2011 Mazda Mazda3 Insurance Quotes

Searching for lower insurance rates for your Mazda Mazda3? Have you fallen victim to high-priced insurance? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out. Popular companies such as State Farm and Geico constantly blast consumers with ads and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

Don’t overlook these car insurance discounts

Not many people think insurance is cheap, but you might find some hidden discounts that many people don’t even know exist. Some of these disounts will be visible at the time of purchase, but some must be specially asked for prior to receiving the credit.

• College Student – Kids who live away from home to go to college and leave their car at home can receive lower rates.
• Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Mazda3 coverage than drivers with accidents.
• Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
• No Charge for an Accident – This one is not really a discount per se, but companies like State Farm, Progressive and Geico permit an accident before raising your premiums if you are claim-free before the accident.
• Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up on their website.

It’s important to understand that some credits don’t apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower your overall premium however.

The best car insurance companies and a partial list of their discounts are shown below.

• Progressive may include discounts for online signing, homeowner, continuous coverage, multi-policy, and multi-vehicle.
• MetLife offers premium reductions for good student, defensive driver, claim-free, multi-policy, good driver, and accident-free.
• Mercury Insurance may offer discounts for good student, professional/association, good driver, type of vehicle, location of vehicle, and annual mileage.
• Nationwide offers discounts including anti-theft, family plan, multi-policy, defensive driving, and Farm Bureau membership.
• Geico includes discounts for anti-lock brakes, daytime running lights, multi-vehicle, air bags, driver training, multi-policy, and anti-theft.
• AAA has discounts for pay-in-full, education and occupation, good student, multi-policy, and anti-theft.

Before you buy a policy, ask each company or agent which discounts they offer. A few discounts might not be offered in your area. If you would like to view insurers that have a full spectrum of discounts, click here to view.

When to get professional advice

When choosing the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining if your insurance needs may require specific advice.

• Is my 2011 Mazda Mazda3 covered for flood damage?
• Are all vehicle passengers covered by medical payments coverage?
• Should I drop comprehensive coverage on older vehicles?
• Do I need to file an SR-22 for a DUI in my state?
• Can my teen driver be rated on a liability-only vehicle?
• How high should my uninsured/underinsured coverage be in my state?
• Which companies will insure high-risk drivers?
• What is the minimum liability in my state?
• Should I file a claim if it’s only slightly more than my deductible?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Having a good grasp of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like funeral costs, dental work and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance – This covers 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 claims such as hitting a bird, vandalism and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Mazda Mazda3.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance – This provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like medical services, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision coverages – This coverage pays for damage to your Mazda3 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, rolling your car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

We just presented many ideas to reduce 2011 Mazda Mazda3 insurance rates online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. Drivers may discover the biggest savings come from a small local company. Smaller companies often have lower auto insurance rates on specific markets as compared to the big name companies such as Geico and State Farm.

When searching for the cheapest insurance quotes, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Other resources

• Bodily Injury Coverage (Liberty Mutual)
• Cellphones, Texting and Driving (iihs.org)
• Coverage Information (Progressive Insurance)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)