2018 Mazda 3 Insurance Quotes – 9 Tricks for Best Rates

Finding low-cost auto insurance might seem rather challenging for vehicle owners who are beginners to quoting and buying insurance over the internet. With such a large choice of online companies available, how can you effectively compare every company in order to find better auto insurance prices?

It’s a good idea to compare rates before your next renewal because prices change frequently. Even if you got the best deal for 3 coverage a year ago you can probably find a better premium rate now. Forget all the misinformation about auto insurance because it’s time to teach you the best way to save money, get proper coverage and the best rates.

Finding affordable coverage is easy if you know what you’re doing. Essentially anyone who has to buy insurance stands a good chance to be able to cut their insurance bill. Although drivers do need to know how companies sell online and use this information to your advantage.

How to lower your auto insurance cost

To find the best auto insurance prices, there are several ways to get quotes from auto insurance companies in your area. The easiest way by far to find affordable 2018 Mazda 3 insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed in several different ways.

  1. Hands down the most simple method to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate quotes for every prospective company. In just a few minutes this one form gets insurance cost estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. Another way to compare rate quotes consists of visiting the website of each company and complete a new quote form. For instance, let’s say you want to see prices from Farmers, Liberty Mutual and GMAC. To get rate quotes you would need to navigate to each company’s site to input your insurance information, which is not fast way to get rate quotes.

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

It’s your choice how you get your quotes, but ensure you’re using equivalent deductibles and coverage limits with every price quote. If your comparisons have different data you will not be able to make a fair rate comparison. Even a minor difference in coverage limits may result in large price differences. It’s important to know that comparing more rates from different companies increases the change that you will find better pricing. Not every company allows you to get online quotes, so it’s recommended that you also compare rates from them as well.

The insurance coverage bait and switch

Insurance coverage providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. All the ads make the same claim that people will save if you just switch to their company. How is it possible that every company can charge less that you’re paying now? This is how they do it.

Different companies have strict underwriting profiles for the type of driver that earns them a profit. An example of this type of risk profile might have to be between the ages of 30 and 50, has a clear driving record, and drives a vehicle with a low ISO rating. Any person who fits those characteristics will get very good rates and will most likely save a lot if they switch.

Insureds who fall short of the “perfect” profile will get higher rates which leads to the customer not purchasing. The ads say “people that switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently make claims that they all have the best premium rates. Because of the profiling, you really need to compare price quotes frequently. It is impossible to predict with any certainty which company will have the lowest rate quotes.

Take advantage of every insurance discount

Insuring your fleet can be pricey, but companies offer discounts to reduce the price significantly. Some trigger automatically at the time of quoting, but a few must be asked about prior to receiving the credit.

  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Discount for Home Ownership – Owning a house can save you money because owning a home is proof of financial responsibility.
  • Data Collection Discounts – Insureds that choose to allow their insurance company to track driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Waiver for an Accident – This one isn’t a discount, but companies like GEICO, Allstate and Liberty Mutual will allow you to have one accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
  • Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates for 3 coverage.
  • Paperless Signup – Some insurance companies may give you up to $50 for signing up online.
  • Savings for New Vehicles – Putting insurance on a new car can cost up to 25% less since new vehicles have better safety ratings.
  • Bundle and Save – If you can combine your auto and home policy and place coverage with the same company you may save over 10 percent off each policy depending on the company.

Discounts lower rates, but most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

Auto insurance companies that may offer policyholders these benefits are:

When comparing rates, check with all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be offered on policies in every state. To find providers with the best insurance discounts, click here.

How to know if you need help

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • Does my 2018 Mazda 3 need full coverage?
  • Does my personal policy cover me when driving out-of-state?
  • When should my teen driver be added to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why do I need rental car insurance?
  • What are the best liability limits?
  • What is the rate difference between pleasure use and commuting?
  • Who is covered when they drive my 2018 Mazda 3?
  • Do I need PIP coverage since I have good health insurance?
  • Is my Mazda 3 covered if I use it for business?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage options for a Mazda 3

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, EMT expenses, funeral costs, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance covers damage to your 3 resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Liability insurance

Liability insurance can cover damage that occurs to other’s property or people. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, structural damage and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, fire damage and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

In any little way, save everyday

Some companies don’t offer online price quotes and these smaller companies sell through local independent agents. Budget-conscious 2018 Mazda 3 insurance is available from both online companies and also from your neighborhood agents, so you need to compare both to have the best selection.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. In many cases, someone sacrificed collision coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

In this article, we presented many tips how you can reduce 2018 Mazda 3 insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the best prices are with some of the lesser-known companies.

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Comments About 2018 Mazda 3 Insurance

  1. Desiree Evans

    From north side of Newark, NJ. I quoted with Hanover, AIG Insurance, Sentry, and a couple others for my 2018 Mazda 3 and saved $514 a year. I get lower rates because of my clean driving record. Not sure if rates are cheaper online or not.

  2. Bobbye Horton

    In Bellevue, NE, AIG Insurance had the best rates for my 2018 Mazda 3.

  3. Rebbecca Suarez

    If you don’t have tickets and live around Montgomery, AL, check out State Farm. I saved quite a bit.

  4. Liane Fowler

    Here’s my info. I’m in the west part of Boston, Massachusetts. Got quotes with 21st Century, Auto-Owners, and some I forget for my 3 and am saving around $500 a year. Insured with Travelers before. I have a couple other vehicles on the policy.

  5. Monica Moran

    Just a quick comment on my experience. Got a quote with Eastwood for my 2018 Mazda 3 and am saving around $430 a year. Not sure if rates are cheaper online or through an agent.