Cheap 2013 Mazda 3 Insurance Quotes

Do you get confused by the crazy number of insurance choices? Vehicle owners have so many options that it can be hard work to locate the lowest insurance rates.

You need to shop coverage around quite often because insurance prices are constantly changing. Even if you think you had the best rates on 3 coverage two years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.

Insurance Discounts

Car insurance companies don’t always list every policy discount in a way that’s easy to find, so the list below contains a few of the more well known and also the lesser-known credits available to lower your premiums when you buy car insurance online.

  • Good Student – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Discount for Life Insurance – Some companies give a discounted insurance rate on car insurance if you buy a life policy as well.
  • 55 and Retired – If you’re over the age of 55, you can get lower premium rates on 3 coverage.
  • No Charge for an Accident – This isn’t a discount exactly, but some companies like Progressive, Allstate, and Liberty Mutual allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
  • Telematics Discount – Drivers who elect to allow their company to scrutinize driving patterns through the use of a telematics system such as Progressive’s Snapshot might see lower rates if their driving habits are good.
  • E-sign Discounts – A few larger online companies provide a small discount for buying a policy and signing up digitally online.

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though it sounds like you could get a free insurance policy, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts are included below.

  • GEICO has savings for federal employee, driver training, multi-vehicle, daytime running lights, anti-theft, and membership and employees.
  • MetLife may include discounts for defensive driver, good student, good driver, claim-free, and accident-free.
  • Progressive includes discounts for multi-vehicle, continuous coverage, multi-policy, homeowner, online quote discount, and online signing.
  • Travelers discounts include good student, student away at school, home ownership, multi-car, new car, hybrid/electric vehicle, and IntelliDrive.
  • SAFECO offers premium reductions for teen safe driver, teen safety rewards, multi-car, safe driver, anti-lock brakes, homeowner, and drive less.
  • AAA policyholders can earn discounts including anti-theft, good student, pay-in-full, multi-car, education and occupation, and good driver.

Double check with every prospective company which discounts you qualify for. Discounts might not apply in your area.

Finding insurance

There are a lot of ways to compare insurance prices but some are less time-consuming than others. You could waste time discussing policy coverages with insurance companies in your area, or you can utilize the internet to maximize your effort.

Most of the best insurance companies take part in a program where prospective buyers enter their policy data once, and each participating company returns a rated price based on that data. This prevents consumers from doing quotation requests to each company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to getting quotes like this is buyers cannot specifically choose the companies you will receive quotes from. So if you want to choose individual companies to compare prices, we have a page of companies who write insurance in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just do your best to use equivalent coverage limits for each quote you get. If you use different liability limits you can’t possibly make a fair rate comparison. Even a minor difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies helps improve the odds of finding lower pricing. Some companies don’t provide online rate quotes, so you need to compare prices from the smaller companies as well.

Why your insurance rates might be higher

Lots of things are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other factors are more transparent such as your credit history or your vehicle rating.

  • Your stress level may be raising your auto insurance rates – Did you know your career choice can influence rates? Careers such as military generalspolice officers and emergency personnel tend to pay higher rates than the rest of us due to high stress levels and lots of time spent away from family. On the flip side, careers like scientists, athletes and performers pay lower than average rates on 3 coverage.
  • Women tend to take less risk – Over the last 30 years, statistics show women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. They both tend to get into auto accidents in similar percentages, but males cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • When should you file a policy claims? – Car insurance companies provide the lowest premiums to insureds who are claim-free. If you’re an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Vehicle options that lower premiums – Buying a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
  • Policy lapses lead to higher premiums – Letting your insurance expire is a fast way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance will get you a revoked license or a big fine.
  • Avoid unnecessary extra policy coverages – Insurance policies have a lot of additional extra coverages that sound like a good idea at the time on your 3 policy. Things like coverage for rental cars, accident forgiveness, and motor club memberships are examples of these. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
  • Big city or small town – Choosing to live in less populated areas has definite advantages when shopping for auto insurance. People who live in big cities have to deal with more aggressive driving styles and more severe claims. Fewer drivers and short commutes translates into fewer accidents as well as less vandalism and auto theft.
  • Youthful drivers pay higher rates – Mature drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.Teenage drivers are proven to be inattentive in a vehicle so auto insurance rates are higher.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can help discover if you will benefit from professional help.

  • Does coverage extend to a rental car in a foreign country?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need motorclub coverage?
  • Who is covered by my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need special endorsements for business use of my vehicle?
  • Is my state a no-fault state?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance policy specifics

Understanding the coverages of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like X-ray expenses, dental work, EMT expenses and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

Collision coverage will pay to fix damage to your 3 from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, rock chips in glass, fire damage and theft. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as repair costs for stationary objects, funeral expenses, medical expenses and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

More choices the merrier

Consumers leave their current company for a variety of reasons including policy non-renewal, delays in responding to claim requests, being labeled a high risk driver and even high rates after DUI convictions. Regardless of your reason for switching companies, finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

We just showed you a lot of ways to reduce 2013 Mazda 3 insurance rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting inexpensive car insurance. Consumers could even find that the lowest priced insurance coverage comes from some of the lesser-known companies.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. In many instances, consumers will sacrifice full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

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