2006 Mazda 3 Insurance Quotes – 6 Tips for Cheapest Rates

Looking for cheaper insurance coverage rates for your Mazda 3? There isn’t a single person who enjoys paying for insurance coverage, especially when they are aware that the cost is too high.

You have so many car insurance companies to pick from, and though it is a good thing to be able to choose, it can be more challenging to get the best deal.

How to buy auto insurance online

There are several ways of comparing rates from different companies. The quickest method to compare rates involves getting comparison quotes online. It’s really quite simple and can be done by using one of the methods below.

If you are pressed for time, the simplest way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating repetitive form entry for every auto insurance company. Taking the time to complete one form will get you rate comparisons from multiple low-cost companies.

A less efficient way to find better pricing requires visiting the website for each individual company and get a separate price quote. For example, we’ll assume you want to get rates from Liberty Mutual, State Farm and Travelers. To get each rate you have to go to every website and repeatedly type in your coverage information, which can take a lot of time.

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

Whichever way you use, be sure you’re using nearly identical deductibles and coverage limits for every company. If you enter higher or lower deductibles it will be very difficult to find the best deal for your Mazda 3. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. It’s important to know that comparing more quotes helps you find a better price.

These six discounts can lower your insurance coverage quotes

Car insurance companies do not list all their discounts very clearly, so we break down a few of the more well known as well as the least known discounts that may be available.

• Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could earn you a nice discount on your policy.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
• Policy Bundle Discount – If you insure your home and vehicles with the same insurance company you could earn a discount of up to 20% off your total premium.
• Senior Citizen Rates – Mature drivers can get a small decrease in premiums on 3 coverage.
• Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less on 3 coverage than drivers with accidents.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

One thing to note about discounts is that most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you could get a free insurance coverage policy, that’s just not realistic.

To locate insurers who offer cheap insurance coverage quotes, click here.

Different people need different auto insurance coverages

When buying the best auto insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover if you may require specific advice.

• How many claims can I have before being cancelled?
• Is a new car covered when I drive it off the dealer lot?
• Do I need replacement cost coverage?
• Do I benefit by insuring my home with the same company?
• When can I cancel my policy?
• Am I better off with higher deductibles on my 2006 Mazda 3?
• What is an SR-22 filing?
• Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, rolling your car, crashing into a ditch, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hitting a bird, damage from a tornado or hurricane and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Mazda 3.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

Liability insurance can cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like legal defense fees, pain and suffering, funeral expenses and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like ambulance fees, dental work, chiropractic care and EMT expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

And the best car insurance company is…

We’ve covered a lot of tips how to save on 2006 Mazda 3 insurance. The key concept to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices come from a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

Discount 2006 Mazda 3 insurance is possible both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide rate quotes online and usually these smaller providers sell through independent agencies.

More learning opportunities

• Safety Belts FAQ (iihs.org)
• What is Full Coverage? (Allstate)
• A Tree Fell on Your Car: Now What? (Allstate)
• Child Safety FAQ (iihs.org)