Cheap 2004 Mazda 3 Car Insurance Quotes

Having to pay for high-priced car insurance can sap your family’s budget and maybe even restrict other spending. Price shopping at each renewal is free, only takes a few minutes, and is a good way to cut your insurance bill.

People have so many car insurance companies to choose from, and even though it’s nice to have a selection, too many choices makes it more difficult to compare company pricing.

Shopping for the cheapest car insurance coverage is quite easy. Basically, every driver who carries car insurance most likely will be able to lower their premiums. Nevertheless, vehicle owners must learn the methods companies use to market on the web and apply this information to your search.

Get lower-cost insurance with discounts

Not many people think insurance is cheap, but you might find some hidden discounts to help offset the cost. Some discounts will apply at quote time, but lesser-known reductions have to be inquired about before being credited.

  • Active Service Discounts – Having a family member in the military could mean lower prices.
  • Professional Organizations – Participating in a professional or civic organization may earn a discount on your bill.
  • New Vehicle Savings – Insuring a vehicle that is new can get you a discount since newer vehicles have better safety ratings.
  • Multi-car Discount – Buying insurance for several vehicles with the same insurance company qualifies for this discount.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save a little off the personal injury premium cost.

Discounts lower rates, but some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, that’s just not realistic.

To view insurance companies with significant discounts, click this link.

How to find cheap insurance coverage

The are a couple different ways to compare prices from insurance coverage companies in your area. The best way to find competitive 2004 Mazda 3 insurance rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

If you don’t have a lot of time, the easiest way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do boring form submissions for every prospective company. In just a few minutes this one form will get you price quotes direct from many companies.

Another way to find better pricing is to take the time to go to the website for each individual company to complete a price quote. For instance, let’s say you want to see prices from Auto-Owners, State Farm and Farmers. To find out each rate you need to visit each site to enter the same coverage data repeatedly, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

Even if you have time, the least recommended way to compare price quotes is physically going to insurance agencies in your area. Shopping for insurance coverage online eliminates the need for an insurance agent unless you’re the type of person who wants the professional abilities of a local agent. Although, it is possible price shop online but still have the advice of a local agent.

Which method you use is up to you, but do your best to use apples-to-apples coverage limits on every price quote you get. If you have different limits and deductibles on each one you can’t possibly determine which company has the best rates. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that comparing a wide range of rates helps increase your odds of locating more affordable rates. Not every company provides online price quotes, so it’s necessary to compare price quotes from those companies as well.

Insurance prices are influenced by these factors

Lots of things are taken into consideration when premium rates are determined. A few of the factors are predictable like an MVR report, but other criteria are not as apparent such as whether you are married or your financial responsibility.One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that are used to determine the rates you pay for auto insurance. When you understand what impacts premium levels, this helps enable you to make changes that may reward you with lower premium levels.

  • Never let your auto insurance policy lapse – Having a gap between insurance policy dates can be a sure-fire way to bump up your auto insurance costs. In addition to paying higher premiums, the inability to provide proof of insurance may result in a fine, jail time, or a revoked license.
  • Do you really need the incidental coverages? – Insurance companies have many optional add-on coverages that you can buy when buying auto insurance. Coverages like roadside assistance, towing coverage, and membership fees may be wasting your money. The coverages may be enticing initially, but now you might not need them so remove them and pocket the money.
  • Theft deterrents systems cut prices – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart vehicle theft.
  • Males tend to take more risk – Statistics demonstrate females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Females and males cause fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets such as DWI and reckless driving.
  • Stay claim-free and save money – If you are the type of insured that files lots of claims you should expect higher rates. Companies generally give better rates to people who are claim-free. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Annual mileage impacts costs – Driving more miles in a year’s time the higher your rate. The majority of insurers calculate rates based on their usage. Cars and trucks that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. Ask your agent if your auto insurance policy shows the correct usage for each vehicle. Having an incorrect usage rating on your 3 may be costing you.
  • Insurance is expensive for teen drivers – More experienced drivers are more responsible, tend to cause fewer accidents , and usually have better credit.Inexperience drivers are proven to be easily distracted in a vehicle therefore auto insurance rates are much higher.
  • Your location is important – Having an address in smaller towns and rural areas of the country can be a good thing if you are looking for the lowest rates. Urban drivers tend to have more aggressive driving styles and longer commutes to work. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions might point out if you might need professional guidance.

