2015 Mazda 3 Insurance Quotes

Have you finally had enough of scraping the payment together to pay car insurance each month? You are no different than the majority of other drivers. Companies like Geico, Progressive and Allstate continually bombard you with ads and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

How to get affordable insurance

Finding a lower price on 2015 Mazda 3 insurance is a great way to save money. All you need to do is spend a few minutes getting comparison quotes from some recommended companies. It’s super easy and can be done in several different ways.

  1. One of the best ways to get quotes would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating multiple quote forms for each company. One simple form gets rate comparisons from insurance companies with the best prices.
  2. A harder way to analyze rates is going to each company website and repeat the quote process again and again. For examples sake, let’s assume you are doing a rate comparison from USAA, Progressive and State Farm. In order to compare rates, you need to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The old school way to comparison shop rate quotes is physically going to different agent offices. Comparing online rate quotes reduces the need to sit down with an agent unless you require the professional guidance that only an agent can give. It is possible with some companies price shop your coverage online but still have the advice of a local agent.

It doesn’t matter which method you choose, just compare the exact same coverages on every quote you get. If you are comparing different data it’s impossible to determine the best price for your Mazda 3.

Find discounts on insurance

Companies offering auto insurance do not list the complete list of policy discounts in a way that’s easy to find, so below is a list some of the best known and the more hidden discounts that may be available. If you don’t get every credit you deserve, you may be paying too high a price.

  • More Vehicles More Savings – Insuring primary and secondary vehicles on a single policy qualifies for this discount.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Geico, Progressive, and Allstate will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
  • Telematics Data – Drivers that enable companies to study driving patterns remotely such as State Farm’s In-Drive may see discounts if they are good drivers.
  • Senior Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates for 3 coverage.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
  • College Student Discount – who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.

You should keep in mind that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

A few of the larger companies and a selection of discounts can be found below.

  • Geico offers premium reductions for daytime running lights, good student, five-year accident-free, seat belt use, federal employee, and air bags.
  • MetLife may offer discounts for good driver, defensive driver, multi-policy, claim-free, good student, and accident-free.
  • Progressive discounts include homeowner, good student, multi-vehicle, online signing, and multi-policy.
  • Travelers may have discounts that include hybrid/electric vehicle, save driver, multi-policy, driver training, and student away at school.
  • SAFECO includes discounts for safe driver, anti-theft, multi-car, teen safe driver, and teen safety rewards.
  • AAA policyholders can earn discounts including good student, AAA membership discount, pay-in-full, multi-policy, good driver, anti-theft, and education and occupation.

When quoting, ask every company to give you their best rates. Some credits may not be offered in every state. If you would like to see a list of insurance companies with discount rates, click this link.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • What if I owe more than I can insure my car for?
  • What is high-risk coverage and where do I buy it?
  • Is my teenager covered with friends in the car?
  • Why does it cost so much to insure a teen driver?
  • Do I need roadside assistance coverage?
  • When should I drop full coverage on my 2015 Mazda 3?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

How insurance companies determine Mazda 3 insurance premiums

Many factors are considered when you get a price on insurance. Some are obvious like your driving record, but some are not as apparent such as your marital status or your commute time.When buying insurance it’s important to understand some of the factors that are used to determine your premiums. If you understand what determines base rates, this helps enable you to make changes that can earn you much lower annual insurance costs.

The items below are some of the major factors used by your company to calculate your prices.

  • Prevent your car from being stolen – Choosing a vehicle with advanced anti-theft systems can get you a discount on your insurance. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent vehicle theft.
  • Single drivers may pay higher premiums – Having a spouse can get you a discount on insurance. Having a spouse usually means you are more stable financially it has been statistically shown that married drivers get in fewer accidents.
  • Liability limits should be high – The liability coverage on your policy provides coverage if ever you are ruled to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupational choices like judgesairline pilots and miners have higher premium rates attributed to intense work situations and lengthy work days. Other professions such as scientists, athletes and performers pay lower than average rates for 3 coverage.
  • Consider raising coverage deductibles – Physical damage deductibles are the amount of money the insured will be required to pay if the claim is covered. Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of some claims that would be covered are collision with another vehicle, vandalism, and damage caused by road hazards. The more damage repair cost you have to pay, the less money you will pay for insurance for 3 coverage.
  • Males tend to take more risk – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean females are better drivers. Men and women have fender benders in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
  • Maintain insurance coverage – Having a gap between insurance policy dates is a guaranteed way to pay more for insurance. Not only will you pay higher rates, failure to provide proof of insurance will get you a license revocation or jail time.
  • Do you know you’re credit rating? – Credit score can be an important factor in determining what you pay for insurance. Therefore, if your credit score can use some improvement, you could potentially save money when insuring your 2015 Mazda 3 by spending a little time repairing your credit. Insureds with very good credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Save $398 a year. For real?

Consumers can’t escape the ads that promise big savings for switching from companies such as Allstate and Progressive. They all make an identical promise about how much you will save if you just switch to their company.

How does every company charge you a lower premium? This is the trick they use.

Most companies give the best rates for the type of insured that earns them the most money. An example of a preferred risk might be described as a female over age 40, has no driving citations, and insures a new vehicle. Any driver that fits those parameters may get the lowest car insurance rates and most likely will cut their rates if they switch.

Consumers who don’t meet this stringent profile may receive a higher premium and ends up with the customer buying from someone else. The ad wording is “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can truthfully make claims that they all have the best rates. Because each company has a different risk profile, you need to compare rate quotes every year. You cannot predict which insurance coverage company will fit your personal profile best.

Learn about auto insurance coverages for a 2015 Mazda 3

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most auto insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mazda 3.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, a tree branch falling on your vehicle, hail damage and rock chips in glass. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance – This coverage provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like attorney fees, emergency aid and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision – Collision insurance covers damage to your 3 caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, rolling your car, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like doctor visits, X-ray expenses, EMT expenses and dental work. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Be a smart shopper

We’ve covered a lot of ways to save on 2015 Mazda 3 insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from the smaller companies. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

As you quote insurance coverage, do not reduce coverage to reduce premium. There have been many situations where an insured dropped comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your objective should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

More tips and info about insurance coverage can be found at these sites: