2017 Mazda 3 Insurance Rates – 8 Tips for Best Quotes

Shopping for cheap insurance may appear to be difficult at first if you are like the majority of consumers and have never used online rate comparisons. Don’t be baffled because there is an easy way to compare rates.

Finding insurance

When shopping for insurance there are multiple ways of comparing price quotes from many insurance companies in your state. The fastest way to find competitive 2017 Mazda 3 insurance rates is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for separate quotes for every prospective company. Filling out one form gets insurance cost estimates from insurance companies with the best prices. Just one form and you’re done.
2. A slightly less efficient method to analyze rates requires visiting each individual company website and request a quote. For instance, we’ll pretend you want to compare rates from Auto-Owners, Liberty Mutual and Allstate. In order to get each rate, you would have to spend time on each company’s site and repeatedly type in your coverage information, and that explains why we recommend the first method.

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

3. The least recommended method to compare rates is driving to each insurance agency near you. Doing it all online makes this unnecessary unless you have a need for the guidance that only an agent can give. Drivers can comparison shop your insurance online but still have the advice of a local agent.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples information for each price quote. If you use different liability limits it will be nearly impossible to find the best deal for your Mazda 3. Even a minor difference in coverages could throw off the whole comparison. It’s important to know that having more price comparisons helps you find a lower rate than you’re paying now.

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Insurance advertising gotchas

Popular insurance providers such as Allstate, Geico and Progressive constantly bombard you with ads in print and on television. All the companies make the point that people will save just by moving to them. How do they all cost less than your current company? Here is the trick they use.

Insurance providers have a certain “appetite” for the type of customer that will be a good risk. For example, a desirable risk should be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any customer that hits that “sweet spot” may get the lowest premium rates and will also save when switching.

Potential insureds who may not quite match this stringent profile will probably be forced to pay a more expensive rate which results in the customer not purchasing. If you pay close attention to the ads, they say “drivers that switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can advertise the way they do. Because every company is different, you should do a rate comparison at every renewal. You cannot predict which company will have the lowest rate quotes.

More affordable rates with these eight discounts

Car insurance companies do not advertise the complete list of policy discounts very clearly, so below is a list a few of the more common and also the more inconspicuous discounts that may be available.

• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.
• Switch and Save Discount – A few companies allow discounts for signing up prior to the expiration date on your current policy. It can save you around 10%.
• Multi-line Discount – Companies who offer life insurance give better premium rates if you take out life insurance from them.
• Military Deployment Discount – Having an actively deployed family member can result in better auto insurance rates.
• Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Low Mileage – Low mileage vehicles can qualify you for cheaper rates.
• Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% for 3 insurance.
• Auto/Home Discount – If you can combine your homeowners and auto policy with one company you could earn a discount of as much as 10 to 15 percent.

We need to note that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way.

Some of the insurance companies that may have most of these discounts possibly include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you are trying to find the cheapest insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area.

What is the best auto insurance coverage?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

• Is a blown tire covered by insurance?
• Can I pay claims out-of-pocket if I buy high deductibles?
• When would I need additional glass coverage?
• When do I need to add a new car to my policy?
• When can I cancel my policy?
• Does car insurance cover theft of personal property?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

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Car insurance coverage information

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage

Collision insurance will pay to fix damage to your 3 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as court costs, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for things like chiropractic care, nursing services, surgery and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from flooding and hail damage. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Don’t be a big spender

More affordable auto insurance can be found from both online companies and from local insurance agents, so you need to shop insurance with both to get a complete price analysis. Some insurance companies do not provide online quoting and these smaller companies sell through independent insurance agents.

We just covered a lot of techniques to get a better price on 2017 Mazda 3 insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding low cost insurance. Drivers may discover the best car insurance rates are with some of the lesser-known companies.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where drivers have reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

Additional information is located at the links below

• Vehicle Safety Ratings (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)

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