2013 Mazda Mazdaspeed 3 Insurance Cost – 6 Policy Discounts

Shoppers have lots of choices when shopping for affordable Mazda Mazdaspeed 3 insurance. They can either waste time contacting agents getting price quotes or save time using the internet to compare rates. There is a better way to shop for auto insurance and we’ll show you the quickest way to quote coverages on a Mazda and locate the best price possible from local insurance agents and online providers.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Drivers just need to know the tricks to compare rates online.

How much is insurance?

There are a variety of methods to compare insurance prices and some are easier and takes less work. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use the web to achieve your goal.

All the larger companies participate in a marketplace where insurance shoppers enter their policy data once, and each participating company returns a rated price for coverage. This prevents consumers from doing quote requests for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to doing it this way is you can’t choose the insurers you will receive quotes from. If you would rather choose individual companies for rate comparison, we put together a list of insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare apples-to-apples coverage data for every company. If the quotes have unequal deductibles or liability limits you will not be able to make a fair comparison for your Mazda Mazdaspeed 3.

These six discounts can lower your auto insurance rates

Some insurers don’t always list every disount available very well, so below is a list a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

• Homeowners Pay Less – Owning a house may trigger a policy discount on auto insurance because maintaining a house means you have a higher level of financial diligence.
• Low Mileage – Low mileage vehicles could be rewarded with discounted auto insurancerates on garaged vehicles.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
• Use Seat Belts – Drivers who require all vehicle occupants to buckle up can save a little on the premium charged for medical payments and/or PIP.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
• Life Insurance – Some companies give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

Larger auto insurance companies and a selection of discounts are:

• State Farm may offer discounts for multiple policy, Steer Clear safe driver discount, student away at school, Drive Safe & Save, and good driver.
• Geico policyholders can earn discounts including driver training, emergency military deployment, defensive driver, seat belt use, five-year accident-free, military active duty, and good student.
• Progressive includes discounts for online signing, multi-vehicle, good student, multi-policy, homeowner, and continuous coverage.
• 21st Century offers premium reductions for air bags, teen driver, student driver, 55 and older, automatic seat belts, and anti-lock brakes.
• American Family has savings for good driver, air bags, Steer into Savings, bundled insurance, and accident-free.
• The Hartford discounts include air bag, defensive driver, driver training, vehicle fuel type, good student, and anti-theft.
• AAA offers discounts for multi-policy, pay-in-full, good student, multi-car, good driver, and education and occupation.

Before you buy a policy, ask every company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in your area.

Different people need different insurance coverages

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether you will benefit from professional help.

• What exactly is covered by my policy?
• Does having multiple vehicles earn me a discount?
• Do I need added coverage for expensive stereo equipment?
• Do I pay less for low miles?
• Why am I required to get a high-risk car insurance policy?
• How much liability do I need to cover my assets?
• How much can I save by bundling my policies?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Do drivers who switch really save?

Consumers can’t get away from all the ads that promise big savings for switching from companies such as State Farm, Allstate and Geico. All the ads make the same claim that drivers will save a bundle just by switching your policy.

How does every insurance company save you money? Here is how they do it.

Most companies have a certain “appetite” for the driver that will generate a profit. A good example of a desirable insured might be between 25 and 40, carries full coverage, and does not commute to work. Anyone that fits those parameters may get the lowest rates and as a result will probably cut their rates substantially.

Consumers who may not quite match these standards will have to pay more expensive rates which usually ends up with business not being written. The ad wording is “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. This is how companies can make claims that they all have the best premium rates. This really emphasizes why it’s extremely important to compare price quotes frequently. It’s just not possible to know which insurance companies will give you lower car insurance rates than your current company.

Car insurance coverages for a 2013 Mazda Mazdaspeed 3

Having a good grasp of your car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision – Collision coverage covers damage to your Mazdaspeed 3 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, backing into a parked car, sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance – This provides protection from damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as attorney fees, legal defense fees, funeral expenses, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as EMT expenses, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, theft, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Never pay more for less

We covered many ideas to save on 2013 Mazda Mazdaspeed 3 insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest car insurance rates are with the least-expected company.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured dropped liability coverage limits and found out when filing a claim that it was a big error on their part. The ultimate goal is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

Lower-priced 2013 Mazda Mazdaspeed 3 insurance is available on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies do not provide online rate quotes and these smaller providers only sell coverage through local independent agencies.

Additional detailed information can be found by following these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Information for Teen Drivers (Geico)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)