Save on 2011 Mazda Mazda3 Insurance Rates

No one likes having to buy auto insurance, particularly when they are paying too much. You have multiple insurers to choose from, and although it’s a good thing to have a selection, too many choices makes it more difficult to find the best rates for your vehicles.

Buying car insurance is not rocket science. If you have insurance now or need a new policy, you can follow these tips to get lower rates while maintaining coverages. Vehicle owners only need an understanding of the proper methods to shop on the web.

Don’t pay full price with these discounts

Companies don’t list every discount very clearly, so the following is a list of both the well known and also the lesser-known insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Save over 55 – Mature drivers can possibly qualify for better insurance rates for Mazda3 coverage.
  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared with accident-prone drivers.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Sign Early and Save – Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

Keep in mind that most discounts do not apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

For a list of insurers with the best insurance discounts, click here to view.

Why your Mazda Mazda3 insurance rates may be high

Consumers need to have an understanding of the factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get big savings.

  • High deductibles save money – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Mazda. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, or theft. Deductibles for physical damage are how much you are required to spend out-of-pocket in the event of a claim. The more expense you are required to pay out-of-pocket, the less your insurance will be for Mazda3 coverage.
  • Your stress level may be raising your rates – Did you know your insurance rates can be affected by your occupation? Occupations like doctors, social workers and accountants have higher rates than average because of high stress and lengthy work days. On the flip side, occupations like farmers, athletes and performers get better rates for Mazda3 coverage.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men are in accidents in similar percentages, but men cause more damage. Men also receive more costly citations like reckless driving and DUI. Young males are most likely to cause an accident and therefore are the most expensive to insure.
  • Marriage pays dividends – Having a spouse helps lower the price on insurance. Marriage is viewed as being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Mazda has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Add-on coverages can add up – There are many extra bells and whistles that can waste your money when buying insurance. Things like vanishing deductibles, accident forgiveness and motor club memberships are examples of these. These may sound like a good investment at first, but if you don’t need them remove them from your policy.

Your personal situation dictates your coverage

When buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Am I covered when driving a rental car?
  • How can I find cheaper teen driver insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my personal policy cover me when driving out-of-state?
  • What if I total my 2011 Mazda Mazda3 and owe more than it’s worth?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverage specifics

Understanding the coverages of a car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Uninsured and underinsured coverage – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda Mazda3.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, nursing services, ambulance fees, surgery and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, theft and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance – This coverage will cover injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, structural damage, legal defense fees and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage – This coverage covers damage to your Mazda3 caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, crashing into a building, colliding with another moving vehicle, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Affordable insurance is out there

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to find out that it was a big mistake. Your goal should be to purchase plenty of coverage for the lowest price.

Low-cost 2011 Mazda Mazda3 insurance is attainable from both online companies and also from your neighborhood agents, so you should compare both to have the best selection. A few companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

We covered a lot of techniques to lower your insurance rates. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.

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