2008 Mazda Mazdaspeed Mazda3 Insurance Rates – 9 Tips for Cheapest Quotes

Pricey Mazda Mazdaspeed Mazda3 insurance can bottom out your family’s budget and possibly require postponing other expenditures. Comparing rate quotes is a great way to lower your bills every month.

Companies like State Farm and Geico constantly bombard you with ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

It’s important to compare premium rates before your next renewal since rates change quite often. Just because you found the lowest premium rates for Mazdaspeed Mazda3 insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the quickest ways to properly buy coverages while reducing your premium.

Compare free auto insurance rate quotes

There are a variety of methods to shop for auto insurance, but there is one way that is more efficient than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

Most of the larger companies participate in an industry program that allows shoppers to send in one quote, and each company then returns a price quote based on that data. This eliminates the need for quotation requests to every company.

To access this free quoting program, click to open in new window.

One minor caviat to comparing rates this way is you cannot specify which providers you want to price. If you would rather choose from a list of companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you are using the same coverage data on every quote you get. If your comparisons have differing limits it will be nearly impossible to determine the lowest rate for your Mazda Mazdaspeed Mazda3.

Get affordable car insurance with discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that you may not know about. Certain discounts will be applied at the time of quoting, but occassionally some discounts must be asked for prior to getting the savings.

• Auto/Life Discount – If the company offers life insurance, you could get lower prices if you buy life insurance.
• Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
• Defensive Driver – Taking time to complete a safe driver course may get you a small discount and easily pay for the cost of the class.
• Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 25 to 30%.
• Paperwork-free – A handful of larger companies will give a small break for buying your policy on the web.
• Sign Early and Save – Select insurance companies give a discount for signing up early. It could save around 10% when you buy auto insurance online.
• Distant Student – Kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
• Anti-theft System – Vehicles that have factory anti-theft systems help deter theft and earn discounts up to 10% off your auto insurance quote.
• Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for Mazdaspeed Mazda3 insurance with select insurance companies.

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it appears all those discounts means the company will pay you, you’re out of luck.

The best car insurance companies and a partial list of their discounts are outlined below.

• State Farm may have discounts that include Drive Safe & Save, driver’s education, anti-theft, accident-free, student away at school, and Steer Clear safe driver discount.
• Geico offers discounts including seat belt use, emergency military deployment, daytime running lights, multi-vehicle, driver training, defensive driver, and military active duty.
• SAFECO policyholders can earn discounts including bundle discounts, homeowner, accident prevention training, multi-car, anti-lock brakes, and safe driver.
• Farmers Insurance offers premium reductions for teen driver, switch companies, early shopping, alternative fuel, good student, youthful driver, and electronic funds transfer.
• AAA has savings for AAA membership discount, multi-car, anti-theft, education and occupation, and pay-in-full.
• USAA discounts include safe driver, military installation, good student, loyalty savings, defensive driver, new vehicle, and vehicle storage.

When getting a coverage quote, ask each insurance company to give you their best rates. Some of the discounts discussed earlier may not apply to policies in your area.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether your personal situation might need professional guidance.

• Does my 2008 Mazda Mazdaspeed Mazda3 qualify for pleasure use?
• Which is better, split liability limits or combined limits?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I getting all the discounts available?
• Should I put collision coverage on all my vehicles?
• Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Collision coverage protection

This coverage pays for damage to your Mazdaspeed Mazda3 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, rolling your car, colliding with another moving vehicle, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses such as X-ray expenses, funeral costs, pain medications and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your 2008 Mazda Mazdaspeed Mazda3.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from 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 claims such as hitting a deer, damage from a tornado or hurricane and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like medical services, court costs, structural damage and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.