2009 Mazda Mazdaspeed 3 Car Insurance Cost

Do you get exhausted from paying out the nose to pay car insurance each month? Your situation is no different than most other vehicle owners. Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the definite lowest rate

It’s a good idea to price shop coverage yearly because prices trend upward over time. Just because you found the best rates on Mazdaspeed 3 coverage on your last policy you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the tricks you need to know to properly buy coverages while reducing your premium.

If you have insurance now or need a new policy, you will benefit by learning to find better prices while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need to know the most effective way to get comparison rates online.

Discounts for affordable auto insurance rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some must be asked for before they will apply.

  • Discount for Low Mileage – Fewer annual miles on your Mazda could earn cheaper premium rates.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Resident Student – Any of your kids living away from home attending college and don’t have a car may be insured at a cheaper rate.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Multiple Vehicles – Buying a policy with more than one vehicle with one company can get a discount for every vehicle.
  • No Accidents – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote in comparison to policyholders that have many claims.
  • Onboard Data Collection – Drivers who agree to allow data collection to analyze vehicle usage by using a telematics device like Allstate’s Drivewise may see discounts if they are good drivers.

Just know that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, it’s just not the way it works. But all discounts will definitely reduce the cost of coverage.

Larger auto insurance companies and a selection of discounts are outlined below.

  • State Farm may offer discounts for Drive Safe & Save, good student, safe vehicle, multiple autos, and anti-theft.
  • Geico policyholders can earn discounts including anti-lock brakes, membership and employees, daytime running lights, five-year accident-free, anti-theft, and air bags.
  • Progressive has savings for good student, online quote discount, homeowner, continuous coverage, online signing, multi-policy, and multi-vehicle.
  • 21st Century discounts include homeowners, theft prevention, automatic seat belts, driver training, and anti-lock brakes.
  • American Family offers discounts for Steer into Savings, mySafetyValet, defensive driver, multi-vehicle, and good student.
  • The Hartford may include discounts for vehicle fuel type, good student, air bag, bundle, defensive driver, anti-theft, and driver training.
  • AAA has discounts for multi-policy, good driver, education and occupation, good student, anti-theft, multi-car, and AAA membership discount.

If you need cheaper auto insurance quotes, ask each company or agent which discounts they offer. Some discounts listed above might not apply in your area.

Buy cheap insurance with these tips

One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that aid in calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower insurance prices. Lots of things are part of the equation when you get a price on insurance. Some factors are common sense like a motor vehicle report, although others are not quite as obvious such as your marital status or how safe your car is.

  • Younger drivers are expensive to insure – Older drivers are viewed as being more responsible, are lower risk to insure and tend to be get fewer driving tickets.Beginning drivers are known to be inattentive when driving therefore insurance rates are much higher.
  • Discounts for auto and home policies – Some insurance companies allow discounts to buyers who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten percent or more. If you currently are using one company, drivers will still want to compare rates to verify if the discount is saving money.
  • Poor credit rating equals high costs – Having a bad credit score can be a huge factor in determining what you pay. Therefore, if your credit rating leaves room for improvement, you could pay less to insure your 2009 Mazda Mazdaspeed 3 by spending a little time repairing your credit. People that have very good credit scores tend to be more responsible and file fewer claims than drivers with worse credit.
  • Rental and towing coverage may not be needed – Insurance companies have many optional add-on coverages that can waste your money when buying insurance. Coverages for rental car reimbursement, towing coverage, and Farm Bureau memberships are examples of these. These coverages may sound good when discussing your needs, but if you don’t need them think about removing them and cutting costs.
  • Where you call home can affect prices – Residing in a small town is a good thing when insuring your vehicles. City drivers have much more traffic and more severe claims. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Drive a safer car and pay less – Safer cars cost less to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies which can mean better rates for you.
  • Accidents can increase prices – Having just one moving violation could increase your next policy renewal by twenty percent. Drivers with clean records receive lower rates than their less careful counterparts. People who have careless tickets like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.

You may need specialized car insurance coverage

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might point out if you could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I drive in a foreign country?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How does medical payments coverage work?
  • How do I insure my teen driver?
  • Should I have combined single limit or split liability limits?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Learn about car insurance coverages for a Mazda Mazdaspeed 3

Learning about specific coverages of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mazda Mazdaspeed 3.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover 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. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills for EMT expenses, doctor visits, dental work, surgery and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Mazdaspeed 3 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, vandalism, hitting a deer and hitting a bird. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Keep this in mind

Cheap 2009 Mazda Mazdaspeed 3 insurance is possible both online and from local insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies do not provide rate quotes online and many times these smaller providers sell through independent agents.

In this article, we presented some good ideas how you can compare 2009 Mazda Mazdaspeed 3 insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable auto insurance. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Much more information about auto insurance is located on the following sites:

Comments About 2009 Mazda Mazdaspeed 3 Insurance

  1. Arla Holmes

    I think I’m paying too much. From San Jose, CA. Received quotes with Progressive, Esurance, and Liberty Mutual for my Mazda and saved $525 a year. I have a teen driver too.

  2. Ariane Camacho

    Great site. I live on the west side of Fairbanks, Alaska. I got free rates from Travelers, AAA, GMAC, and Nationwide for my 2009 Mazda Mazdaspeed 3 and saved just over $290 a year. LOL

  3. Janyce Vargas

    Anyone try to read their policy?

  4. Francene Cervantes

    Great info, thanks for posting. I live south of Montgomery, AL. Compared rates from a lot of places. Saved roughly $50 a month. 21st Century was the cheapest option for me.

  5. Charmaine Schwartz

    Cheaper not always better. Found cheapest coverage with AIG Insurance for my 2009 Mazda Mazdaspeed 3 and saved around $270 a year. Left Auto-Owners to switch. Are quotes cheaper online?

  6. Estefana Dodson

    Lots of useful info here. From west side of Anchorage, Alaska. I quoted with The General, Amica, Safeco, and a couple others for my 2009 Mazda Mazdaspeed 3 and I think I saved around $30 each month.

  7. Shira Erickson

    What are minimum liability limits required in Texas?

  8. Ethelene Vega

    Lots of good stuff here. From Bismarck, North Dakota. Got rates from Amica, Mercury, and Western Auto Insurance for my Mazda and saved just over $110 a year. I even had a DUI years ago. Hardly afford to drive anymore.

  9. Michel Nelson

    Well-written and thought out article. I’m from Louisville, KY. I quoted with State Farm, Auto-Owners, and Farmers for my Mazdaspeed 3 and I’m now saving $45 a month. I recommend comparing lots of rates.

  10. Daniel Hanson

    Good detail in your article. I live on the south side of Shreveport, LA. Compared rates from a lot of places. Saved roughly $30 a month. GEICO was the cheapest option for me.