Cheap 2011 Mazda 3 Insurance Rates

Are you regretting the purchase of an expensive car insurance policy? Don’t feel bad because you’re not alone. Companies like State Farm, Progressive and Geico continually bombard you with ads and it is challenging if not impossible to separate fact from fiction and find the best price available.

Consumers should take time to compare premium rates before your next renewal since insurance prices go up and down regularly. Despite the fact that you may have had the best rate on 3 insurance a year ago you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to save on car insurance.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is not rocket science. Consumers only need to know the tricks to get comparison rates online.

How to shop insurance online

There are a lot of ways to compare insurance prices and some are more efficient than others. You can waste hours driving to agents in your area, or you could use the web for quick rates.

Many popular insurance companies participate in a marketplace where insurance shoppers submit one quote, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms to every company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to getting quotes like this is you can’t choose which carriers to receive prices from. So if you prefer to choose from a list of companies to compare rates, we have assembled a list of low cost insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just make sure you are using nearly identical coverage information for every company. If you use unequal deductibles or liability limits it will be next to impossible to decipher which rate is best.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Is there truth in advertising?

Consumers can’t escape the ads that claim the best prices by companies like State Farm and Allstate. All the ads seem to make the promise that drivers can save some big amount just by switching your policy.

How does each company sell you cheaper insurance coverage? This is how they do it.

Different companies have specific criteria for a prospective insured that will be a good risk. For instance, a profitable insured could possibly be a married male, insures multiple vehicles, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” may get the lowest premium rates and will save some money.

Drivers who cannot meet these standards will see higher premium rates which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can claim big savings. Each company has different criteria, so you really should compare as many free insurance quotes as you can. It’s impossible to know with any certainty which company will have the lowest rates.

Lower your insurance rates

Multiple criteria are used when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but others are less obvious such as whether you are married or how financially stable you are.

• Buy as much liability insurance as you can afford – The liability coverage on your policy will afford coverage if you are found liable for causing personal injury or damage in an accident. It will provide legal defense coverage which can cost thousands of dollars. It is affordable coverage as compared to coverage for physical damage, so buy as much as you can afford.
• Poor credit can mean higher prices – Having a good credit history will be a significant factor in determining premium rates. Drivers with excellent credit scores tend to be better risks to insure than those with poor credit scores. If your credit history is low, you could be paying less to insure your 2011 Mazda 3 by improving your credit score.
• Vehicle options impact insurance coverage rates – Driving a car with an alarm system can help bring down rates. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent vehicle theft.
• Discounts for married drivers – Your spouse may save some money on your policy. Having a significant other generally demonstrates drivers are more financially stable and insurance companies like that drivers who are married are more cautious.
• Infrequent drivers can save – The more you drive in a year’s time the more you’ll pay to insure it. Almost all companies calculate prices determined by how the vehicle is used. Vehicles that do not get driven very much cost less to insure than vehicles that have high annual mileage. Improper usage on your 3 is just wasting money. Verify your policy is showing the correct driver usage.
• Does insurance cost less for females? – Statistics show that females take fewer risks when driving. The data does not necessarily mean that men are WORSE drivers than women. They both are responsible for auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
• What are your physical damage deductibles? – Coverage for physical damage, also called ‘full coverage’, protects your Mazda from damage. Examples of some claims that would be covered are collision with another vehicle, hitting a deer, or theft. The deductibles you choose tell how much you are willing to pay before a claim is paid by your company. The larger the amount you have to pay, the lower your rates will be on 3 insurance.

Don’t overlook these car insurance discounts

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so the following list contains a few of the more common and also the more inconspicuous credits available to bring down your rates.

• Accident Waiver – This one is not really a discount per se, but companies like Geico and Allstate will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
• Defensive Driver – Taking time to complete a safe driver course could earn you a small percentage discount and easily pay for the cost of the class.
• Seat Belt Discounts – Drivers who require all occupants to wear their seat belts can save a little off PIP or medical payments premium.
• Theft Deterent System – Cars with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance quote.
• E-sign – A handful of larger companies provide a small discount just for signing your application on the internet.
• Employee of Federal Government – Federal government employees could cut as much as 10% off on 3 insurance depending on your company.
• Pay Early and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
• Lower Rates for Military – Being on active deployment in the military could mean lower prices.
• Discount for New Cars – Buying a new car instead of a used car may earn a small discount since newer models are generally safer.

It’s important to note that most discounts do not apply the the whole policy. A few only apply to individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, it’s just not the way it works.

Larger car insurance companies and a selection of discounts are included below.

• Farmers Insurance policyholders can earn discounts including switch companies, business and professional, distant student, teen driver, and good student.
• Esurance offers discounts including Pac-12 alumni, anti-theft, Switch & Save, DriveSense, emergency road assistance, and multi-car.
• State Farm has savings for accident-free, good driver, good student, defensive driving training, passive restraint, and driver’s education.
• Geico offers premium reductions for good student, multi-policy, multi-vehicle, air bags, daytime running lights, and seat belt use.
• Allstate includes discounts for early signing, anti-lock brakes, premier discount, multi-policy, FullPay discount, and good student.

When comparing rates, check with every prospective company which discounts you may be entitled to. Some discounts listed above might not apply in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

When to get professional advice

When it comes to buying the best insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

• How does medical payments coverage work?
• How can I force my company to pay a claim?
• Do I need added coverage for expensive stereo equipment?
• Is my 2011 Mazda 3 covered for flood damage?
• Do I need PIP (personal injury protection) coverage in my state?
• Does my insurance cover a custom paint job?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered if my car is in a flood?
• Does coverage extend to Mexico or Canada?
• What discounts do I qualify for?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Mazda 3.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

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

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, damage from flooding, hail damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance – This coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like EMT expenses, dental work, ambulance fees and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your 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

Save for a rainy day

We’ve covered a lot of ways to get a better price on 2011 Mazda 3 insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced full coverage and discovered at claim time that they should have had better coverage. The goal is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

More information can be found below:

• Cellphones, Texting and Driving (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption