Lower Your 2014 Mazda 3 Car Insurance Quotes

Want cheaper car insurance rates for your Mazda 3? Comparing auto insurance quotes online may seem complicated initially if you are like the majority of consumers and have never used quote comparisons online. Don’t worry though because it’s actually quite easy.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you should be able to lower your premiums substantially using this information. Although vehicle owners need to learn how the larger insurance companies sell online and apply this information to your search.

Lower insurance rates with these tips

Many things are used when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other criteria are more transparent such as whether you are married or how safe your car is.

The list below includes some of the major factors that factor into your rates.

  • Safety first – Safer cars cost less to insure. Safer cars reduce the chance of injuries and reduced instances of injuries translates into fewer and smaller insurance claims and lower rates for you.
  • Save money by having multiple policies – Many insurers will give discounts to customers that purchase more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, consumers should still compare other insurance prices to help ensure you have the lowest rates. Drivers may still find a better deal by buying insurance from more than one company.
  • Better rates for continuous coverage – Driving without insurance coverage in place can get your license suspended and insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will rates go up, the inability to provide proof of insurance might get you fines and jail time. You may then be required to file a SR-22 with your state motor vehicle department.
  • Lower annual miles equals lower premium – The more miles you rack up on your Mazda in a year the more you will pay for insurance. Most companies calculate rates based on their usage. Cars that do not get driven very much get more affordable rates compared to those used for work or business. Double check that your declarations sheet reflects the proper vehicle usage, because it can save money. Improper usage on your 3 may be wasting your money.
  • Single drivers take more risk – Having a significant other may cut your premiums on insurance. It demonstrates that you tend to be more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Bad credit hurts insurance rates – Having a bad credit score can be a huge factor in determining what you pay. If your credit history can use some improvement, you may save money insuring your 2014 Mazda 3 by repairing your credit. Drivers who have high credit scores tend to be better risks to insure than those with lower credit scores.
  • Older drivers are lower risk – Inexperience drivers are statistically proven to get distracted easily with other occupants in the car and because of this, their insurance rates are much higher. Adding a beginning driver to your policy can increase premiums substantially. Older insureds are proven to be safer behind the wheel, tend to cause fewer accidents , and usually have better credit.
  • Gals tend to be lower risk – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Males and females get in auto accidents in similar numbers, but the male of the species have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving.

Take policy discounts and save

Companies that sell car insurance don’t necessarily list every possible discount in a way that’s easy to find, so the list below contains both well-publicized in addition to some of the lesser obvious auto insurance savings. If you’re not getting every credit possible, you are throwing money away.

  • Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class if offered at their school.
  • Life Insurance – Larger companies have better auto insurancerates if you take out life insurance from them.
  • Savings for New Vehicles – Buying a new car instead of a used car can save you some money since new vehicles have better safety ratings.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with cheaper prices.
  • Drive Safe and Save – Safe drivers can save as much as half off their rates on 3 insurance than drivers with accident claims.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on 3 insurance with a few auto insurance companies.
  • Good Grades Discount – A discount for being a good student can save 20 to 25%. You can use this discount normally up to age 25.
  • Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Online Discount – A few auto insurance companies will provide an incentive just for signing your application on their website.

Keep in mind that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower the amount you have to pay.

A list of companies and some of the discounts are:

  • State Farm may offer discounts for passive restraint, Drive Safe & Save, accident-free, multiple autos, and Steer Clear safe driver discount.
  • GEICO has savings for driver training, seat belt use, emergency military deployment, federal employee, multi-vehicle, and good student.
  • SAFECO may have discounts that include bundle discounts, accident prevention training, anti-theft, drive less, and multi-car.
  • Farmers Insurance offers premium reductions for bundle discounts, alternative fuel, homeowner, distant student, and mature driver.
  • AAA policyholders can earn discounts including anti-theft, good student, pay-in-full, multi-car, good driver, AAA membership discount, and multi-policy.
  • USAA may include discounts for military installation, multi-policy, family discount, vehicle storage, safe driver, annual mileage, and multi-vehicle.

Check with each company or agent how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. If you would like to choose from a list of providers who offer auto insurance discounts, click here.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • When should I drop full coverage on my 2014 Mazda 3?
  • Should I get collision insurance on every vehicle?
  • Why do I only qualify for high-risk insurance?
  • How much can I save by bundling my policies?
  • Is extra glass coverage worth it?
  • Is my Mazda 3 covered if I use it for business?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Learn about auto insurance coverages for a Mazda 3

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverage – This coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as medical services, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

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

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from flooding and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision coverage pays for damage to your 3 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses for things like surgery, dental work and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Make an honest buck

When getting auto insurance quotes online, you should never skimp on coverage in order to save money. In many cases, someone sacrificed physical damage coverage and found out when filing a claim that it was a big mistake. Your aim should be to buy enough coverage at the lowest possible cost while still protecting your assets.

Consumers change insurance companies for any number of reasons including policy non-renewal, delays in responding to claim requests, policy cancellation and even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new insurance coverage company can be easy and end up saving you some money.

Throughout this article, we presented a lot of tips how to save on 2014 Mazda 3 insurance. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheap auto insurance. Consumers could even find that the lowest priced insurance coverage comes from a small local company.

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