  • Is upholstery damage covered by car insurance?
  • Am I covered when driving on a suspended license?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When can I cancel my policy?
  • Should I bundle my homeowners policy with my auto?
  • Do I pay less for low miles?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages and their meanings

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages found on the average car insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda 3.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.

Auto collision coverage

This coverage pays for damage to your 3 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, scraping a guard rail, crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses like ambulance fees, chiropractic care, surgery, dental work and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from flooding and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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 policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, pain and suffering and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Shop Smart and Save

We just covered a lot of tips how to compare 2004 Mazda 3 insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest prices come from a small local company. They may have significantly lower rates on certain market segments compared to the large companies like GEICO and State Farm.

Some insurance companies do not offer the ability to get quotes online and many times these smaller providers prefer to sell through independent agents. Lower-priced insurance is available from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

Additional information can be read at the links below

Comments About 2004 Mazda 3 Insurance

  1. Helen Mercado

    I live in Baton Rouge, Louisiana. Not sure of all the companies but I ended up saving about $20 each month. Have an at-fault accident tho. When should I drop full coverage?

  2. Steven Harmon

    Good site, thanks. Lifelong resident of Chesapeake, VA. Compared rates from a lot of places. Saved right around $20 a month. Allstate was the best choice for me. I have a couple other vehicles on the policy. It’s easy to compare rates online now.

  3. Sha Wilder

    Cheap is relative. Lifelong resident of Milwaukee, WI. Got rates from AIG Insurance, Sentry, and a few others for my Mazda and I think I cut my rates about $20 each month. Get lots of quotes to find the best rate.

  4. Matilde Woods

    In Las Cruces, NM, State Farm is a good choice. Left Erie to switch. Ask about discounts. Get lots of quotes to find the best rate.

  5. Heide Ramsey

    Anyone compare Progressive and State Farm rates in South Burlington, Vermont?

  6. Dinorah Bonner

    Any claims experience with Progressive in Norfolk, VA?

  7. Gino Sosa

    I’m looking for cheaper coverage. I’m from Owensboro, Kentucky. I quoted with Auto-Owners, Mercury, and Travelers for my 2004 Mazda 3 and I think I am saving around $20 each month. Not sure if rates are cheaper online or not.

  8. Tish Farley

    Cheap is not always the best policy. I’m in the suburbs of Fort Wayne, Indiana. Got car insurance quotes with Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my 3 and saved $94 a year. Insured with Hanover before. God forbid I actually have a claim.

  9. Julio Bond

    I found pretty cheap rate quotes for a 2004 Mazda 3 in Rochester, MN. Ended up at right around $80 every six months with AAA. Left Sentry to switch. Highly recommended.

  10. Rick Nixon

    I found pretty cheap rate quotes for a 2004 Mazda 3 in Albuquerque, New Mexico. Ended up at right around $60 every six months with Auto-Owners. Good savings if you bundle. Only insure liability on my 3.

  11. Daphne Zamora

    I got quite a few price quotes for a 2004 Mazda 3 in Saint Paul, Minnesota. Ended up at darn near $90 every six months with AIG Insurance. I even had a DUI years ago. I just carry liability insurance.

  12. Tiana Decker

    From a town just southwest of Des Moines, Iowa. Got quotes from MetLife, Farmers, GEICO, and Auto-Owners for my 2004 Mazda 3 and I’m now saving $20 a month. Insured with GEICO before. Teenage drivers are expensive! God forbid I actually have a claim.

  13. Dorethea Cote

    Will Progressive be cheaper if I raise deductibles?

  14. Eboni Harrison

    Compared auto insurance prices with Allstate and Progressive but still not cheap enough.