Vehicles > Mazda > 3

Mazda 3 Insurance Cost

Shopping for auto insurance through online rate quotes can be fast and easy and at the same time you will probably save money. The most important part is to get rates from all companies in order to have all possible prices.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of companies competing for your business. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time comparing rates provided by online insurance companies. This is very easy and can be done by comparing rates here.

Which factors influence Mazda 3 insurance quotes?

Insurance rates on a Mazda 3 can fluctuate considerably depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One last important factor that will help determine the rate you pay on your Mazda is the year of manufacture. Newer models have a higher replacement value so the cost to replace them may result in higher rates. Although new Mazda models may have options included like lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which may lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage for your Mazda 3 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper Mazda 3 insurance cost.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Mazda 3 Insurance Rates?