2013 Mazda Mazdaspeed3 Car Insurance Rates – 5 Tips for Cheapest Quotes

Trying to find cheaper car insurance rates for your Mazda Mazdaspeed3? Car insurance shopping is not a chore drivers enjoy, but your state requires it for any vehicle you drive.

Smart consumers take time to compare rates yearly since rates fluctuate regularly. Just because you had the best deal on Mazdaspeed3 insurance a couple years back you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the tricks you need to know to reduce your cost while improving coverage.

Finding affordable coverage is quite easy. Essentially every vehicle owner who carries insurance most likely will be able to find lower rates. But drivers need to learn how companies price insurance differently because it can help you find the best coverage.

Compare Car Insurance Costs

The are a couple different ways of comparing rates and find the best price. By far the easiest way to find the lowest 2013 Mazda Mazdaspeed3 rates is simply to get online rate quotes. This can be done in several different ways.

The best way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing boring form submissions for every car insurance company. Completing one form gets rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.

A different way to shop for car insurance online is going to the website for each individual company to complete a price quote. For sake of this example, we’ll pretend you want to compare rates from Progressive, GEICO and Liberty Mutual. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The hardest method of comparing rate quotes is driving to local insurance agencies. The internet makes this process obsolete unless you prefer the personal advice of a local agent. Drivers can find lower rates online and get advice from an agent in your area and we’ll cover that in a bit.

Whichever way you use, make absolute certain that you use the exact same coverages and limits on every quote you get. If you compare different values for each quote it’s not possible to truly determine the lowest rate. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, having more price comparisons gives you a better chance of getting the best rates.

Don’t pay full price with these five discounts

Companies offering auto insurance don’t necessarily list all their discounts very well, so here is a list some of the more common and also the lesser-known ways to save on auto insurance.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Save over 55 – Older drivers may receive reduced rates on Mazdaspeed3 insurance.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

To see a list of providers who offer auto insurance discounts, click here to view.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • How high should deductibles be on a 2013 Mazda Mazdaspeed3?
  • How do I insure my teen driver?
  • Does my insurance cover a custom paint job?
  • Are my friends covered when driving my car?
  • Do I have any recourse if my insurance company denies a claim?
  • What is the rate difference between pleasure use and commuting?
  • How can I find cheaper teen driver insurance?
  • Do I have newly-aquired coverage?
  • Does having multiple vehicles earn me a discount?
  • What are the best liability limits?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage information

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Mazda Mazdaspeed3.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, rock chips in glass and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability

This will cover damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, pain and suffering, medical expenses, repair costs for stationary objects and legal defense fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like surgery, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible