2013 Mazda Mazdaspeed3 Insurance Quotes – 7 Savings Tips

Trying to find lower insurance rates for your Mazda Mazdaspeed3? Did you come to the realization that you have high-priced insurance? You’re preaching to the choir because many consumers are in the same pinch. Many car insurance companies vie for your business, so it’s not easy to compare every company to discover the definitive best rate

It is always a good idea to check insurance prices yearly because prices are rarely the same from one policy term to another. Just because you had the lowest rates on Mazdaspeed3 insurance last year there may be better deals available now. There are a lot of ways to save on insurance on the internet, but by reading this article, you’re going to learn some guaranteed methods to lower your insurance bill.

These seven discounts can slash insurance rates

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so the list below details some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

  • Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Mazdaspeed3 insurance with select insurance companies.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
  • Discounts for New Vehicles – Insuring a new car can save you some money because new vehicles are generally safer.
  • College Student – Older children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
  • Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
  • Low Mileage – Driving fewer miles could earn substantially lower insurancerates.
  • Accident Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote when compared with accident-prone drivers.

Discounts save money, but please remember that some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts should help reduce the amount you pay for coverage.

Companies and a partial list of their discounts are detailed below.

  • 21st Century may have discounts that include early bird, good student, student driver, driver training, air bags, 55 and older, and automatic seat belts.
  • Progressive policyholders can earn discounts including homeowner, good student, online signing, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
  • State Farm includes discounts for accident-free, Steer Clear safe driver discount, defensive driving training, good student, anti-theft, Drive Safe & Save, and driver’s education.
  • Nationwide offers premium reductions for defensive driving, good student, family plan, multi-policy, anti-theft, and business or organization.
  • Esurance has discounts for emergency road assistance, anti-theft, online quote, homeowner, good student, multi-car, and DriveSense.
  • The Hartford may offer discounts for bundle, anti-theft, air bag, good student, and driver training.

If you need cheaper car insurance quotes, ask every insurance company which credits you are entitled to. Some credits may not apply to policyholders in your area. To see insurers that offer the discounts shown above, click here to view.

The cheapest auto insurance rate quotes online

Getting a cheaper price on 2013 Mazda Mazdaspeed3 insurance is actually easier than you may think. All you need to do is spend a few minutes comparing price quotes from online providers. This is very easy and can be done by using one of the methods below.

  1. The most efficient way to get the best comparison quotes is a comparison rater form click to view form in new window. This method keeps you from doing boring form submissions to each individual auto insurance company. Filling out one form will get you price quotes from auto insurance companies with the best prices.
  2. A different way to analyze rates consists of going to the website for each individual company and fill out their own quote form. For instance, let’s assume you need rates from Auto-Owners, State Farm and Allstate. To do that, you would have to take the time to go to each site and type in your information over and over, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The last way to compare price estimates is to waste gas driving to insurance agents’ offices. The internet reduces the need to sit down with an agent unless you’re the type of person who wants the professional guidance that can only be provided by a licensed insurance agent. Drivers can comparison shop your insurance online but purchase the actual policy in an agency.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverage limits and deductibles for every company. If you use different deductibles then you won’t be able to determine which company has the best rates.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage coverage, there really is no best way to insure your cars. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if you may require specific advice.

  • Does coverage extend to my business vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Why does it cost so much to insure a teen driver?
  • Does insurance cover damages from a DUI accident?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when delivering products for my home-based business?
  • When would I need additional glass coverage?
  • Do I need rental car coverage?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, damage from flooding and hitting a bird. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like pain and suffering, structural damage, medical services and medical expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision protection

Collision insurance pays for damage to your Mazdaspeed3 from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for things like nursing services, funeral costs and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mazda Mazdaspeed3.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Buy online or local, you save

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. In many cases, an accident victim reduced uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.

Budget-conscious 2013 Mazda Mazdaspeed3 insurance can be found online in addition to many insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. Some auto insurance companies do not offer rate quotes online and most of the time these regional carriers sell through independent agents.

We just covered a lot of information how to get a better price on 2013 Mazda Mazdaspeed3 insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive car insurance. You may even find the lowest priced auto insurance comes from a small mutual company. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm, Geico and Nationwide.

Much more information about auto insurance is available below:

Comments About 2013 Mazda Mazdaspeed3 Insurance

  1. Kathlene Hewitt

    I’m in the suburbs of Greensboro, NC. Received quotes from Liberty Mutual, Amica, Nationwide, and a couple others for my Mazda and saved $128 a year. Insured with American Family before. It’s easy to compare rates online now.

  2. Lucia Monroe

    I compared a lot of rate quotes for a 2013 Mazda Mazdaspeed3 in Shreveport, LA. Ended up at roughly $260 every six months with Amica. Hopefully won’t need it. I recommend comparing lots of rates.

  3. Pete Henson

    I think 21st Century has low rates in Kansas. For me anyway.

  4. Ilda Harding

    Mine is so expensive. I live in Juneau, Alaska. Quoted with AIG Insurance, Safeco, and USAA for my Mazda and I’m now saving $60 a month. Left Safeco to switch.

  5. Clora Mullins

    Anyone try to read their policy?

  6. Foster Burgess

    Anyone compare GEICO and State Farm rates in Wichita, KS?

  7. Courtney Wooten

    Lots of good stuff here. Quoted with Encompass for my Mazda and saved around $420 a year. Good multi-policy discounts.

  8. Jeannette Guerra

    From northwest of Worcester, MA. Quoted a bunch of companies. Saved right around $60 a month. 21st Century was the cheapest option for me. Have an at-fault accident tho. Are quotes cheaper online?