2006 Mazda 3 Car Insurance Quotes – 8 Ways to Save

Do you get exhausted from paying out the nose to insure your Mazda every month? You are no different than the majority of other people.

People have multiple insurers to purchase coverage from, and although it’s a good thing to have a choice, more choices can make it harder to adequately compare rates.

Buying affordable protection is not that difficult. Basically, every driver who has to buy auto insurance will more than likely be able to find better rates. Although consumers need to have an understanding of the methods companies use to determine prices and use this information to your advantage.

Take advantage of every car insurance discount

Car insurance companies don’t necessarily list their entire list of discounts in a way that’s easy to find, so the below list has a few of the more common as well as some of the hidden discounts that you may qualify for.

  • Onboard Data Collection – Drivers that enable their car insurance company to look at driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
  • Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home requires a higher level of personal finance.
  • Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more on 3 insurance than their less cautious counterparts.
  • Auto/Home Discount – If you can combine your home and auto policy and insure them with the same company you may earn up to 20% off your total premium.
  • Driver Safety – Successfully completing a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
  • Low Mileage Discounts – Fewer annual miles on your Mazda could qualify for substantially lower car insurancerates.
  • Active Service Discounts – Being on active deployment in the military could qualify you for better car insurance rates.
  • Senior Discount – Mature drivers can possibly qualify for a small discount on rates on 3 insurance.

Just know that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. But any discount will bring down the amount you pay for coverage.

Large car insurance companies and some of their more popular discounts are shown below.

  • Geico may offer discounts for daytime running lights, multi-vehicle, air bags, seat belt use, multi-policy, and military active duty.
  • SAFECO offers discounts including teen safe driver, multi-car, bundle discounts, homeowner, and accident prevention training.
  • State Farm offers premium reductions for good student, good driver, defensive driving training, multiple autos, accident-free, driver’s education, and student away at school.
  • MetLife may have discounts that include accident-free, multi-policy, good student, claim-free, and defensive driver.
  • 21st Century offers discounts for anti-lock brakes, driver training, teen driver, defensive driver, air bags, homeowners, and early bird.
  • Progressive may include discounts for homeowner, multi-policy, online quote discount, online signing, and continuous coverage.

Before buying, ask each insurance company which discounts they offer. Some credits might not be available to policyholders in your state. To locate companies who offer cheap car insurance quotes, click this link.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you would benefit from professional advice.

  • What is the ISO rating for a 2006 Mazda 3?
  • Is business property covered if stolen from my car?
  • Is my nanny covered when driving my vehicle?
  • Does my insurance cover a custom paint job?
  • Is my cargo covered for damage or theft?
  • Who is covered by my policy?
  • Is my 2006 Mazda 3 covered for flood damage?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

But they said I’d save $465 a year!

Car insurance companies such as 21st Century, Allstate and State Farm seem to constantly run ads in print and on television. They all seem to say the same thing that people will save if you get a free auto insurance quote and switch your coverage to them. How does every company charge lower premium rates?

All the different companies look for specific characteristics for the type of customer that makes them money. An example of this type of driver might have to be between 25 and 40, carries high limits, and drives a vehicle with a low ISO rating. A propective insured that matches those criteria will most likely get cheap auto insurance rates and will most likely pay quite a bit less when switching companies.

Consumers who fall outside the requirements may be required to pay higher premiums which translates to business going elsewhere. The wording the ads use say “customers who switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can make it sound like they have such great premium rates.

Different companies use different criteria so you really should compare many company’s premium rates. It is impossible to guess which insurance companies will have the best auto insurance rates for your profile.

Car insurance coverage options for a 2006 Mazda 3

Learning about specific coverages of your car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most car insurance policies.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability coverages – Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, emergency aid, legal defense fees, attorney fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, rock chips in glass, hail damage, fire damage and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP pay for bills for things like chiropractic care, nursing services, pain medications and dental work. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Summing up your insurance search

You just learned some good ideas how you can save on 2006 Mazda 3 insurance. The key thing to remember is the more you quote auto insurance, the better likelihood of getting affordable auto insurance. You may be surprised to find that the lowest premium rates are with a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

Lower-priced 2006 Mazda 3 insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide online rate quotes and most of the time these regional insurance providers only sell through independent agencies.

More detailed insurance information is available in the articles below: