2018 Mazda CX-3 Car Insurance Cost

Feeling guilty for buying an expensive auto insurance policy? It’s a common feeling and there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Big companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with advertising and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

It’s smart to get comparison quotes occasionally because rates are variable and change quite frequently. Just because you had the lowest premium rates for CX-3 coverage a year ago the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because you’re going to learn the best methods to find better rates and still maintain coverage.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Finding affordable coverage is quite easy. But car owners do need to understand how companies price insurance differently and use this information to your advantage.

Earn discounts on insurance coverage

The cost of insuring your cars can be expensive, but you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be inquired about before they will apply. If you’re not getting every credit you qualify for, you could be saving more on your insurance coverage.

  • Cautious Driver Discount – Safe drivers can pay as much as 50% less for CX-3 coverage compared to accident prone drivers.
  • Homeowners Savings – Just owning your own home may trigger a policy discount on insurance coverage because owning a home requires a higher level of personal finance.
  • Military Deployment Discount – Being deployed with a military unit could be rewarded with lower insurance coverage rates.
  • Drivers Ed for Students – Have your child take driver’s ed class in school or through a local driver safety program.
  • Defensive Driver Discount – Taking time to complete a defensive driver course could save 5% or more and also improve your driving technique.

It’s important to note that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

If you would like to choose from a list of providers who offer free insurance coverage quotes, follow this link.

Compare insurance rate quotes online

Most of the larger companies like Progressive, Allstate and Geico allow consumers to get insurance quotes online. Comparing prices online is pretty painless because it’s just a matter of typing in the amount of coverage you want into a form. After you submit the form their rating system sends out for credit information and your driving record and generates a price. This streamlines rate comparisons, but the work required to visit multiple sites and type in the same information can get tiresome after awhile. But it is imperative to have as many quotes as possible if you want to find the lowest insurance rates.

The better way to compare rates

The quickest way to compare insurance pricing uses one form to obtain quotes from several different companies. It saves time, requires less work, and makes online price comparison much simpler. Once the form is submitted, it is rated and you can select any or none of the resulting price quotes. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to find out what other companies charge, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you type in deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you are getting rate quotes based on the exact same insurance coverage.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I really need UM/UIM coverage?
  • Do I have coverage when making deliveries for my home business?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why do I need rental car insurance?
  • How can I find cheaper teen driver insurance?
  • How does medical payments coverage work?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Coverage specifics

Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, theft, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Mazda CX-3.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects, funeral expenses, pain and suffering and medical expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for things like doctor visits, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays for damage to your CX-3 from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

A little work can save a LOT of money

When getting car insurance quotes online, make sure you don’t buy poor coverage just to save money. There are too many instances where someone sacrificed full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

More affordable car insurance can be sourced both online and from local insurance agents, so get free car insurance quotes from both of them to have the best rate selection. A few companies don’t offer rate quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

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