2007 Mazda Mazdaspeed Mazda3 Car Insurance Quotes – 9 Ideas for Best Rates

Searching for lower car insurance rates for your Mazda Mazdaspeed Mazda3? If you’re trying to find more affordable insurance, are you intimidated by the wide range of car insurance providers? You have so many providers to choose from that it can really be a challenge to find a cheaper company.

Shopping for the cheapest coverage is easy if you know what you’re doing. In a nutshell, every driver who buys car insurance stands a good chance to be able to save money. Nevertheless, car owners must know how big insurance companies market on the web and use this information to your advantage.

Take these nine policy discounts and save

Some insurers don’t always advertise all disounts in an easy-to-find place, so the list below contains some of the more common and the more hidden discounts that you may qualify for.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Mazdaspeed Mazda3 coverage compared to rates paid by drivers with frequent claims.
  • Life Insurance – Some insurance companies give a break if you buy life insurance.
  • Senior Citizen Discount – Mature drivers are able to get reduced rates for Mazdaspeed Mazda3 coverage.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more on medical payment and PIP coverage.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for slightly better prices than normal.
  • Renewal Discounts – A few larger companies give discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for Mazdaspeed Mazda3 coverage depending on your company.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.

Remember that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, you’re out of luck.

A list of companies and a selection of discounts can be read below.

  • State Farm may offer discounts for accident-free, driver’s education, good student, passive restraint, Drive Safe & Save, multiple policy, and multiple autos.
  • Geico includes discounts for defensive driver, multi-policy, anti-theft, military active duty, good student, and driver training.
  • SAFECO discounts include multi-car, anti-theft, bundle discounts, teen safe driver, anti-lock brakes, drive less, and accident prevention training.
  • Farmers Insurance offers discounts for distant student, homeowner, bundle discounts, mature driver, switch companies, and early shopping.
  • AAA may have discounts that include multi-policy, education and occupation, AAA membership discount, multi-car, anti-theft, good student, and good driver.
  • USAA policyholders can earn discounts including family discount, annual mileage, defensive driver, vehicle storage, military installation, and driver training.

When getting a coverage quote, ask all companies you are considering how you can save money. Some discounts listed above may not apply in your area. To see a list of companies that have a full spectrum of discounts, click this link.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions can help discover if you might need an agent’s assistance.

  • Is other people’s property covered if stolen from my vehicle?
  • What is the ISO rating for a 2007 Mazda Mazdaspeed Mazda3?
  • If my pet gets injured in an accident are they covered?
  • What can I do if my company denied a claim?
  • Does my insurance cover my expensive audio equipment?
  • When would I need additional glass coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Smaller companies may have the best rates

Respected companies like State Farm, Geico and Progressive constantly bombard you with ads on TV and radio. All the companies tend to make the same promise that people will save if you move to their company. How can each company lower your premium rates? Just pay attention to how they say it.

Many companies look for specific characteristics for the type of driver that earns them a profit. A good example of this type of insured could be over the age of 45, owns their home, and insures a new vehicle. Any new insured that hits that “sweet spot” is entitled to the best price and therefore will save if they switch.

People who cannot meet the requirements will be quoted a higher rate and ends up with business going elsewhere. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can truthfully lure you into getting a quote.

Because of these techniques, you need to quote coverage with many companies. It’s impossible to know the company that will fit your personal profile best.

Coverages available on your policy

Understanding the coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

This covers damage to your Mazdaspeed Mazda3 resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, hitting a parking meter, crashing into a building, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, vandalism, hail damage and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like structural damage, loss of income, legal defense fees, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mazda Mazdaspeed Mazda3.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like pain medications, nursing services, prosthetic devices, EMT expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Get your money’s worth

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best price and still be able to protect your assets.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, policy non-renewal, an unsatisfactory settlement offer or not issuing a premium refund. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

We just presented quite a bit of information on how to reduce 2007 Mazda Mazdaspeed Mazda3 insurance premium rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the best price on car insurance is with some of the smallest insurance companies.

Even more information is available at these sites: