2016 Mazda CX-3 Insurance Rates – 10 Policy Discounts

Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Numerous car insurance companies battle for your insurance dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest rate possible.

Automobile Insurance Quotes

Shopping for lower car insurance rates can be exhausting if you don’t understand the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can utilize the internet to get prices fast.

The majority of car insurance companies belong to a marketplace where insurance shoppers send in one quote, and every company can give them a price for coverage. This saves time by eliminating form submissions for each company. To find out what other companies charge for 2016 Mazda CX-3 insurance click here to start a free quote.

The only drawback to using this type of form is you are unable to specify the companies you want to price. So if you prefer to choose from a list of companies to request quotes from, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare exactly the same coverages and limits for every company. If you are comparing differing limits you will not be able to determine which rate is truly the best.

Switch companies and save? Really?

Consumers get pounded daily by advertisements that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim about savings if you switch your coverage to them.

How does each company claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of driver that makes them money. For example, a profitable customer might be between 30 and 50, has no prior claims, and chooses high deductibles. Any driver who fits that profile receives the best rates and therefore will save when switching.

Drivers who do not match the “perfect” profile must pay higher premiums which leads to business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the way they do. This illustrates why you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which car insurance company will give you the biggest savings on Mazda CX-3 insurance.

Save on Mazda CX-3 insurance

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the more hidden ways to save on insurance coverage. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Good Student – This discount can save 20 to 25%. The discount lasts well after school through age 25.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Accident Free – Good drivers with no accidents can save substantially compared to drivers who are more careless.
  • New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Passive Restraints – Vehicles equipped with air bags can receive discounts of up to 25% or more.
  • Student in College – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% for CX-3 insurance.
  • Payment Method – If you pay your bill all at once rather than paying monthly you could save up to 5%.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, you’re out of luck.

For a list of insurers with discount insurance coverage rates, click this link.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a one size fits all plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Do I pay less for low miles?
  • What is no-fault insurance?
  • Am I covered if I hit a deer?
  • What exactly is covered by my policy?
  • How do I buy GAP insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • What if I don’t agree with a claim settlement offer?
  • When should I buy a commercial auto policy?
  • Is a blown tire covered by insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Liability insurance – Liability coverage provides protection from damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like court costs, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision – This covers damage to your CX-3 resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mazda CX-3.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, rock chips in glass and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like surgery, pain medications, dental work, chiropractic care and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don’t break the bank

Affordable 2016 Mazda CX-3 insurance can be purchased on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at a price you can afford.

Additional auto insurance information is available at these links: