Compare 2008 Mazda 3 Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Mazda 3? Tired of robbing Peter to pay Paul to pay high insurance coverage rates every month? You have the same problem as the majority of other drivers.

Many auto insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute lowest price

If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. Finding affordable coverage is easy if you know what you’re doing. Although drivers need to learn the methods companies use to sell online and apply this information to your search.

Get more affordable insurance rates by understanding these factors

It’s important that you understand a few of the rating criteria that play a part in calculating your auto insurance rates. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that can earn you better auto insurance rates. Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving history, but other factors are not as apparent such as whether you are married or how financially stable you are.

Listed below are a partial list of the pieces that factor into your rates.

A auto insurance lapse can increase rates – Allowing your auto insurance policy to lapse is a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage may result in a hefty fine and possibly a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with your state DMV.
Cut prices and deter theft – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
Raise your deductibles for better costs – Insurance for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some examples of claims that would be covered are a dented fender, damage from fire, and having your car stolen. Comprehensive and collision coverage deductibles define how much you are required to pay if you file a covered claim. The more of the claim you are required to pay out-of-pocket, the lower your rates will be on 3 insurance.
Keep rates low by being claim-free – If you frequently file small claims, don’t be surprised to see either higher rates or even cancellation. Auto insurance companies generally give lower rates to drivers that do not abuse their auto insurance. Your insurance policy is designed for claims that pose a financial burden.
Driving citations increase costs – A bad driving record influences premium rates substantially. Drivers who don’t get tickets receive lower rates as compared to those with violations. Having just one driving citation could increase your next policy renewal forty percent or more. Drivers with flagrant violations such as reckless driving, hit and run or driving under the influence might be required by their state to file a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
Older drivers are lower risk – Older insureds are more responsible, tend to file fewer claims and receive fewer citations.Inexperience drivers are proven to get distracted easily when driving therefore auto insurance rates are much higher.
Cars with good safety ratings lower auto insurance rates – Safer cars are cheaper to insure. Vehicles built for safety reduce injuries and reduced instances of injuries means lower claim amounts passed on to you as lower rates.
Discounts for married drivers – Having a spouse actually saves money on your auto insurance bill. Marriage means you’re more mature and insurance companies like that drivers who are married are more cautious.

How to lower your insurance cost

Most larger insurance companies give coverage price quotes directly from their websites. Obtaining pricing doesn’t take a lot of time as you just type in into a form. Upon sending the form, the company’s rating system sends out for information on your driving record and credit history and quotes a price determined by many factors. This makes it a lot easier to compare rates but the process of having to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to do this if you want to find better prices.

Isn’t there an easier way to compare rates?

The quickest way to locate the lowest prices requires only one form that obtains quotes from multiple companies. It saves time, eliminates form submissions, and makes quoting online much more enjoyable. After your information is entered, your coverage is rated and you can select your choice of the quotes that you receive.

If you find a better price you can click and sign and purchase coverage. It takes less than 15 minutes and could lower your rates considerably.

To get comparison pricing now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you copy deductibles and limits identical to your current policy. Doing this assures you’re receiving rate quotes for the exact same coverage.

Are insurance coverage companies telling the truth?

Well-known insurance coverage companies like Allstate and Progressive continually stream ads on TV and radio. They all say the same thing that people will save if you change your policy. How does every insurance coverage company charge lower premium rates? You have to listen carefully.

Insurance coverage companies quote the lowest rates for the type of driver that will add to their bottom line. For instance, a driver they prefer should be between the ages of 30 and 50, has a clean driving record, and drives a vehicle with a low ISO rating. A customer getting a price quote that matches those criteria gets the lowest rates and therefore will save some money.

Drivers who cannot meet these stringent criteria will see higher premiums and ends up with the customer buying from someone else. The trick is to say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the way they do.

Different companies use different criteria so you absolutely need to do a price quote comparison at every renewal. Because you never know with any certainty which company will have the lowest rates.

Save with with these discounts

Car insurance is not cheap nor is it fun to buy but you may find discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be inquired about in order for you to get them.

Passive Restraints – Cars that have air bags and/or automatic seat belt systems could see savings of 20% or more.
No Charge for an Accident – This one isn’t a discount, but a few companies such as State Farm and Geico will let one accident slide before raising your premiums with the catch being you have to be claim-free prior to the accident.
Paperless Signup – Some of the larger companies will give you a small discount for signing up digitally online.
Lower Rates for Military – Being deployed with a military unit can result in better rates.
Own a Home – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
Life Insurance Discount – Car insurance companies who offer life insurance give a small discount if you purchase life insurance.
Drivers Education – Require your teen driver to sucessfully take a drivers education course in school.
Seat Belt Usage – Drivers who require all occupants to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
Discount for Low Mileage – Low annual miles could earn lower premium rates on the low mileage vehicles.
Government Employee Discount – Simply working for the federal government could cut as much as 10% off on 3 insurance with a few car insurance companies.

It’s important to understand that some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Popular car insurance companies and a summarized list of policyholder discounts are:

Farm Bureau offers discounts for renewal discount, multi-policy, 55 and retired, multi-vehicle, and safe driver.
State Farm may include discounts for good driver, Drive Safe & Save, accident-free, driver’s education, multiple autos, anti-theft, and defensive driving training.
Progressive may have discounts that include continuous coverage, good student, online quote discount, multi-policy, and multi-vehicle.
Allstate may offer discounts for premier plus, utility vehicle, economy car, anti-lock brakes, defensive driver, FullPay discount, and good student.
Nationwide offers discounts including multi-policy, anti-theft, family plan, easy pay, good student, and accident-free.
MetLife discounts include accident-free, defensive driver, multi-policy, good driver, claim-free, and good student.

Before you buy a policy, ask all the companies to give you their best rates. Some of the earlier mentioned discounts might not apply in your state. If you would like to view providers who offer cheap car insurance quotes, click here.

Your situation helps dictate your coverage

When it comes to buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions could help you determine whether or not you may require specific advice.

What is medical payments coverage?
When should my teen driver be added to my policy?
Is a new car covered when I drive it off the dealer lot?
Am I covered when delivering products for my home-based business?
Can I get a multi-policy discount?
When should I remove comp and collision on my 2008 Mazda 3?
How much liability coverage do I need in my state?
Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most car insurance policies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Mazda 3.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for ambulance fees, X-ray expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, hitting a bird, hail damage and hitting a deer. 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.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for things like repair costs for stationary objects, medical services, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision coverage

Collision insurance pays for damage to your 3 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

A little work can save a LOT of money

Lower-priced insurance can be sourced both online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer price quotes online and most of the time these regional carriers only sell through independent insurance agencies.

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. In many cases, an insured cut comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

We just showed you a lot of information how to lower your 2008 Mazda 3 insurance rates. It’s most important to understand that the more you quote auto insurance, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the lowest priced insurance comes from some of the lesser-known companies. Smaller companies often have lower car insurance rates on specific markets than their larger competitors like Progressive and Geico.