Cheaper 2013 Mazda 3 Insurance Rates

Trying to find lower insurance coverage rates for your Mazda 3? Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Companies like State Farm, Geico and Farmers Insurance persitently shower you with catchy ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

How to shop auto insurance online

There are a lot of ways to shop for auto insurance, but there is one way that is easier and takes less work. You can waste a lot of time talking about coverages with agents in your area, or you could save time and use online quotes to quickly compare rates.

All the larger companies enroll in a system where insurance shoppers send in one quote, and each company then returns a price quote for coverage. This saves time by eliminating form submissions for each company you want a rate for. To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of form is that you can’t choose which companies you want to price. So if you want to select specific providers to compare prices, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare identical coverages and limits on every price quote you get. If you use different coverage information you will not be able to make a fair rate comparison. Just a small difference in insurance coverages may result in large price differences. Keep in mind that comparing more rates from different companies helps you find the best rates.

Insurance policy discounts you can’t miss

Car insurance can cost a lot, but you might be missing out on some discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but once in a while a discount must be inquired about prior to receiving the credit.

Discount for Swiching Early – Some insurance companies provide a discount for switching to them prior to your current policy expiring. This discount can save up to 10%.
Telematics Discount – Drivers who elect to allow data collection to scrutinize driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.
Pay Early and Save – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
Smart Student Discounts – Getting good grades may save as much as 25% on a car insurance quote. Earning this discount can benefit you well after school through age 25.
Accident Forgiveness – This one is not really a discount per se, but some insurance companies will forgive one accident without getting socked with a rate hike if your claims history is clear prior to the accident.
Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and will save you 10% or more.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you could get a free insurance policy, you won’t be that lucky.

Large insurance companies and some of the discounts are outlined below.

State Farm may include discounts for accident-free, student away at school, Steer Clear safe driver discount, good student, Drive Safe & Save, defensive driving training, and multiple autos.
Progressive offers discounts including good student, multi-vehicle, multi-policy, online signing, and online quote discount.
Progressive offers premium reductions for homeowner, online signing, multi-policy, continuous coverage, good student, online quote discount, and multi-vehicle.
MetLife policyholders can earn discounts including multi-policy, good driver, defensive driver, claim-free, and accident-free.
Farm Bureau has savings for renewal discount, 55 and retired, good student, safe driver, multi-policy, multi-vehicle, and youthful driver.
Geico offers discounts for seat belt use, anti-lock brakes, good student, daytime running lights, and federal employee.
SAFECO has discounts for safe driver, multi-car, teen safety rewards, homeowner, drive less, teen safe driver, and bundle discounts.

When comparing rates, check with every company how you can save money. Some discounts listed above might not be offered on policies in every state.

Insurance agents can help

When buying the best insurance coverage coverage, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

Is my teen driver covered when they drive my company car?
Does insurance cover tools stolen from my truck?
Am I better off with higher deductibles on my 2013 Mazda 3?
Can I drive in Mexico and have coverage?
What is covered by UM/UIM coverage?
Why is insurance for a teen driver so high?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Knowing the specifics of insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills like X-ray expenses, doctor visits, EMT expenses and pain medications. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda 3.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, attorney fees, bail bonds, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hitting a bird, damage from flooding, damage from a tornado or hurricane and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, colliding with another moving vehicle, driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.