2011 Mazda Mazdaspeed 3 Insurance Quotes – 7 Discounts for Cheaper Rates

Trying to find the cheapest insurance rates for your Mazda Mazdaspeed 3? Are you drained from not being able to scrape enough together to insure your Mazda every month? You’re in the same situation as the majority of other vehicle owners. You have multiple auto insurance companies to choose from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find the lowest rates.

Compare car insurance rates

There are several ways you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance companies in your area, or you could use online quotes to get pricing more quickly.

Many of the larger companies enroll in a system where prospective buyers only type in their quote data once, and each company can give them a price determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

The only drawback to pricing coverage this way is that consumers can’t choose which companies to get quotes from. So if you prefer to pick from a list of companies to compare, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure you’re using exactly the same deductibles and coverage limits on every quote. If each company quotes higher or lower deductibles you can’t possibly make an equal comparison.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Should I carry comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Exactly who is provided coverage by my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need added coverage for expensive stereo equipment?
  • How much can I save by bundling my policies?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your car insurance policy

Knowing the specifics of car insurance can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by car insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses like hospital visits, prosthetic devices, chiropractic care, funeral costs and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism and a broken windshield. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like emergency aid, bail bonds, structural damage, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision coverages – Collision coverage will pay to fix damage to your Mazdaspeed 3 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a 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, driving through your garage door, backing into a parked car, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.