2013 Mazda 3 Insurance Quotes – 6 Policy Discounts

Searching for lower insurance coverage rates for your Mazda 3? If you’re trying to find lower-priced insurance on the web, do you get confused by the wide range of insurance coverage choices? There are so many choices to choose from that it can turn into a difficult mission to find the lowest price.

Pricing the best car insurance coverage is quite easy. Basically, everyone who is shopping for car insurance should be able to lower their premiums. But consumers need to learn the methods companies use to market on the web because it can help you find the best coverage.

The cheapest insurance quotes online

When shopping for low cost insurance coverage quotes, there are a couple of ways of comparing price quotes from many available insurance companies in your state. The easiest way by far to compare rates consists of shopping online. This can be accomplished in a couple of different ways.

1. If you’re in a hurry, the quickest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This style of form eliminates the need for separate forms to each individual insurance company. One form gets coverage cost estimates direct from many companies. It’s definitely the quickest method.
2. A more difficult way to compare prices requires a trip to each company’s website to request a price quote. For examples sake, let’s say you want to see prices from Progressive, 21st Century and American Family. To get each rate you have to visit each site and punch in your information repeatedly, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but be sure to compare equivalent coverages and limits for every company. If your comparisons have different values for each quote you will not be able to determine which company has the best rates. Quoting even small variations in limits can result in a big premium difference. It’s important to know that comparing a wide range of rates increases the change that you will find the best rates. Not every company allows you to get price estimates online, so it’s important to compare price quotes from them, too.

Insurance advertisements

Allstate, Geico and Progressive continually stream television, radio, and online ads. All the ads tend to make the same promise about saving some big amount if you switch your coverage. How is it plausible that every one can lower your premium rates? It’s all in how they say it.

All the different companies quote their best rates for the driver that earns them the most money. One example of a profitable risk profile could possibly be a mature driver, owns their home, and drives newer vehicles. Any customer who fits those characteristics will probably get the lowest car insurance rates and will also save a lot if they switch.

Potential insureds who do not fit these criteria will get higher rates which leads to the customer not buying. The trick companies use is to say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That is how companies can truthfully make those claims.

Because each company has a different risk profile, you really need to get as many free insurance coverage quotes as possible. You cannot predict which insurance companies will have the lowest rate quotes.

Lower rates by qualifying for these six discounts

Not too many consumers would say auto insurance is affordable, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but some need to be requested specifically in order for you to get them.

• Discount for Life Insurance – Insurance carriers who offer life insurance give better prices if you take out a life insurance policy as well.
• Save with a New Car – Buying a new car instead of a used car can get you a discount due to better safety requirements for new model year vehicles.
• Multiple Cars – Purchasing coverage when you have multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
• Mature Driver Discount – If you qualify as a senior citizen, you may receive a small discount on rates for 3 insurance.
• E-sign – Certain larger companies will provide an incentive for buying your policy on the internet.
• Claim Free – Drivers who don’t have accidents have much lower rates in comparison with insureds who have frequent claims or accidents.

As is typical with insurance, many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck.

If you would like to choose from a list of auto insurance companies that offer some of these discounts, follow this link.

Insurance coverage is unique, just like you

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if you might need an agent’s assistance.

• Can I afford low physical damage deductibles?
• What can I do if my company won’t pay a claim?
• Am I covered by my spouse’s policy after a separation?
• Am I covered when pulling a rental trailer?
• Can I get a multi-policy discount?
• Are my friends covered when driving my car?
• Am I covered if my car is in a flood?
• What if I total my 2013 Mazda 3 and owe more than it’s worth?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverage information

Learning about specific coverages of car insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Mazda 3.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This 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 coverage pays for things such as hitting a bird, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, scraping a guard rail, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to people or other property. Liability coverage has 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 values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical expenses, bail bonds, legal defense fees, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses for things like prosthetic devices, dental work, funeral costs, doctor visits and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Quote more. Save more.

Consumers who switch companies do it for a variety of reasons including high rates after DUI convictions, poor customer service, policy cancellation and even policy non-renewal. Whatever your reason, finding a new auto insurance company can be easier than you think.

When shopping online for auto insurance, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.

We just presented many ideas to lower your 2013 Mazda 3 insurance rates. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper insurance coverage. You may even discover the most savings is with a lesser-known regional company.

To read more, feel free to visit the following helpful articles:

• Determing Auto Insurance Rates (Geico)
• What is Covered by GAP Insurance? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)