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Mazda MX-3 Insurance Rates

Shopping for car insurance from online rate quotes can be fast and easy and there is a good chance you may find lower rates. The most important part is to get as many rate quotes as possible so you can get all your choices.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of car insurance companies selling insurance. The are a couple different ways to compare quotes from local car insurance companies. The fastest way to find competitive Mazda MX-3 insurance quotes consists of shopping online. This can be accomplished by completing this short form.

FREE Car Insurance Comparison

Insurance premiums for a Mazda MX-3 can fluctuate considerably depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Where you reside can make a big difference
  • How many miles you drive
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Safety rating of your MX-3
  • Your job
  • Your coverage level
  • Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks cost less compared to new Mazda models so repair costs tend to be lower which may result in lower rates. On the flip side, newer models have more advanced features like forward-collision avoidance, adaptive cruise control, and lane departure warning system which may give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Mazda caused by collision with another car or object. A deductible applies then your collision coverage will kick in. Mazda MX-3 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper Mazda MX-3 insurance rates.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Mazda MX-3 Insurance Rates?