2009 Mazda Mazda3 Insurance Quotes – 8 Policy Discounts

Want cheaper insurance coverage rates for your Mazda Mazda3? Trying to find cheaper insurance for your Mazda Mazda3 could be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to compare insurance coverage rates and you need to know the best way to quote coverages for a new or used Mazda and find the lowest price either online or from local insurance agents.

Consumers should take time to check insurance coverage prices on a regular basis due to the fact that insurance prices go up and down regularly. Just because you had the lowest price for Mazda3 coverage a year ago you can probably find a lower rate today. There is lot of inaccurate information about insurance coverage online, but in this article, you’re going to get the easiest ways to lower your insurance coverage premiums.

Earn discounts to get lower-cost insurance coverage rates

Companies that sell car insurance don’t always list all disounts in an easy-to-find place, so the list below contains both the well known and also the lesser-known discounts you could be receiving when you buy insurance online.

  • Auto/Home Discount – If you can bundle your auto and home insurance with one insurance company you could get a discount of at least 10% off all policies.
  • Good Driver Discounts – Insureds without accidents could pay up to 40% less for Mazda3 coverage than drivers with accidents.
  • E-sign – A handful of companies give back up to $50 for buying your policy on the web.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more off the personal injury premium cost.
  • No Accidents – Drivers who stay claim-free have much lower rates as opposed to frequent claim filers.
  • Defensive Driver Discounts – Completing a course teaching defensive driver skills is a good idea and can lower rates and also improve your driving technique.
  • Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save 5% or more.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

Some companies that may offer quotes with these money-saving discounts include:

Check with all the companies how you can save money. Savings may not apply to policies in your area. To see providers with discount rates, follow this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether you could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • Am I covered if I crash into my own garage door?
  • What is PIP insurance?
  • Does my insurance cover a custom paint job?
  • What exactly is covered by my policy?
  • Should I waive the damage coverage when renting a car?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision – This coverage pays for damage to your Mazda3 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses such as funeral costs, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your 2009 Mazda Mazda3.

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 is very important. Frequently these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hail damage, hitting a bird, a tree branch falling on your vehicle and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance – Liability insurance protects you from damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values 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 one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as emergency aid, structural damage, court costs and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Shop Smart and Save

Drivers change insurance companies for any number of reasons including high prices, delays in responding to claim requests, policy cancellation and lack of trust in their agent. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

While you’re price shopping online, never buy poor coverage just to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

Some companies don’t offer rates over the internet and usually these regional insurance providers sell through local independent agents. The cheapest 2009 Mazda Mazda3 insurance is available online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money.

More information can be read at these links:

Comments About 2009 Mazda Mazda3 Insurance

  1. Caitlin Lamb

    I’m in the suburbs of Charleston, WV. Quoted with Progressive, AIG Insurance, Farmers, and Liberty Mutual for my Mazda3 and saved $538 a year. Hopefully won’t need it. I quoted rates online then called them.

  2. Vance Rivas

    Affordable car insurance is a myth. Proud to be from Hilo, Hawaii. Got car insurance prices from 21st Century, American Family, and Eastwood for my 2009 Mazda Mazda3 and I think I cut my rates about $70 each month. I think they have home insurance too.

  3. Sharda Shelton

    What are minimum liability limits required in New Hampshire?

  4. Valeri Briggs

    Is State Farm cheap in Kansas City, Kansas?

  5. Arlinda Nelson

    Will Progressive cancel me for an at-fault accident?

  6. Gino Le

    I’ve insured with 21st Century for a long time. Pretty cheap in Rutland, VT.

  7. India Schneider

    What exactly does liability cover?

  8. Eusebio Carrillo

    Proud to be from Tampa, FL. Checked online prices for a 2009 Mazda Mazda3. Ended up at about $350 savings annually. Went with GEICO. I used their website to get prices.

  9. Lavonna Davenport

    From Atlanta, GA. I got free rates from Amica, MetLife, and a few others for my Mazda3 and saved $268 a year. Insured with Eastwood before.

  10. Bessie Church

    I can’t pay high rates. From northwest of Paterson, NJ. Went online for free insurance quotes for a 2009 Mazda Mazda3. Ended up at about $580 savings annually. Went with Progressive. Was with Progressive. They have free quotes online.

  11. Jalisa Stout

    I compared a lot of rate quotes for a 2009 Mazda Mazda3 in Rapid City, SD. Ended up at roughly $160 every six months with American Family. Was with 21st Century.

  12. Melba Wolfe

    Nice info. Got a quote with Erie for my 2009 Mazda Mazda3 and am saving around $500 a year. Got better coverage too.