2006 Mazda Mazda3 Insurance Rates – 5 Ways to Save

Buyers have options when searching for low-cost Mazda Mazda3 insurance. They can either spend hours driving around getting price quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to buy insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Mazda and get the lowest price either online or from local insurance agents.

You need to price shop coverage before your policy renews due to the fact that insurance rates trend upward over time. Just because you had the best deal for Mazda3 coverage two years ago you can probably find a better price now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.

How to Compare Auto Insurance Costs

Reducing your 2006 Mazda Mazda3 insurance rates can be quick and easy. Consumers just need to take the time to compare quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  1. The recommended way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quotation requests for each company. One form will return price quotes from multiple companies. This is by far the quickest method.
  2. Another way to compare prices requires visiting each company website to request a price quote. For instance, let’s assume you want to compare Farmers, 21st Century and American Family. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient way to compare rates is to spend time driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the professional guidance of a local agent. Drivers can comparison shop online but buy from a local insurance agent and we’ll cover that in a bit.

However you get your quotes, be sure to compare identical information on every quote you get. If each company quotes different values for each quote it will be impossible to find the best deal for your Mazda Mazda3.

Car insurance is unique, just like you

When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help you determine if your situation may require specific advice.

  • Is upholstery damage covered by car insurance?
  • Is business property covered if stolen from my car?
  • Can I afford to buy a different vehicle if my 2006 Mazda Mazda3 is totaled?
  • Why is insurance for a teen driver so high?
  • Is my ex-spouse still covered by my policy?
  • When can my company non-renew my policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

What car insurance coverages do you need?

Having a good grasp of car insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mazda Mazda3.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability – This coverage provides protection from damage that occurs to other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like funeral expenses, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as rehabilitation expenses, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance 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 can pay for things such as fire damage, damage from flooding, hail damage, a broken windshield and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This coverage will pay to fix damage to your Mazda3 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.