View 2018 Mazda CX-3 Insurance Rates

Looking for the cheapest insurance rates for your Mazda CX-3? Finding low cost insurance may be hard for people who have little experience online price comparisons. With a ridiculous number of insurers available, it can easily turn into a difficult mission to find more affordable prices.

Pricing more affordable protection is easy if you know what you’re doing. In a nutshell, every driver who has to buy car insurance most likely will be able to save money. Although drivers can benefit by having an understanding of the way companies price online insurance and take advantage of how the system works.

Cheapest insurance quotes

Performing a rate comparison can be challenging if you don’t utilize the easiest way. You could spend your day driving to insurance companies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many companies belong to a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote based on the submitted data. This system prevents you from having to do quotation requests to every company.

To find out how much you can save on insurance click here to start a free quote.

The only drawback to getting quotes like this is you cannot specify which insurance companies to receive prices from. So if you want to select from a list of companies to receive pricing from, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just be certain you are entering exactly the same coverage limits for each price quote. If each company quotes unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate. Having just a slight variation in insurance coverages or limits could mean much higher rates. Keep in mind that getting more free quotes increases your odds of finding the best offered rates.

Earn discounts on insurance

Companies that sell car insurance don’t always advertise every discount they offer in a way that’s easy to find, so the following list contains some of the best known and the more hidden discounts that you may qualify for.

  • Military Rewards – Having a deployed family member could qualify you for better rates.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted prices on garaged vehicles.
  • Smart Student Discounts – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Waiver for an Accident – This isn’t a discount exactly, but some insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a specific time period.
  • Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may qualify for discounts as much as 30%.

We need to note that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

A list of companies and a partial list of their discounts are detailed below.

  • State Farm has savings for good student, multiple policy, Steer Clear safe driver discount, driver’s education, passive restraint, anti-theft, and good driver.
  • Esurance may include discounts for defensive driver, emergency road assistance, multi-car, renters, anti-lock brakes, homeowner, and good student.
  • Progressive includes discounts for online signing, online quote discount, multi-vehicle, good student, multi-policy, and continuous coverage.
  • Liberty Mutual offers discounts for good student, multi-car, hybrid vehicle, new move discount, and newly married.
  • Auto-Owners Insurance has discounts for safe vehicle, good student, multiple vehicles, air bags, mature driver, anti-lock brakes, and group or association.
  • GEICO discounts include anti-theft, anti-lock brakes, seat belt use, emergency military deployment, air bags, good student, and five-year accident-free.

When getting free car insurance quotes, it’s a good idea to each company which credits you are entitled to. A few discounts might not be offered on policies everywhere.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions might point out if you might need professional guidance.

  • What is the ISO rating for a 2018 Mazda CX-3?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will I lose any money if I cancel my policy before it expires?
  • Why am I required to get a high-risk car insurance policy?
  • Are my friends covered when driving my car?
  • Do I need replacement cost coverage on my 2018 Mazda CX-3?
  • Does my insurance cover my expensive audio equipment?
  • Should I carry comprehensive and collision coverage?
  • When would I need additional glass coverage?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Smart consumers can cut insurance costs

Part of the auto insurance buying process is learning the rating factors that go into determining your premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that can earn you lower auto insurance prices. Many different elements are used when you quote your car insurance policy. Most are fairly basic like your driving record, but some are more obscure like your vehicle usage or your vehicle rating.

  • Save money with alarms and GPS tracking – Selecting a car model with an alarm system can help bring down rates. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
  • Are you male or female? – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, don’t assume that women are better drivers. Men and women have accidents in similar numbers, but the male of the species have accidents that have higher claims. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are the most expensive to insure and are penalized with high auto insurance rates.
  • Prices increase with policy add-ons – There are many add-on coverages you can purchase if you aren’t careful. Insurance for things like personal injury protection, high-cost glass coverage, and motor club memberships could be just wasting money. They may sound like good ideas at first, but if you have no use for them get rid of them and save.
  • Rates and your address – Residing in areas with lower population can be a good thing when it comes to auto insurance. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. People who live in big cities regularly have traffic congestion and higher rates of accident claims. Spending more time driving means a statistically higher chance of an accident.

Will you really save $397 on auto insurance?

Big name companies like Allstate and Progressive seem to constantly run ads on television and other media. All the companies state the claim about how much you will save after switching to them. It sounds good, but how can they all offer you a better deal? It’s all in how they say it.

Insurance providers are able to cherry pick for the type of driver that earns them the most money. An example of a desirable insured could possibly be a mature driver, has a clear driving record, and has a short commute. Any driver who fits those characteristics will get the preferred car insurance rates and therefore will save a lot of money.

Consumers who fall short of those criteria may receive higher prices which results in the driver buying from a lower-cost company. The ads state “drivers that switch” but not “all drivers who get quotes” save that much money. This is how companies can make those statements.

Because of these techniques, drivers should get a wide range of price quotes. Because you cannot predict which insurance companies will have better premium rates than you’re paying now.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers 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 important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, hitting a bird and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to other people or property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of 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 values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, medical expenses, structural damage, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, doctor visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your CX-3 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

A fool and his money are soon parted

We just covered many tips how you can get a better price on 2018 Mazda CX-3 insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the lowest prices come from some of the smallest insurance companies.

Some insurance companies may not have online price quotes and most of the time these smaller companies only sell through independent insurance agents. Discount 2018 Mazda CX-3 insurance is available online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money.

People who switch companies do it for many reasons like high prices, delays in responding to claim requests, high rates after DUI convictions or even policy non-renewal. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

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Comments About 2018 Mazda CX-3 Insurance

  1. Miki Oconnor

    If you’re a decent driver and live near Portland, ME, check out GEICO. They seem to be cheaper. Insured with Progressive before.

  2. Shena Dotson

    Where can I find cheaper car insurance in Burlington, Vermont?

  3. Jasmine Palmer

    I got a good deal I think. Located in Birmingham, AL. Not sure of all the companies but I ended up saving about $50 each month.

  4. Loni Wheeler

    Located in Columbia, SC. Quoted quotes with Liberty Mutual, Auto-Owners, Mercury, and a couple others for my 2018 Mazda CX-3 and I’m now saving $45 a month. I get multi-vehicle and multi-policy discounts. Hardly afford to drive anymore.