2017 Mazda CX-3 Insurance Quotes – 6 Tricks for Cheaper Rates

Trying to find lower auto insurance rates for your Mazda CX-3? Think you have an underperforming, overpriced auto insurance policy? Believe me, many drivers feel the same as you.

Due to the large number of auto insurance companies to choose from, it’s difficult to find the most affordable company.

Car insurance policy discounts

Companies don’t always list every available discount in an easy-to-find place, so the list below contains a few of the more common and also the more inconspicuous discounts you could be receiving when you buy auto insurance online.

  • Paperless Signup – Some of the larger companies may give you up to $50 for signing up digitally online.
  • Discount for Low Mileage – Low annual miles can earn cheaper car insurancerates.
  • Driving Data Discount – Policyholders that allow their insurance company to analyze driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
  • Passive Restraints – Options like air bags could see savings as much as 30%.
  • No Charge for an Accident – This one is not really a discount per se, but companies like Geico and Allstate allow you one accident without the usual rate increase if you have no claims prior to the accident.
  • Payment Method – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.

Remember that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Large car insurance companies and a selection of discounts are detailed below.

  • Travelers may offer discounts for IntelliDrive, continuous insurance, hybrid/electric vehicle, multi-car, payment discounts, multi-policy, and student away at school.
  • 21st Century has discounts for good student, theft prevention, homeowners, air bags, driver training, automatic seat belts, and defensive driver.
  • State Farm includes discounts for good student, multiple policy, driver’s education, passive restraint, and defensive driving training.
  • Geico has savings for membership and employees, anti-theft, good student, federal employee, and multi-policy.
  • SAFECO policyholders can earn discounts including safe driver, homeowner, bundle discounts, multi-car, anti-theft, and accident prevention training.
  • AAA may include discounts for multi-policy, anti-theft, AAA membership discount, pay-in-full, good driver, and good student.

It’s a good idea to ask every prospective company which discounts can lower your rates. Some discounts listed above may not be available in every state. To view companies who offer car insurance discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if your insurance needs may require specific advice.

  • When would I need rental car insurance?
  • What is covered by UM/UIM coverage?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I drive in a foreign country?
  • How high should my medical payments coverage be?
  • Am I insured when driving a different vehicle?
  • Does insurance cover damages from a DUI accident?
  • Will I lose any money if I cancel my policy before it expires?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my state a no-fault state?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage considerations

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, a broken windshield, damage from a tornado or hurricane, fire damage and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

Liability coverage can cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as legal defense fees, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as surgery, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your 2017 Mazda CX-3.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Auto collision coverage

This coverage covers damage to your CX-3 resulting from colliding 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 pays for claims like crashing into a building, hitting a parking meter, driving through your garage door, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Shop smart and save

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. In many cases, someone dropped liability coverage limits only to regret at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

Lower-priced 2017 Mazda CX-3 insurance can be found online as well as from insurance agents, so you need to shop auto insurance with both to have the best rate selection. Some car insurance companies do not offer online price quotes and many times these small insurance companies sell through local independent agents.

Even more information is located in the articles below: