Cheaper 2016 Mazda 3 Car Insurance Quotes

Looking for lower insurance coverage rates for your Mazda 3? Wish you could get out of an expensive insurance coverage policy? It’s quite common and many consumers feel financially strained by their insurance coverage policy. With so many different company options, it can be impossible to choose the best insurance company.

It’s important to get comparison quotes before your policy renews due to the fact that insurance prices are constantly changing. Even if you think you had the lowest rate on 3 coverage a couple years back you may be paying too much now. You can find a lot of wrong information about insurance coverage online but in just a couple of minutes you can learn some excellent ideas to find cheap insurance coverage.

Quote car insurance online

There are a lot of ways to compare car insurance quotes, but one way is easier and takes less work. You could waste time talking about coverages with agents in your area, or you could use online quoting to achieve your goal.

Most car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote for coverage. This prevents consumers from doing quote requests for each company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to getting quotes like this is you don’t know exactly which insurance companies to receive prices from. If you wish to select from a list of companies to compare prices, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same deductibles and coverage limits for every quote you compare. If you enter differing limits it will be next to impossible to truly determine the lowest rate.

Why you might pay increased rates

An important part of buying insurance is that you know some of the things that go into determining your policy premiums. If you understand what controls the rates you pay, this helps enable you to make changes that can help you get cheaper rates.

The factors shown below are just a few of the factors used by companies to determine prices.

  • Your vocation may affect premiums – Did you know your job can affect your rates? Careers like real estate brokerspolice officers and stock brokers have higher rates than the rest of us due to stressful work requirements and long work hours. On the other hand, jobs like scientists, historians and the unemployed pay the least on 3 coverage.
  • Lower auto insurance rates with theft deterrents – Buying a car with an alarm system can earn a premium discount. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
  • Where you reside factors in – Having an address in less populated areas of the country can be a good thing if you are looking for the lowest rates. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims. Drivers who live in large cities have congested traffic and longer commutes to work. More time behind the wheel means more chances of being involved in an auto accident.
  • Tickets can increase prices – Drivers who don’t get tickets pay less for auto insurance than bad drivers. Even a single speeding ticket can bump up the cost forty percent or more. Drivers unfortunate enough to have serious violations like reckless driving, hit and run or driving under the influence may be required to prove financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Do you know you’re credit history? – Having a good credit rating factor in determining what you pay for auto insurance. Therefore, if your credit score could use some work, you could save money insuring your 2016 Mazda 3 by improving your rating. Drivers who have excellent credit tend to file fewer claims than those with poor credit scores.
  • Additional coverages that may be costing you – Insurance companies have many add-on coverages that may not really be needed when buying auto insurance. Insurance for personal injury protection, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so eliminate them to save money.

Take policy discounts and save

Insurance coverage is easily one of your largest bills, but there could be available discounts that can dramatically reduce your bill. A few discounts will be applied when you get a quote, but a few must be specially asked for in order for you to get them. If you check and find you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

  • Accident Waiver – This isn’t a discount exactly, but some companies like Allstate and GEICO allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Senior Citizens – Drivers over the age of 55 may be able to get better insurance coverage rates on 3 coverage.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts in comparison to drivers with a long claim history.
  • Memberships – Being in a professional or civic organization can get you a small discount when shopping for insurance coverage.
  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings of more than 20%.

Please keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride.

To view insurance companies that provide some of the discounts listed above, follow this link.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • What exactly is covered by my policy?
  • Do I need replacement cost coverage on my 2016 Mazda 3?
  • Where can I find DUI or SR-22 insurance?
  • What if I owe more than I can insure my car for?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to buy high-risk coverage?
  • Do I need more liability coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

The coverage is in the details

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, hitting a bird, a broken windshield, fire damage and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

Liability insurance provides protection from damage that occurs to people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, structural damage, medical services, medical expenses and attorney fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding 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 protects against claims such as colliding with a tree, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses for surgery, nursing services, pain medications, doctor visits and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

A penny saved is a penny earned

You just learned some good ideas how to get a better price on 2016 Mazda 3 insurance. It’s most important to understand that the more you quote insurance coverage, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies. They often have lower rates on specific markets as compared to the big name companies such as Allstate and Progressive.

There are still a few companies who may not have the ability to get a quote online and many times these smaller providers prefer to sell through independent agents. Affordable 2016 Mazda 3 insurance is attainable on the web and with local insurance agents, and you should compare rates from both to get a complete price analysis.

Additional auto insurance information is available at these links:

Comments About 2016 Mazda 3 Insurance

  1. Kristen Russo

    Here’s what I found out. From north side of Rapid City, SD. Quoted quotes with Progressive, AIG Insurance, and some I forget for my Mazda and am saving around $90 a year. Insured with AIG Insurance before. They offer free online rate quotes.

  2. Liane Dean

    Does Allstate do SR22s in Oklahoma?

  3. Jeanene Noel

    I compared a lot of rate quotes for a 2016 Mazda 3 in Manchester, NH. Ended up at right around $450 every six months with Amica. I’m a pretty low risk driver.

  4. Marcus Mccarty

    Live in Allentown, Pennsylvania. Compared quite a few companies. Saved darn near $60 a month. 21st Century was the most affordable for me.

  5. Nydia Stephenson

    I’m in Kansas City, Missouri. Quoted prices online for a 2016 Mazda 3. Ended up at about $390 savings annually. Went with Progressive. Insured with Hartford before.

  6. Marion Eaton

    Does Progressive offer multi-policy discounts?

  7. Glynda Farmer

    Great info, thanks for posting. From Fort Wayne, Indiana. I got free quotes from Progressive, American Family, and some I forget for my Mazda and I’m now saving $15 a month. Was with Farmers.

  8. Jeri Huff

    From northwest of Miami, Florida. Checked online prices for a 2016 Mazda 3. Ended up at about $130 savings annually. Went with State Farm. Insured with Hanover before.

  9. Tomas Cunningham

    I’m in the suburbs of Boston, Massachusetts. Quoted with GEICO, Amica, Farmers, and The General for my 2016 Mazda 3 and I think I am saving around $60 each month. Left GMAC to switch. Hopefully won’t need it.