Cheaper 2014 Mazda Mazda3 Car Insurance Quotes

Searching for better insurance coverage rates? Consumers have a choice when looking for affordable Mazda Mazda3 insurance. They can either waste time struggling with agents trying to get quotes or use the internet to compare rates. There is a right way and a wrong way to buy insurance coverage so you’re going to learn the best way to get price quotes on a Mazda and find the best price possible.

Compare free insurance quotes

There are multiple methods to shop for insurance, but one way is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance agencies in your area, or you could use online quoting to get pricing more quickly.

Many of the larger companies belong to an insurance system where prospective buyers enter their policy data once, and each company returns a competitive quote determined by their information. This saves time by eliminating quote forms to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify the companies to get pricing from. So if you want to select from a list of companies to receive pricing from, we have a listing of insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just try to keep nearly identical coverage limits and deductibles on every quote. If you use different limits and deductibles on each one it will be next to impossible to get a fair rate comparison.

Don’t overlook these car insurance discounts

Companies don’t always advertise every discount in an easy-to-find place, so here is a list some of the more common and also the more inconspicuous discounts that you can inquire about if you buy car insurance online. If you do not double check each discount possible, you may be paying too high a price.

  • Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease for Mazda3 coverage with a few car insurance companies.
  • Online Discount – Many larger companies will give a small break just for signing your application on the internet.
  • Student Discounts – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote for Mazda3 coverage than less cautious drivers.
  • Telematics Data – Insureds who allow driving data collection to spy on driving manner by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as they are good drivers.
  • New Car Discount – Insuring a new car can save up to 30% because newer vehicles are generally safer.
  • Life Insurance – Larger companies have lower rates if you buy life insurance from them.

Don’t be shocked that most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride.

A few popular companies and the discounts they provide include:

  • The Hartford offers premium reductions for driver training, defensive driver, bundle, good student, and vehicle fuel type.
  • American Family discounts include good driver, defensive driver, multi-vehicle, mySafetyValet, accident-free, Steer into Savings, and good student.
  • Progressive may offer discounts for multi-vehicle, multi-policy, good student, online signing, homeowner, and continuous coverage.
  • Travelers policyholders can earn discounts including multi-policy, multi-car, IntelliDrive, hybrid/electric vehicle, and continuous insurance.
  • Farmers Insurance offers discounts for pay in full, distant student, mature driver, early shopping, homeowner, and electronic funds transfer.
  • USAA includes discounts for good student, family discount, military installation, defensive driver, new vehicle, and loyalty savings.
  • Liberty Mutual has savings for newly married, new graduate, new move discount, exclusive group savings, preferred payment discount, multi-policy, and newly retired.

When comparing rates, check with every insurance company which discounts you qualify for. Depending on the company, some discounts may not be available in your area. To view car insurance companies that offer many of these discounts, click here.

When to get professional advice

When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Is my ex-spouse still covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I have a commercial auto policy?
  • Am I covered when pulling a rental trailer?
  • Do I pay less for low miles?
  • What is high-risk coverage and where do I buy it?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Find cheaper insurance coverage with these tips

Many factors are part of the equation when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other criteria are more obscure such as your credit history or your commute time.

The following are a partial list of the pieces used by companies to determine your prices.

  • Annual mileage impacts prices – Driving more miles each year the more you’ll pay to insure it. The majority of insurers charge to insure your cars based upon how the vehicle is primarily used. Vehicles left parked in the garage qualify for better rates than those used for commuting. It’s a smart idea to ensure your policy is rated on how each vehicle is driven. Having an incorrect usage rating on your Mazda3 may be wasting your money.
  • How credit history affects insurance coverage rates – Credit rating is a large factor in determining what you pay for insurance coverage. Consumers who have very high credit ratings tend to file fewer claims and have better driving records than those with lower ratings. If your credit history leaves room for improvement, you could potentially save money when insuring your 2014 Mazda Mazda3 by repairing your credit.
  • Raising coverage deductibles saves money – Physical damage protection, also known as collision and other-than-collision, insures against damage to your Mazda. A few examples of covered claims are a windshield shattered by a rock, damage caused by hail, and windstorm damage. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if you file a covered claim. The larger the amount you’re willing to pay, the less money you will pay for insurance coverage for Mazda3 coverage.
  • Getting married can save on insurance coverage – Your spouse actually saves money on your insurance coverage bill. It generally demonstrates drivers are more financially stable and insurance companies like that married drivers tend to file fewer claims.
  • Driving citations will cost you – Getting just one driving citation can boost insurance rates twenty percent or more. Careful drivers pay lower auto insurance prices than bad drivers. Drivers who get flagrant violations such as DUI or reckless driving may find that they have to to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Insure car and home with the same company – Most companies will award lower prices for people who carry more than one policy such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. Even with this discount applied, it’s still a good idea to compare other insurance prices to confirm you are receiving the best rates possible.

Specifics of your auto insurance policy

Having a good grasp of auto insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays for damage to your Mazda3 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2014 Mazda Mazda3.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability

This coverage can cover injuries or damage you cause to people or other property. This coverage protects you from claims by other people, and does not provide coverage for 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 liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as repair costs for stationary objects, court costs, pain and suffering and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, hitting a bird, theft, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Never pay more for less

Cost effective 2014 Mazda Mazda3 insurance is available on the web and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these regional insurance providers prefer to sell through independent agencies.

Consumers change insurance companies for any number of reasons including poor customer service, policy cancellation, being labeled a high risk driver and even lack of trust in their agent. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.

We’ve covered a lot of information how to reduce 2014 Mazda Mazda3 insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with a small local company.

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