View 2009 Mazda 3 Insurance Quotes

Searching for the cheapest insurance rates for your Mazda 3? Cutting costs on Driversinsurance can be a challenge for drivers who are beginners to online price comparisons. There are so many different companies and agents to choose from that it can easily turn into a difficult mission to find cheaper rates.

How car insurance companies determine Mazda 3 insurance premiums

Consumers need to have an understanding of a few of the rating criteria that aid in calculating your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower insurance prices.

• Battle of the sexes – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Females and males are responsible for at-fault accidents in similar percentages, but the men tend to have more serious accidents. Not only that, but men also have more aggressive citations like driving under the influence (DUI). Male teenagers are the most expensive to insure so it costs more to insure them.
• Do you work long hours in a stressful employer? – Did you know your job can affect your rates? Careers like military generalsairline pilots and miners have the highest average rates because of intense work situations and lengthy work days. On the other hand, occupations like scientists, students and performers get better rates for 3 coverage.
• Keep prices low by being claim-free – Companies generally give lower rates to people who file claims infrequently. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended to be relied upon for larger claims.
• Liability insurance preserves assets – Your insurance policy’s liability coverage kicks in when you are found liable for an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
• Mileage impacts prices – The more you drive annually the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Vehicles that are left in the garage qualify for better rates than cars that get driven a lot. It’s a smart idea to ensure your insurance policy correctly shows the correct driver usage, because it can save money. Incorrect rating for your 3 may be costing you higher rates.
• High comp and collision deductibles save money – Insurance for physical damage, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims would be running into the backend of another car, collision with an animal, and having your car stolen. Your deductibles represent how much money you are willing to pay out-of-pocket if the claim is covered. The more of the claim you have to pay, the less money you will pay for insurance for 3 coverage.
• Improve your credit rating – Your credit rating factor in calculating your premium rate. Insureds that have excellent credit scores tend to file fewer claims than those with poor credit. So if your credit history is lower than you’d like, you could pay less to insure your 2009 Mazda 3 by improving your rating.
• Careless drivers pay higher rates – Getting just one moving violation can bump up the cost substantially. Good drivers receive lower rates than their less careful counterparts. Drivers who have received severe violations like reckless driving or DUI may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.

Insurance coverage quotes comparison

There are multiple methods to compare insurance coverage quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day talking to insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

All the larger companies enroll in a system that allows shoppers to submit one quote, and each company returns a competitive quote for coverage. This eliminates the need for quote forms to each company.

To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to using this type of form is you don’t know exactly which carriers to receive prices from. If you would rather choose from a list of companies to receive pricing from, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but compare the same coverage information with each company. If you use differing limits it will be nearly impossible to determine which rate is truly the best. Just a small difference in limits can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies helps you find lower pricing. Some smaller insurers to not give prices over the internet, so it’s recommended that you also compare rates from those companies as well.

Can switching companies really save?

Popular auto insurance providers such as Progressive, Allstate and Geico continually stream ads on television and other media. All the companies advertise claims that drivers will save a bundle just by moving to them. How do they all say the same thing? Just pay attention to how they say it.

Different companies have a certain “appetite” for a prospective insured that earns them a profit. For example, a desirable risk might be a married female, has no prior claims, and has great credit. A propective insured that meets those criteria is entitled to the best price and will also save quite a bit of money when switching.

Potential insureds who cannot meet those standards will be charged a higher premium and this can result in the customer buying from a different company. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save that much money. That’s why companies can truthfully advertise the savings. Because of the profiling, you really should get insurance quotes as often as possible. It is impossible to predict which insurance companies will have the best premium rates at this point in time.

These discounts can lower your insurance coverage quotes

The price of auto insurance can be rather high, but there may be some discounts that many consumers don’t even know exist. Some discounts apply automatically at quote time, but some need to be manually applied prior to getting the savings.

• Life Insurance – Some companies give better insurance coveragerates if you take out auto and life insurance together.
• Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
• No Claims – Claim-free drivers can earn big discounts as opposed to insureds who have frequent claims or accidents.
• Military Deployment Discount – Being deployed in the military could trigger a small discount.
• Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.

You can save money using discounts, but most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, nobody gets a free ride.

Companies that may include some of the above discounts include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Before purchasing a policy, check with each company or agent how you can save money. Some discounts may not apply to policyholders in your area.

Different people need different insurance coverages

When buying the best insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

• Is my state a no-fault state?
• Is my camper covered by my car insurance policy?
• How do I buy GAP insurance?
• Can I afford to buy a different vehicle if my 2009 Mazda 3 is totaled?
• Do I have any recourse if my insurance company denies a claim?
• Is business property covered if stolen from my car?
• Who is covered by my policy?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance policy specifics

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses for doctor visits, dental work, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – Liability coverage will cover damage or injury you incur to other’s property or people in an accident. 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: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical services, medical expenses, emergency aid and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, colliding with a tree, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, rock chips in glass, fire damage, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Quote often and quote early

When shopping online for insurance, you should never reduce coverage to reduce premium. There are too many instances where someone dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

You just read many ideas to reduce 2009 Mazda 3 insurance rates online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates are with a company that doesn’t do a lot of advertising.

People switch companies for any number of reasons including being labeled a high risk driver, poor customer service, policy cancellation and denial of a claim. It doesn’t matter why you want to switch finding the right insurance provider can be less work than you think.

More tips and info about insurance is available in these articles:

• Older Drivers FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)