Compare 2011 Mazda Mazdaspeed3 Car Insurance Quotes

Do you think you bought an underperforming, overpriced insurance coverage policy? Trust us when we tell you many consumers are in the same pinch.

You have multiple car insurance companies to buy insurance from, and though it is a good thing to be able to choose, it makes it harder to compare rates and cut insurance costs.

This article will tell you how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. But consumers need to have an understanding of the way insurance companies market insurance on the web because it can help you find the best coverage.

How to lower your auto insurance cost

When looking for inexpensive car insurance quotes, there are a couple ways to obtain and compare prices from different insurance companies. The easiest way by far to do a complete rate comparison is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for each company. Just one form will return quotes from auto insurance companies with the best prices.
  2. A less efficient way to find lower rates is to take the time to go to the website for each individual company and fill out a new quote form. For instance, we’ll assume you are doing a rate comparison from Auto-Owners, Esurance and American Family. In order to get each rate, you would have to take the time to go to each site and punch in your information repeatedly, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.
  3. The hardest way of getting rate comparisons is driving around to insurance agencies in your area. The ability to quote online makes this process obsolete unless you’re the type of person who wants the professional advice that can only be provided by a licensed insurance agent. Although you can comparison shop online and still use a local agent.

It’s up to you how you get prices quotes, just make sure you use equivalent coverage information for each quote you get. If the quotes have mixed coverages it will be nearly impossible to get a fair rate comparison. Quoting even small variations in coverage limits could throw off the whole comparison. Keep in mind that comparing a wide range of rates helps locate the best price. Some insurance companies are not set up to provide prices over the internet, so it’s important to also get prices from those companies as well.

Do you qualify for discount insurance?

The price of auto insurance can be rather high, but you might be missing out on some discounts that could help you make your next renewal payment. Some discounts will apply when you get a quote, but some discounts are required to be specially asked for before you will receive the discount.

  • Defensive Driver Discount – Taking part in a driver safety class may get you a small discount and easily pay for the cost of the class.
  • Telematics Data Discounts – Drivers that enable their insurance company to monitor where and when they drive by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they show good driving skills.
  • Paperwork-free – Some of the larger companies will give you a small discount just for signing your application on the internet.
  • Club Memberships – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your bill.
  • Student in College – Any of your kids who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your car insurance quote.
  • Discount for Swiching Early – A few insurance companies give discounts for renewing your policy before your current expiration date. It’s a savings of about 10%.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Mazdaspeed3 insurance than their less cautious counterparts.

Don’t be surprised that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

To view insurance companies that offer multiple discounts, click this link.

What insurance coverages do I need?

When buying the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my ex-spouse still covered by my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When can my company non-renew my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Coverage specifics

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, damage from getting keyed, fire damage, damage from a tornado or hurricane and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision coverage covers damage to your Mazdaspeed3 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, rehabilitation expenses, hospital visits, ambulance fees and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability coverages

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits 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 $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, medical services, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Mazda Mazdaspeed3.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are identical to your policy’s liability coverage.