1993 Mazda MX-3 Insurance Quotes

Locating the cheapest insurance for a new or used Mazda MX-3 can normally be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy. There are both good and bad ways to find insurance coverage online so you’re going to learn the absolute fastest way to price shop coverage for your Mazda and locate the cheapest rates either online or from local insurance agents.

It’s a great practice to do rate comparisons at least once a year because insurance coverage prices go up and down regularly. Just because you found the lowest rates on MX-3 coverage at your last renewal other companies may now be cheaper. There is a lot of wrong information about insurance coverage on the web, but by reading this article, you’re going to learn some proven techniques to find cheap insurance coverage.

Finding affordable coverage is quite easy. If you have insurance now or are looking for a new policy, you can use these tips to shop for the lowest rates and possibly find even better coverage. Consumers only need an understanding of the proper way to compare prices online.

Find discounts on car insurance

Not many people think insurance is cheap, but there could be significant discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but some discounts are required to be specifically requested before you will receive the discount.

• Telematics Data Discounts – Policyholders that allow companies to spy on driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates if they are good drivers.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
• Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
• Homeowners Pay Less – Owning a home can get you a discount because owning a home is proof of financial responsibility.
• Active Service Discounts – Having a deployed family member could qualify you for better rates.
• Safety Course Discount – Successfully completing a defensive driving course could earn you a small percentage discount and make you a better driver.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.

Larger car insurance companies and their possible discounts are shown below.

• Farm Bureau may have discounts that include safe driver, renewal discount, driver training, youthful driver, and 55 and retired.
• MetLife has discounts for good driver, accident-free, claim-free, good student, and defensive driver.
• Progressive may offer discounts for multi-vehicle, homeowner, online signing, multi-policy, and good student.
• AAA offers premium reductions for good driver, multi-policy, multi-car, pay-in-full, and education and occupation.
• American Family may include discounts for Steer into Savings, TimeAway discount, bundled insurance, good driver, and defensive driver.
• Geico offers discounts for seat belt use, daytime running lights, membership and employees, defensive driver, multi-policy, and anti-lock brakes.
• State Farm policyholders can earn discounts including safe vehicle, driver’s education, anti-theft, good driver, multiple policy, and Drive Safe & Save.

When comparing rates, check with each insurance company what discounts are available to you. A few discounts may not apply to policyholders in your area. To view car insurance companies offering car insurance discounts, click this link.

How to compare insurance coverage quotes

Finding a better price on insurance coverage is surprisingly easy. All you need to do is spend a few minutes getting comparison quotes online with multiple companies. This can be accomplished by following the guidelines below.

• One of the best ways to get quotes is a comparison rater form like this one (opens in new window). This form keeps you from doing repetitive form submissions for every insurance coverage company. In just a few minutes this one form will get you rate comparisons from all major companies. It’s the fastest way to compare.
• A more difficult way to obtain and compare quotes online is to take the time to go to each company website and go through the quote process again. For instance, let’s say you want to get rates from Auto-Owners, Farmers and Allstate. To get each rate you have to visit each site and enter your information, and that explains why we recommend the first method.

  For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverages and limits for each price quote. If each company quotes differing limits you can’t possibly determine which rate is truly the best.

Four factors that affect insurance prices

Many factors are considered when pricing auto insurance. Some factors are common sense like a motor vehicle report, but other criteria are not quite as obvious such as your marital status or how financially stable you are.

• Get a ticket, pay higher rates – Having a single moving violation could increase your next policy renewal forty percent or more. Careful drivers get better rates compared to drivers with tickets. Drivers who have gotten multiple citations such as DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
• Your career may increase rates – Did you know your career choice can influence rates? Careers like doctors, architects and emergency personnel have the highest average rates in part from intense work situations and extremely grueling work hours. On the flip side, occupations like scientists, historians and performers receive lower rates on MX-3 coverage.
• Drive less and pay lower prices – The higher the miles on your Mazda each year the higher the price you pay to insure it. Most companies rate vehicles based upon how you use the vehicle. Autos that do not get driven very much receive lower rates compared to those used for work or business. Improper usage on your MX-3 may be costing you. Verify your vehicle rating is rated on the correct driver usage.
• Married drivers get better prices – Having a significant other may save some money on your policy. It usually means you are more responsible it has been statistically shown that being married results in fewer claims.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

For instance, these questions can help discover if your situation would benefit from professional advice.

• Are rock chip repairs covered?
• Do I have any recourse if my insurance company denies a claim?
• Does my policy cover me when driving someone else’s vehicle?
• What vehicles should carry emergency assistance coverage?
• Why am I required to get a high-risk car insurance policy?
• I have health insurance so do I need medical payments coverage?
• Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as chiropractic care, ambulance fees, nursing services, rehabilitation expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision – Collision coverage pays for damage to your MX-3 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability – This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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

Liability coverage protects against things like repair bills for other people’s vehicles, attorney fees and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, hitting a bird, fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

One last thing about your coverage

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where someone dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Cheaper 1993 Mazda MX-3 insurance can be sourced from both online companies and with local insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some companies do not offer online rate quotes and most of the time these small insurance companies sell through independent agencies.

People leave their current company for many reasons like extreme rates for teen drivers, policy cancellation, delays in paying claims or lack of trust in their agent. Whatever your reason, switching companies is easier than you think.

Helpful articles

• Drunk Driving Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Tools for Teen Driving Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Safety Features for Your New Car (State Farm)