Cheap 2012 Mazda 3 Car Insurance Rates

Searching for better insurance rates for your Mazda 3? Having to pay for overpriced insurance can sap your bank account and force you to cut corners elsewhere.

Due to the increasing number of companies and agents to choose from, it is hard for the average consumer to choose a more affordable insurance provider.

The best way to compare rate quotes is to know all the major auto insurance companies participate in a system to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including if you have an active license, types of safety features, marital status, and if you went to college. The rating information is instantly sent to insurance carriers in your area and they return cost estimate very quickly.

Double check you’re getting these discounts

The cost of insuring your cars can be expensive, but you may find discounts that may help make it more affordable. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Own a Home and Save – Just owning your own home can help you save on car insurance because maintaining a house requires a higher level of personal finance.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for 3 coverage with certain companies.
  • Save with a New Car – Insuring a new car can be considerably cheaper since new model year vehicles have better safety ratings.
  • Military Rewards – Being on active deployment in the military could be rewarded with lower rates.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get a small discount on rates for 3 coverage.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

For a list of insurance companies that offer discounts, click this link.

Special considerations

When choosing coverage, there is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • Which is better, split liability limits or combined limits?
  • What if I owe more than I can insure my car for?
  • What is an SR-22 filing?
  • When should I remove comp and collision on my 2012 Mazda 3?
  • Do I need more liability coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need replacement cost coverage on my 2012 Mazda 3?
  • At what point should I drop full coverage?
  • When would I need rental car insurance?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance prices are influenced by these factors

Many things are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but others are less obvious such as your marital status or your vehicle rating.When buying car insurance it’s important to understand some of the elements that aid in calculating your car insurance rates. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that can help you get better car insurance rates.

The factors shown below are a few of the things used by your company to calculate rates.

  • Pay more if you have a long commute – Being located in smaller towns and rural areas of the country is a positive aspect when talking about car insurance. People in densly populated areas regularly have traffic congestion and a longer drive to work. Fewer drivers means reduced accidents.
  • Males pay higher prices – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. They both get in accidents at a similar rate, but men tend to have higher claims. Not only that, but men also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident so they pay the highest premiums.
  • Never let your car insurance policy lapse – Allowing your car insurance policy to lapse is a guaranteed way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance can result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Drive lots and pay more – The more you drive each year the more you’ll pay to insure your vehicle. Many insurance companies calculate rates based on how the vehicle is used. Autos that sit idle most of the time get more affordable rates than those that get driven frequently. Improper usage on your 3 can cost quite a bit. It’s always a good idea to double check that your vehicle rating properly reflects the right rating data, because it can save money.
  • How old are your drivers? – Inexperience drivers are proven to be inattentive and easily distracted when driving so they pay higher car insurance rates. More mature drivers have been proven to be more responsible, cause fewer claims and accidents , and are generally more financially stable.
  • Prevent your car from being stolen – Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
  • Liability – Liability insurance will provide protection in the event that a court rules you are at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Don’t get traffic citations – Just one driving citation can increase the cost of insurance by as much as twenty percent. Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Drivers with severe citations such as DUI, reckless driving or excessive speeding may need to maintain a SR-22 to the state department of motor vehicles in order to keep their license.

Save $438 a year! What?

Well-known insurance companies like State Farm and Allstate consistently run ads in print and on television. They all state the claim that drivers will save a bundle after switching your policy. How does each company save you money? You have to listen carefully.

Many companies quote their best rates for the driver they prefer to insure. An example of a profitable customer could possibly be between the ages of 30 and 50, has had continuous coverage, and has great credit. A customer who meets those qualifications will probably get the lowest rates and is almost guaranteed to save money with a new company.

Consumers who are not a match for those standards may receive higher rates with the end result being business not being written. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can confidently make those claims. Different companies use different criteria so drivers must compare many company’s car insurance rates. It is impossible to guess with any certainty which company will give you lower rates than your current company.

Car insurance coverage information

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a tree branch falling on your vehicle, damage from getting keyed and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – This covers damage to your 3 resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, colliding with a tree, hitting a mailbox, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Mazda 3.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability coverages – This coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills like prosthetic devices, chiropractic care, dental work and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

And the best car insurance company is…

Affordable 2012 Mazda 3 insurance can be bought online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide online price quotes and many times these small insurance companies only sell coverage through independent insurance agents.

Throughout this article, we presented a lot of tips how to save on 2012 Mazda 3 insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your prices. Consumers may even find the best premium rates are with a small local company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

For more information, feel free to browse the following helpful articles:

Comments About 2012 Mazda 3 Insurance

  1. Bess Hester

    Nice info. I’m just east of Norman, OK. Got rates from State Farm, Hartford, and Encompass for my Mazda and saved $352 a year.

  2. Israel Simpson

    Good site, thanks. Checking in from Gaithersburg, Maryland. Quoted with GMAC, AAA, Mercury, and a couple others for my Mazda and saved $532 a year. Switched homeowners coverage too.

  3. Katia Rosa

    Great info, thanks for posting. From northwest of Albuquerque, NM. I don’t recall every quote but I ended up saving about $30 each month. Was with Encompass. You can get a rate quote online.

  4. Angla Sellers

    21st Century was cheapest for my 2012 Mazda 3 in Kansas City, MO.

  5. Paula West

    Anyone try to read their policy?

  6. Susy Caldwell

    Are custom wheels covered by insurance?

  7. Felton Hale

    I found pretty cheap rate quotes for a 2012 Mazda 3 in Green Bay, WI. Ended up at right around $230 every six months with AIG Insurance. Was with American Family. Thankfully I’m not a high risk driver. Online quotes are the way to go.

  8. Andrea Barker

    Cheap is relative. I’m in the north part of Cincinnati, Ohio. Not sure of all the companies but I ended up saving about $60 each month. Was with Amica. It’s easy to compare rates online now.

  9. Marisol Wilkins

    Any 21st Century or Farmers customers near Kansas City, MO?

  10. Verona Ware

    Does North Carolina have minimum liability requirements?

  11. Ruthie Underwood

    Hope my rates come down. From south side of Louisville, Kentucky. Received prices from 21st Century, Hanover, and Eastwood for my 3 and saved around $470 a year.

  12. Chauncey Gould

    I drive uninsured.

  13. Pa Chambers

    If you don’t have tickets and live in the vicinity of Louisville, Kentucky, check out Allstate. I saved quite a bit. Teenage drivers are expensive! They have free quotes online.

  14. Adria Durham

    Not sure what I should be paying. I live just to the south of Baltimore, Maryland. Quoted rates from Amica, Encompass, and Safeco for my Mazda and saved about $260 a year. Good savings if you bundle. I recommend comparing lots of rates.

  15. Stepanie Thomas

    I found pretty cheap rate quotes for a 2012 Mazda 3 in Los Angeles, CA. Ended up at about $330 every six months with AIG Insurance. Got better coverage too. :)