View 2007 Mazda Mazda3 Insurance Rates

High-priced insurance can eat up your funds, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to lower your bills every month.

Having so many online and local companies to choose from, it is very difficult to locate the best company.

Take policy discounts and save

Some insurers do not advertise the entire discount list in a way that’s easy to find, so the list below details some of the more common and the harder-to-find credits that you can use to lower your rates.

  • Active Service Discounts – Being deployed in the military may qualify for rate reductions.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.
  • Sign Online – Some insurance companies will give you a small discount just for signing your application over the internet.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for lower premium rates on Mazda3 coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
  • Memberships – Belonging to a qualifying organization can get you a small discount on insurance coverage.
  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company you could save over 10 percent off each policy depending on the company.
  • Discounts for Good Drivers – Drivers without accidents could pay up to 40% less on Mazda3 coverage than less cautious drivers.
  • Discounts for New Vehicles – Adding a new car to your policy can save up to 30% due to better safety requirements for newer models.

A quick disclaimer, most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and their possible discounts are:

  • Geico discounts include good student, multi-policy, driver training, daytime running lights, and federal employee.
  • MetLife offers premium reductions for defensive driver, good student, good driver, multi-policy, claim-free, accident-free
  • State Farm may include discounts for Drive Safe & Save, multiple policy, student away at school, safe vehicle, accident-free, and defensive driving training.
  • Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, good student, online signing, and online quote discount.
  • Mercury Insurance has discounts for type of vehicle, location of vehicle, multi-policy, anti-theft, ease of repair, annual mileage, and multi-car.
  • 21st Century offers discounts for homeowners, 55 and older, theft prevention, student driver, early bird, and automatic seat belts.
  • Allstate has savings for teenSMART discount, senior citizen, eSmart discount, premier plus, safe driver, and auto/life discount.

If you are trying to find affordable insurance coverage quotes, ask each insurance company to give you their best rates. All car insurance discounts may not apply to policyholders in your state. To find insurers that offer multiple discounts, click here.

Quote insurance coverage online

When comparison shopping, there are several ways to compare rate quotes from many different insurance companies. The best way to lower the rate you pay for Mazda Mazda3 insurance is simply to get online rate quotes. This can be done in a couple minutes as outlined below.

  • Hands down the most simple method consumers can analyze rates is a comparison rater form like this one (opens in new window). This style of form saves time by eliminating separate quotes for each price estimate. A single, simple form will get you rate comparisons from insurance coverage companies with the best prices.
  • A less efficient way to get comparison quotes requires a visit to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s assume you want to see prices from Allstate, Farmers and American Family. You would be required to take the time to go to each site to enter the same coverage data repeatedly, which is why the first method is more popular.

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

  • The old school method to comparison shop is driving to local insurance agencies. Doing it all online eliminates this option unless you want the trained advice of an agent trained in personal lines coverage. Drivers can compare online quotes but have a local agent actually write the policy.

However you get your quotes, try to keep exactly the same coverages on every quote you get. If you are comparing higher or lower deductibles you will not be able to make a fair rate comparison. Just slight variations in insurance coverages or limits may result in a large different in cost. And when comparison shopping, obtaining a wide range of quotes helps increase your odds of locating a lower rate.

Which policy gives me the best coverage?

When choosing adequate coverage, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Where can I find DUI or SR-22 insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need medical payments coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 2007 Mazda Mazda3 to commute?
  • Am I covered if hit by an uninsured driver?
  • Is my custom paint covered by insurance?
  • At what point should I drop full coverage?
  • Will filing a claim cost me more?

If you can’t answer these questions, then you may want to think about 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 coverage companies in your area.

Specific coverages for a Mazda Mazda3

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding, a tree branch falling on your vehicle and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance can cover damage that occurs to other’s property or people 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.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, legal defense fees, loss of income, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, X-ray expenses, rehabilitation expenses, ambulance fees and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

In Summary

We’ve covered some good ideas how you can compare 2007 Mazda Mazda3 insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the higher the chance of saving money. Drivers may discover the biggest savings come from a small local company. These companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive and Geico.

A few companies do not provide online price quotes and many times these smaller companies only sell through independent agents. Cost effective 2007 Mazda Mazda3 insurance can be purchased from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates.

Additional information is located at the links below