Save on 2013 Mazda Mazdaspeed 3 Car Insurance Rates

Trying to find cheaper auto insurance rates for your Mazda Mazdaspeed 3? No car owner loves paying for auto insurance, particularly when their premiums are through the roof.

Due to the fact that there are so many auto insurance companies to choose from, it can be challenging to locate the lowest cost insurance company.

How to compare free car insurance rate quotes

There are a variety of methods to compare car insurance quotes, but some are less time-consuming than others. You can spend your afternoon talking about coverages with agents in your area, or you can utilize the internet to maximize your effort.

Most major companies belong to a marketplace where prospective buyers enter their policy data once, and each company provides a quote determined by their information. This prevents consumers from doing quote forms for each company.

To compare rates using this form now click here (opens in new window).

The only downside to using this type of form is you are unable to specify which providers to receive prices from. If you prefer to choose specific providers to compare prices, we have a listing of the cheapest car insurance companies in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just try to keep identical coverage limits on every price quote you get. If your comparisons have different data it will be nearly impossible to determine which company has the best rates. Having just a slight variation in insurance coverages can make a big difference in price. And when quoting car insurance, remember that comparing a wide range of rates helps increase your odds of locating a better price. Some regional insurers cannot provide quotes online, so you should also compare prices from those companies as well.

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The largest companies are not always cheapest

Respected companies like Progressive, Geico, Allstate and State Farm seem to constantly run television and radio advertisements. They all seem to state the claim about how much you will save if you change your car insurance coverage to their company. But how can every company lower your prices? Here is the trick they use.

Many companies have specific characteristics for the type of customer that is profitable for them. For instance, a desirable risk may need to be between the ages of 40 and 55, owns a home, and has a short commute. Any person who matches those parameters receives the best rates and as a result will probably save if they switch.

Potential insureds who are not a match for those criteria may receive higher prices which leads to the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” can get the lowest rates when switching. This is how companies can truthfully advertise the savings.

Because each company has a different risk profile, you need to compare free insurance coverage quotes often. It is impossible to predict which company will provide you with the cheapest premium rates.

Six factors that affect insurance prices

Lots of factors are considered when you quote your car insurance policy. Most are fairly basic like an MVR report, but other factors are more obscure like your vehicle usage or your vehicle rating.

• Safer occupants lowers prices – Cars with five star safety ratings tend to be cheaper to insure. Safer cars reduce occupant injuries and any reduction in injury severity means your insurance company pays less passed on to you as lower rates.
• Does insurance cost less for women? – Statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Males and females are responsible for at-fault accidents at a similar rate, but men have costlier accidents. They also receive more costly citations like reckless driving and DUI.
• Lower mileage equals lower premium – The higher the miles on your Mazda in a year’s time the more you will pay for insurance. Most companies rate vehicles determined by how the vehicle is used. Cars that do not get driven very much receive better premium rates than vehicles that are driven to work every day. Improper usage on your Mazdaspeed 3 may be costing you higher rates. It’s always a good idea to double check that your insurance coverage is rated on the correct usage, because it can save money.
• Always have insurance – Having an insurance coverage lapse is a sure-fire way to increase your insurance rates. Not only will you pay more, failure to provide proof of insurance may earn you fines and jail time. You may then be required to file a SR-22 with your state motor vehicle department.
• Remove unneeded extra policy coverages – Insurance policies have a lot of extra coverages that you can get tricked into buying if you don’t pay attention. Coverages like replacement cost coverage, death and dismemberment, and additional equipment coverage are probably not needed. These coverages may sound good when discussing your needs, but if they’re wasting money eliminate the coverages to reduce your premium.
• Marriage reduces risk – Having a wife or husband may save some money when shopping for insurance. Having a significant other translates into being more financially stable and insurance companies like that drivers who are married file infrequent claims.

Take policy discounts and save

Some companies do not advertise all their discounts very clearly, so here is a list both the well known and also the more inconspicuous discounts that you may qualify for. If you are not receiving all the discounts available, you’re just leaving money on the table.

• Life Insurance – Larger auto insurance companies have better rates if you take out a life insurance policy as well.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
• Multiple Cars – Purchasing coverage when you have multiple cars with one company can reduce rates for all insured vehicles.
• Safe Drivers – Accident-free drivers can save as much as half off their rates for Mazdaspeed 3 insurance than drivers with accidents.
• Student in College – Any of your kids who are attending college and leave their car at home could qualify for this discount.
• Telematics Data – Drivers that enable their company to monitor driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
• Switch and Save Discount – Some larger companies provide a discount for switching companies early. It could save around 10% when you buy insurance coverage online.
• Discounts for New Vehicles – Buying a new car model is cheaper due to better safety requirements for new model year vehicles.

A little disclaimer on discounts, many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it appears adding up those discounts means a free policy, that’s just not realistic. Any qualifying discounts will positively reduce your overall bill.

A few popular companies and a selection of discounts are outlined below.

• Progressive includes discounts for online signing, multi-vehicle, multi-policy, continuous coverage, homeowner, good student, and online quote discount.
• MetLife may have discounts that include multi-policy, claim-free, good student, defensive driver, and accident-free.
• Mercury Insurance offers discounts for professional/association, annual mileage, location of vehicle, multi-policy, and type of vehicle.
• Nationwide offers discounts including good student, business or organization, defensive driving, accident-free, multi-policy, anti-theft, and Farm Bureau membership.
• Geico may offer discounts for membership and employees, military active duty, driver training, anti-lock brakes, defensive driver, and five-year accident-free.
• AAA offers premium reductions for AAA membership discount, education and occupation, multi-policy, anti-theft, and good driver.

If you need the cheapest insurance coverage quotes, ask each company the best way to save money. Discounts may not apply to policies in your state. To see providers who offer online auto insurance quotes, click this link.

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Which policy gives me the best coverage?

When choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

• When should I drop full coverage on my 2013 Mazda Mazdaspeed 3?
• I have good health insurance, so how much medical payments coverage do I need?
• If my pet gets injured in an accident are they covered?
• What if I owe more than I can insure my car for?
• Will filing a claim cost me more?
• Am I missing any policy discounts?
• Do I pay less for low miles?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverage breakdown

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Mazda Mazdaspeed 3.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Liability – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, loss of income, medical expenses, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for chiropractic care, dental work, surgery, doctor visits and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – This covers damage to your Mazdaspeed 3 resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, hitting a parking meter, colliding with a tree, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Best coverage at the best price

As you quote insurance coverage, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest cost while still protecting your assets.

In this article, we presented some good ideas how to reduce 2013 Mazda Mazdaspeed 3 insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the best car insurance rates are with a small mutual company. These companies often have lower premium rates on specific markets than their larger competitors like Progressive and Geico.

Other articles

• Insurance Losses by Make and Model (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Property Damage Coverage (Liberty Mutual)
• Shopping for a Safe Car (Insurance Information Insitute)

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