2017 Mazda CX-3 Car Insurance Rates

When trying to find cheaper insurance, are you intimidated by the crazy number of insurance coverage sources available to you? You have so many sources available that it can easily turn into more work than you anticipated to find a more affordable company.

You should make it a habit to get comparison quotes yearly due to the fact that insurance prices trend upward over time. Even if you think you had the best rate for CX-3 coverage at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the quickest way to find great coverage at a great price.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Shopping for affordable car insurance can be fairly easy. Although vehicle owners should learn how big insurance companies determine prices and take advantage of how the system works.

How much does insurance coverage cost?

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You could spend the better part of a day driving to insurance companies in your area, or you can utilize online quotes to get prices fast.

Many insurance companies participate in an industry program where prospective buyers send in one quote, and each participating company can give them a price based on that information. This eliminates the need for quotation requests to each individual insurance coverage company.

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

The only downside to pricing coverage this way is that you can’t choose the companies to get quotes from. If you prefer to choose from a list of companies for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you are using exactly the same coverage limits for each price quote. If the quotes have differing limits you will not be able to determine which company has the best rates. Just a small difference in coverage limits may result in large price differences. Just keep in mind that comparing more company’s prices provides better odds of finding better pricing. Not every company allows you to get quotes online, so it’s important to also get quotes from those companies as well.

Discounts for cheaper insurance quotes

Auto insurance companies don’t list the entire discount list very clearly, so the list below gives a summary of a few of the more well known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy life insurance.
• Senior Citizen Discount – Mature drivers may receive a slight reduction on a car insurance quote for CX-3 coverage.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
• Early Renewal Discounts – Some insurance companies reward drivers for switching to them before your current policy expires. This discount can save up to 10%.
• Organization Discounts – Belonging to certain professional organizations can get you a small discount on your policy.
• Military Discounts – Having a deployed family member could mean lower prices.
• Defensive Driver Discount – Participating in a class that teaches driver safety techniques may get you a small discount depending on where you live.
• Accident Free – Good drivers with no accidents get the best insurance rates as compared to drivers who are more careless.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will definitely reduce your overall premium however.

Some of the larger companies that possibly offer some of the above discounts may include but are not limited to:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you need lower rates, check with each company how you can save money. Some of the earlier mentioned discounts might not be offered in your area. If you would like to view providers with discount insurance rates, click here to view.

You may need specialized insurance coverage coverage

When buying coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

• What exactly is covered by my policy?
• Which companies will insure high-risk drivers?
• Is other people’s property covered if stolen from my vehicle?
• How much underlying liability do I need for an umbrella policy?
• Does insurance cover damages from a DUI accident?
• Do I have newly-aquired coverage?
• Does my 2017 Mazda CX-3 need full coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Insurance coverages explained

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, repair bills for other people’s vehicles, bail bonds, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, damage from a tornado or hurricane, damage from flooding and theft. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include 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, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like surgery, ambulance fees and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay