Lower Your 2011 Mazda Mazda3 Car Insurance Cost

Searching for cheaper car insurance rates for your Mazda Mazda3? No one in their right mind looks forward to buying car insurance, in particular when the cost is too high.

You have so many auto insurance companies to pick from, and although it’s nice to have multiple companies, so many choices can make it hard to find the lowest cost provider.

It’s important to price shop coverage on a regular basis since insurance rates are rarely the same from one policy term to another. Just because you had the best rates on Mazda3 insurance a year ago other companies may now be cheaper. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the best way to get good coverage at a lower rate.

Finding the best rates is quite easy. If you have car insurance now, you should be able to reduce your rates substantially using these techniques. But consumers must learn the way companies price insurance differently.

Comprehensive Insurance Coverage Comparison Quotes

There are several ways to compare rate quotes from different insurance companies. The easiest way to find the cheapest 2011 Mazda Mazda3 insurance 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.

  • Probably the best way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating repetitive form entry to each individual insurance coverage company. Just one form will get you rate comparisons from insurance coverage companies with the best prices.
  • A different way to compare rate quotes requires you to visit each individual company website to complete their respective quote request forms. For example, let’s say you want rates from GEICO, Allstate and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker.

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

However you get your quotes, be sure to compare identical coverages for each price quote. If each company quotes unequal deductibles or liability limits then you won’t be able to find the best deal for your Mazda Mazda3. Quoting even small variations in coverage limits may result in a large different in cost. Just remember that getting more free quotes will increase your chances of finding the best rates.

Take discounts and save

Companies offering auto insurance don’t list all available discounts in an easy-to-find place, so here is a list both well-publicized and the harder-to-find ways to save on insurance coverage.

  • Accident Free – Good drivers with no accidents can save substantially when compared to bad drivers.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Mazda3 insurance than less cautious drivers.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% on Mazda3 insurance.

Consumers should know that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

For a list of providers with the best insurance coverage discounts, click here to view.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Can I afford to buy a different vehicle if my 2011 Mazda Mazda3 is totaled?
  • Should I get collision insurance on every vehicle?
  • I don’t drive much so do I pay less?
  • Is my trailer covered?
  • Am I covered when delivering products for my home-based business?
  • What can I do if my company won’t pay a claim?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Impacting insurance rates for a Mazda Mazda3

It’s important that you understand the different types of things that help determine the price you pay for car insurance. Knowing what determines base rates empowers consumers to make smart changes that could result in big savings.

The following are some of the items used by your company to calculate premiums.

  • Careful drivers pay lower rates – Drivers with clean records have lower premiums than people who have multiple driving citations. Only having one moving violation may increase your cost by as much as thirty percent. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • How many coverages with the same company – Some companies will give a discount to people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to shop around to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
  • Lower miles equals lower premium – The more you drive every year the higher your rates will be. Most companies apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates than those used for commuting. An improperly rated Mazda3 can cost quite a bit. Double check that your car insurance policy is rated on the correct driver usage.
  • Men fork out a little more – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men tend to get into accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high car insurance rates.

Coverages available on your policy

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for X-ray expenses, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mazda Mazda3.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability coverages

Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims such as attorney fees, pain and suffering, structural damage, medical expenses and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed, a broken windshield and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays for damage to your Mazda3 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Be a Smart Shopper

Discount 2011 Mazda Mazda3 insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and most of the time these smaller companies sell through independent agents.

In this article, we presented many ways to shop for insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Progressive and GEICO.

More detailed auto insurance information can be read by following these links: