2011 Mazda Mazdaspeed 3 Car Insurance Quotes – 9 Tricks for Cheaper Rates

Trying to find the cheapest insurance for a Mazda Mazdaspeed 3 could be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are more efficient ways to compare insurance rates and you need to know the absolute fastest way to price shop coverage for your Mazda and get the lowest possible price from both online companies and local agents.

It is always a good idea to quote other rates as often as possible because prices change quite often. Despite the fact that you may have had the best deal for Mazdaspeed 3 coverage on your last policy there is a good chance you can find better rates now. Forget all the misinformation about insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

If you are insured now or need new coverage, you can use these techniques to find better prices and still get good coverage. Buying affordable protection is easy if you know what you’re doing. Drivers only need to know the proper methods to buy insurance coverage online.

How to get free insurance quotes online

Effectively comparing insurance prices can be a lot of work if you don’t know the most efficient way to do it. You could waste a few hours talking about coverages with insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

Many companies take part in a program that enables customers to enter their coverage request one time, and at least one company then gives them pricing for coverage. This saves time by eliminating quote forms to each company.

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

The only downside to comparing rates this way is you cannot specify which providers to receive prices from. So if you want to select specific insurance companies for rate comparison, we have assembled a list of insurance companies in your area. Click to view list.

How you compare quotes is your choice, just compare exactly the same coverage data for every company. If your comparisons have different values for each quote it will be impossible to get a fair rate comparison.

Are you earning every discount?

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but less common discounts must be requested specifically before you get the savings.

  • First Accident Forgiveness – but a few companies such as Allstate, Progressive, and Geico allow you one accident without raising rates if your claims history is clear for a certain period of time.
  • Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you can avoid the installment charge.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of 25 to 30%.
  • Paper-free Discount – Certain companies will provide an incentive shop insurance on the web.
  • Discounts for Good Drivers – Drivers who avoid accidents may save up to 50% more for Mazdaspeed 3 coverage than their less cautious counterparts.
  • Distant Student Discount – Kids who live away from home at college without a vehicle on campus can be insured at a reduced rate.
  • Low Mileage – Fewer annual miles on your Mazda could be rewarded with better rates on cars that stay parked.
  • Early Renewal Discounts – A few insurance companies offer discounts for renewing your policy before your current policy expires. Ten percent is about the average savings.
  • Discount for Life Insurance – Some auto insurance companies give a discount if you purchase auto and life insurance together.

You can save money using discounts, but some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will help lower the premium cost.

If you would like to see a list of insurance companies who offer free auto insurance quotes, click here to view.

When in doubt talk to an agent

When buying coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Can I afford low physical damage deductibles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How much liability do I need to cover my assets?
  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?
  • When can I cancel my policy?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance specifics

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, X-ray expenses, surgery and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Mazdaspeed 3 resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, hitting a parking meter and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Mazda Mazdaspeed 3.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Liability coverages

This can cover damage or injury you incur to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hail damage, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Money doesn’t grow on trees

In this article, we covered quite a bit of information on how to shop for 2011 Mazda Mazdaspeed 3 insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the lowest car insurance rates are with a small local company.

Budget-conscious 2011 Mazda Mazdaspeed 3 insurance can be found online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide price quotes online and usually these small insurance companies only sell coverage through independent insurance agencies.

When getting insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured dropped full coverage only to regret that the savings was not a smart move. Your focus should be to get the best coverage possible at the best cost while not skimping on critical coverages.

To learn more, link through to the resources below:

Comments About 2011 Mazda Mazdaspeed 3 Insurance

  1. Min Holloway

    From east side of Cincinnati, OH and for me Allstate had the lowest quote. Left The General to switch.

  2. Taisha Maddox

    Live in Baton Rouge, Louisiana. Quoted prices online for a 2011 Mazda Mazdaspeed 3. Ended up at about $130 savings annually. Went with GEICO.

  3. Perry Reilly

    Lifelong resident of Columbus, Georgia. Got car insurance prices from GEICO, AIG Insurance, and some I forget for my Mazdaspeed 3 and saved around $390 a year. Left AIG Insurance to switch.

  4. Eileen Blackwell

    I got a good deal I think. Proud to be from Huntington, WV. Quoted prices from American Family, Farmers, and Mercury for my Mazdaspeed 3 and saved around $260 a year. Insured with American Family before. BTW speeding tickets are not good.

  5. Kristi Taylor

    Just a quick comment on my experience. From a town just southwest of Burlington, VT. Got car insurance prices from American Family, Mercury, and a few others for my Mazdaspeed 3 and saved just over $440 a year.

  6. Heike Hancock

    All companies are crooks. I live just to the east of Bangor, ME. Quoted with Allstate, Eastwood, and Liberty Mutual for my 2011 Mazda Mazdaspeed 3 and I’m now saving $45 a month. Was with American Family. Still almost need a second mortgage.

  7. Ula Ramsey

    Good detail in your article. Quoted with Western Auto Insurance for my 2011 Mazda Mazdaspeed 3 and am saving around $420 a year. I’m a pretty good driver though.

  8. Merry Fitzgerald

    I live in a small town just outside of Fayetteville, AR. I don’t recall every quote but I ended up saving about $50 each month. I have several vehicles insured with them. Not sure about claim service.

  9. Kena Johnson

    Like your site, BTW. I’m just east of Columbia, SC. Can’t remember who all I quoted but I ended up saving about $40 each month. Left AIG Insurance to switch. I think they have home insurance too.

  10. Shonna Reese

    Cheap is not always the best policy. I live just to the north of Detroit, MI. Got free quotes online for a 2011 Mazda Mazdaspeed 3. Ended up at about $440 savings annually. Went with Allstate. Good savings if you bundle. Wish I didn’t have to insure at all.

  11. Carl Madden

    I chose to switch to Progressive from Auto-Owners. I live in Cranston, RI. Was with Amica. I even had a DUI years ago.

  12. Luanna Silva

    Lots of good stuff here. I live in Grand Forks, North Dakota. Quoted a bunch of companies. Saved darn near $30 a month. GEICO was the cheapest for me. Insured with Farmers before. Bought it from an online quote.

  13. Mi Pruitt

    Nice info. I live in a small town just outside of Minneapolis, Minnesota. Got car insurance quotes with Auto-Owners, Eastwood, and Safeco for my Mazdaspeed 3 and cut my rates about $200 a year. Left AIG Insurance to switch. Ask about discounts.