay-in-full, multi-car, education and occupation, AAA membership discount, and multi-policy.
  • USAA may include discounts for good student, annual mileage, multi-policy, family discount, safe driver, military installation, and vehicle storage.

If you are trying to find the cheapest insurance coverage quotes, ask every prospective company how many discounts you can get. Discounts may not be available everywhere. If you would like to see a list of insurers that offer the discounts shown above, click this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight if your insurance needs may require specific advice.

  • I have health insurance so do I need medical payments coverage?
  • Are rental cars covered under my policy?
  • Is upholstery damage covered by car insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving in Canada or Mexico?
  • Exactly who is provided coverage by my policy?
  • Is pleasure use cheaper than using my 2018 Mazda CX-3 to commute?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Cut insurance costs with these tips

A large part of saving on auto insurance is knowing the rating factors that come into play when calculating your premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could help you find cheaper rates.

  • Job impacts auto insurance rates – Careers like real estate brokers, executives and miners usually pay higher premiums than the average policyholder because of high stress and long work days. On the flip side, occupations such as farmers, historians and the unemployed pay lower than average rates on CX-3 insurance.
  • GPS tracking and theft deterrents reduce premiums – Buying a car with a theft deterrent system can help lower your rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
  • Premiums can change based on your address – Being located in small towns and rural areas is a good thing when insuring your vehicles. Less people living in that area means fewer accidents in addition to lower liability claims People in densly populated areas tend to have more aggressive driving styles and higher rates of accident claims. Higher commute times can result in more accidents.
  • Prevent coverage lapses – Having an insurance coverage lapse is a quick way to increase your renewal premiums. And not only will your rates increase, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Single drivers may pay more – Having a significant other may cut your premiums on your policy. Having a significant other demonstrates that you tend to be more mature and it’s proven that married couples file fewer claims.
  • Premiums for men may be higher – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Females and males get in accidents at about the same rate, but males get into accidents with more damage. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are the most expensive to insure so they pay the highest premiums.

The insurance bait and switch

Consumers can’t avoid all the ads that claim the best premium rates from the likes of State Farm, Geico and Progressive. All the ads make an identical promise that drivers will save a bundle if you just switch to them.

How does each company sell you cheaper insurance coverage? Just pay attention to how they say it.

Many companies quote their best rates for the type of insured that makes them money. For instance, this type of driver might be over the age of 40, owns a home, and insures a new vehicle. Any driver that meets those criteria receives the best premium rates and therefore will save money with a new company.

Potential customers who don’t qualify for those standards may be forced to pay a higher rate which results in the customer not purchasing. The wording the ads use say “drivers that switch” not “everyone who quotes” save money. This is how companies can advertise the way they do.

This really illustrates why it is so important to get as many free insurance coverage quotes as possible. It’s not possible to predict with any certainty which company will fit your personal profile best.

Learn about car insurance coverages for a 2018 Mazda CX-3

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Liability insurance

Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, repair bills for other people’s vehicles, legal defense fees, funeral expenses and court costs. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses for things like dental work, funeral costs and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, hitting a bird and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your CX-3 from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

One last thing about your coverage

Cheaper insurance coverage can be found on the web as well as from independent agents, and you should compare price quotes from both to have the best selection. Some companies may not offer online quoting and most of the time these small insurance companies work with local independent agents.

When you buy insurance coverage online, you should never buy less coverage just to save a little money. There are a lot of situations where someone dropped liability coverage limits and discovered at claim time that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

Much more information about insurance coverage is located below: