Lower Your 2010 Mazda 3 Insurance Quotes

There isn’t a single person who likes having to buy car insurance, especially when they are aware that they are paying too much. With so many online and local companies to choose from, it’s difficult to choose a more affordable company.

It’s a great practice to get comparison quotes before your next renewal because car insurance prices go up and down regularly. Even if you got the best deal for 3 coverage a year ago there is a good chance you can find better rate quotes now. There is a lot of bad information regarding car insurance on the web, but in this article, you’re going to get some tested techniques to quit paying high car insurance rates.

Compare insurance coverage rates

There are several ways to shop for insurance coverage, but some are easier and takes less work. You could waste time talking to insurance companies in your area, or you can stay home and use the internet to get prices fast.

All the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a rated price based on that data. This eliminates the need for form submissions for each company you want a rate for.

To get comparison pricing now click to open in new window.

The only drawback to comparing rates this way is you don’t know exactly which companies you will receive quotes from. If you wish to select individual companies for rate comparison, we have a page of insurance coverage companies in your area. View list of insurance companies.

The approach you take is up to you, just make sure you are using identical coverage information with each company. If your comparisons have higher or lower deductibles it’s impossible to determine the best price for your Mazda 3.

Car insurance policy discounts you can’t miss

Insuring your fleet can be pricey, but there may be some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be manually applied before they will apply.

  • No Charge for an Accident – but some companies like State Farm and Progressive will allow you to have one accident before your rates go up with the catch being you have to be claim-free for a particular time prior to the accident.
  • Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles on a single policy can get a discount for every vehicle.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
  • Organization Discounts – Affiliation with a civic or occupational organization may earn a discount when getting a car insurance quote.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.
  • Theft Deterent – Vehicles with anti-theft systems are stolen with less frequency and will qualify for a discount on a car insurance quote.

Don’t be shocked that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky.

Some of the insurance companies that may offer quotes with most of these discounts include:

If you need lower rates, check with all companies you are considering to apply every possible discount. Some credits may not be available in your area. To view providers that offer discounts, click here.

Six things that determine your insurance premiums

The best way to find cheaper insurance coverage is to take a look at the factors that help calculate insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could result in cheaper rates.

The list below includes just a few of the factors that factor into premiums.

  • No policy lapses lowers insurance coverage rates – Driving your car without having proper coverage is a big no-no and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage could earn you fines and jail time.
  • Policy add-ons may not be needed – There are many additional extra coverages you can purchase on your insurance coverage policy. Things like roadside assistance, towing, and additional equipment coverage may not be needed and are just wasting money. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past remove them and pocket the money.
  • Lower premiums with alarm systems – Selecting a car model with a theft deterrent system can get you a discount on your insurance coverage. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft and help bring rates down.
  • Pay more out-of-pocket – Coverage for physical damage, aka comp and collision, is used to repair damage to your vehicle. Some examples of covered claims are running into the backend of another car, hitting a deer, or theft. Comp and collision deductibles tell how much you are willing to pay if a claim is determined to be covered. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance for 3 coverage.
  • Does your employer raise your premiums? – Occupations like military generalsair traffic controllers and medical professionals are shown to have the highest rates in part from intense work situations and long work hours. On the other hand, jobs like professors, athletes and performers pay the least for 3 coverage.
  • Tickets and citations cost more than a fine – Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Just one chargable violation could increase your next policy renewal by as much as twenty percent. Drivers who have gotten careless violations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state in order to drive a vehicle legally.

Insurance agents can help

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Where can I find high-risk insurance?
  • What happens if I owe more than my 2010 Mazda 3 is worth?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need more liability coverage?
  • Do I need motorclub coverage?
  • Do I really need UM/UIM coverage?
  • Can my babysitter drive my car?
  • How much can I save by bundling my policies?
  • How much underlying liability do I need for an umbrella policy?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Advertising myths

Consumers constantly see and hear ads that promise big savings for switching from companies such as State Farm and Allstate. They all seem to make the same claim about savings if you move to them.

Is it even possible that every company can claim to save you money? Here is how they do it.

Insurance companies require specific criteria for the type of insured that will most likely be profitable. For example, a profitable risk profile could possibly be over the age of 35, has no prior claims, and has great credit. Anyone who matches that profile will probably get the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who do not fit those criteria may be required to pay higher premium rates which results in the customer not purchasing. The trick is to say “drivers that switch” not “everyone that quotes” save money. That’s why insurance companies can confidently make it sound like they have such great rates. This really emphasizes why you should compare price quotes frequently. Because without a comparison, you cannot know which insurance companies will provide the lowest prices.

Coverages available on your insurance policy

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as nursing services, ambulance fees and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for liability

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like loss of income, medical services, pain and suffering, legal defense fees and funeral expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, theft, damage from flooding and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Mazda 3.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This covers damage to your 3 resulting from colliding 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 claims like hitting a mailbox, crashing into a building, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

A fool and his money are soon parted

In this article, we covered many tips how you can save on 2010 Mazda 3 insurance. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding low cost car insurance. You may be surprised to find that the most savings is with a smaller regional carrier. They can often insure niche markets at a lower cost than their larger competitors like Progressive and Geico.

Some companies may not provide online rate quotes regional insurance providers work with independent agents. Cheaper 2010 Mazda 3 insurance is available on the web in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture.

Much more information about insurance coverage can be found at the links below