View 2008 Mazda Mazda3 Insurance Rates

Trying to find lower car insurance rates for your Mazda Mazda3? Are you a victim of high-priced car insurance? Believe me when I say there are lots of people in the same boat.

Many auto insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurers and get the definite best rates possible.

Discounts to lower Mazda Mazda3 insurance rates

Companies don’t necessarily list every discount in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using.

  • Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Mazda3 insurance with a few insurance companies.
  • Sign Online – A few companies will discount your bill up to fifty bucks for buying your policy online.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Mazda3 insurance than drivers with accident claims.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Drive Less and Save – Fewer annual miles on your Mazda could be rewarded with a substantially lower rate.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous.

A partial list of companies that may offer some of the above discounts include:

Before buying, ask each insurance company how you can save money. All car insurance discounts may not apply in your area.

Why your Mazda Mazda3 might be costing you more

Smart consumers have a good feel for the different types of things that go into determining the price you pay for insurance coverage. Understanding what influences your rates enables informed choices that will entitle you to better insurance coverage rates.

  • Battle of the sexes – The statistics show that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes have accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Young males are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Older drivers pay less – Older drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Teen drivers are known to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.
  • The more you drive the more you pay – Driving more miles every year the higher your rates will be. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Vehicles not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Mazda3 may be costing you. Ask your agent if your insurance coverage coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Policy add-ons can waste money – There are quite a few add-on coverages that you can get tricked into buying on your 2008 Mazda3 policy. Coverages for roadside assistance, accidental death and motor club memberships are examples of these. These may sound like a good investment initially, but if you don’t need them eliminate them to save money.
  • Rates may be lower depending on your job – Did you know your insurance coverage rates can be affected by your occupation? Occupations like lawyers, architects and accountants have higher rates than average in part from stressful work requirements and long work days. On the flip side, occupations such as pilots, athletes and homemakers get better rates for Mazda3 insurance.
  • Your location affects your rates – Choosing to live in less populated areas has it’s advantages when it comes to insurance coverage. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas have to deal with congested traffic and much longer commute distances. More time on the road translates into higher accident risk.
  • Too many insurance coverage claims drive up costs – If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies provide lower rates to drivers who file claims infrequently. Your insurance policy is meant to be used in the event of the large, substantial claims.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Why is insurance for a teen driver so high?
  • Does insurance cover damages from a DUI accident?
  • Should I have combined single limit or split liability limits?
  • Is my 2008 Mazda Mazda3 covered for smoke damage?
  • Am I covered when driving in Canada or Mexico?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I crash into my own garage door?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance specifics

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from getting keyed, damage from flooding and hitting a deer. The most 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 it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, scraping a guard rail, sideswiping another vehicle, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like pain medications, rehabilitation expenses, hospital visits, EMT expenses and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

A penny saved is a penny earned

We just showed you some good ideas how to get a better price on 2008 Mazda Mazda3 insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

The cheapest insurance can be found on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

More detailed insurance information can be read by following these links: