2015 Mazda 3 Insurance Quotes

Have you fallen victim to an expensive car insurance policy? It’s quite common and there are many drivers thinking the same thing.

Big companies like Progressive, State Farm and Geico increase brand awareness with ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

The cheapest insurance rate quotes

There are several ways of comparing rate quotes from many different insurance companies. The best method to compare rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

1. The recommended way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating separate quotes for each price estimate. Just one form will get you rate comparisons from multiple companies.
2. A more difficult way to get comparison quotes is to take the time to go to each company’s website and go through the quote process again. For examples sake, we’ll assume you want to see prices from Geico, Safeco and GMAC. You would need to spend time on each company’s site and repeatedly enter your information, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

3. If you have time to kill, the last method of getting rate comparisons is physically going to local insurance agencies. Comparing online rate quotes eliminates the middleman unless you have a complicated situation and need the professional abilities that only a licensed agent can provide. However, consumers can price shop online but still have the advice of a local agent.

The method you choose is up to you, but make absolute certain that you use apples-to-apples coverage information for each comparison quote. If your comparisons have different liability limits it’s impossible to determine the lowest rate for your Mazda 3. Just a small difference in coverage limits can make a big difference in price. Just remember that comparing more quotes provides better odds of finding better pricing.

Don’t be fooled by advertising claims

Car insurance providers like Allstate, Geico and Progressive endlessly run ads on TV and radio. All the ads state the claim about how much you will save if you get a free auto insurance quote and switch your coverage. But how can every company charge you a lower premium? You have to listen carefully.

Most companies look for specific characteristics for the driver that earns them the highest profit. For example, this type of insured might be described as a mature driver, has a clear driving record, and drives a vehicle with a low ISO rating. Anyone who fits those characteristics will get the preferred prices and will save when they switch companies.

Consumers who cannot meet these standards will probably be forced to pay more expensive rates and the customer not purchasing. The trick is to say “people who switch” but not “all drivers who get quotes” save money. That is how insurance companies can claim big savings. This really drives home the point why it is so important to get as many free auto insurance quotes as possible. It’s not possible to predict which car insurance company will have the best prices.

What determines Mazda 3 insurance costs?

Lots of things are taken into consideration when you get your auto insurance bill. Some are obvious such as your driving record, but other criteria are not quite as obvious such as your marital status and annual miles driven.

• Your stress level may be raising your insurance rates – Do you work in a high-stress field? Occupations such as doctorsairline pilots and stock brokers usually pay higher premiums than the average policyholder due to intense work requirements and lots of time spent at work. Other careers such as scientists, engineers and retirees have lower than average premiums for 3 coverage.
• Alarms and GPS tracking lowers insurance rates – Choosing a vehicle with an alarm system can get you a discount on your insurance. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
• What’s your car’s NHTSA crash test rating? – Cars with high safety ratings can get you lower premiums. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means your insurance company pays less and thus lower rates. If your Mazda 3 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
• Too many policy claims drive up rates – If you are a frequent claim filer, you can look forward to increased rates or even have your policy non-renewed. Insurance companies generally give lower rates to insureds who are claim-free. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
• Tickets will cost you – Good drivers receive lower rates compared to drivers with tickets. Even one speeding ticket can increase rates by as much as thirty percent. Drivers unfortunate enough to have careless violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state in order to continue driving.
• Lower physical damage deductibles cost more – Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your Mazda. Some examples of claims that would be covered are a windshield shattered by a rock, hail damage, and damage caused by flying debris. The deductibles you choose represent how much money you are willing to pay out-of-pocket if a claim is determined to be covered. The more you are required to pay out-of-pocket, the better rate you will receive for 3 coverage.
• Does car insurance cost more for men? – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean females are better drivers. Females and males cause accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Men also statistically get higher numbers of serious violations like driving under the influence (DUI).

Get lower rates with these discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that can dramatically reduce your bill. Certain credits will be shown at quote time, but less common discounts must be requested specifically before you get the savings. If they aren’t giving you every credit available, you’re paying more than you need to.

• Good Grades Discount – This discount can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
• Military Rewards – Being deployed with a military unit could be rewarded with lower rates.
• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control can avoid accidents and will save you 10% or more.
• Homeowners Pay Less – Simply owning a home can save a few bucks because maintaining a house demonstrates responsibility.
• Low Mileage Discounts – Low mileage vehicles can earn lower prices on the low mileage vehicles.
• Payment Discounts – By paying your policy upfront as opposed to paying monthly you could save 5% or more.

We need to note that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

A few companies who may offer most of these discounts include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

If you want affordable auto insurance quotes, ask every company which discounts can lower your rates. Some of the discounts discussed earlier might not apply everywhere.

Insurance coverage can be complex

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if you might need an agent’s assistance.

• Is my cargo covered for damage or theft?
• Do I need medical payments coverage since I have good health insurance?
• What if I owe more than I can insure my car for?
• Is my Mazda 3 covered if I use it for business?
• Will I lose any money if I cancel my policy before it expires?
• Is pleasure use cheaper than using my 2015 Mazda 3 to commute?
• How much liability coverage do I need in my state?
• Are all vehicle passengers covered by medical payments coverage?
• Who is covered when they drive my 2015 Mazda 3?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Liability insurance

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like repair costs for stationary objects, pain and suffering, medical expenses, bail bonds and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

This pays for damage to your 3 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, a broken windshield, hail damage, vandalism and rock chips in glass. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Mazda 3.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as funeral costs, EMT expenses, ambulance fees, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Pennies from heaven

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your objective should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

Discount 2015 Mazda 3 insurance is definitely available both online in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. Some insurance coverage companies may not have the ability to get a quote online and these smaller companies provide coverage only through independent insurance agencies.

To learn more, feel free to visit the articles below:

• What is Full Coverage? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)