2009 Mazda 3 Insurance Cost

Finding better insurance prices for your Mazda 3 can turn out to be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to buy car insurance and we’ll show you the absolute fastest way to get price quotes for your Mazda and find the cheapest rates from both online companies and local agents.

It’s a great practice to shop coverage around before your policy renews since prices change regularly. If you had the best rate for 3 coverage a couple years back the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the best methods to properly buy coverages while reducing your premium.

How do insurers determine Mazda 3 insurance costs?

Multiple criteria are taken into consideration when pricing auto insurance. Some of the criteria are obvious like an MVR report, but some are less obvious such as whether you are married and annual miles driven.When buying insurance it’s important to understand the factors that go into determining your insurance rates. When you understand what influences your rates, this helps enable you to make changes that will entitle you to lower rates.

• Lower rates with a multi-policy discount – Most major companies provide discounts for people that buy multiple policies, otherwise known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to shop around to ensure the best deal. You may still save money by buying insurance from a different company.
• Save by driving cars with good safety ratings – Cars with high safety ratings tend to have better insurance rates. Highly rated vehicles protect occupants better and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy. If your Mazda 3 scored at minimum four stars on Safercar.gov you may pay a lower rate.
• Liability protection is important – Your insurance policy’s liability coverage will afford coverage when you are found liable for personal injury or accident damage. Your liability coverage provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Women tend to take less risk – Over the last 30 years, statistics show females are less aggressive when driving. However, this does not mean females are better at driving than males. They both are in at-fault accidents in similar percentages, but the male of the species have accidents that have higher claims. They also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are the most expensive to insure and thus pay the highest rates.
• Alarms and GPS tracking lower rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft and help lower rates.
• Your vocation and insurance rates – Occupational choices like real estate brokerspolice officers and stock brokers generally have higher rates than the rest of us because of intense work-related stress and lengthy work days. On the other hand, occupations such as farmers, athletes and homemakers generally pay rates lower than average for 3 coverage.

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How to buy insurance online

Shopping for lower insurance rates can be exhausting if you don’t utilize the most efficient way to do it. You could waste time talking about coverages with agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies belong to a marketplace that allows shoppers to send in one quote, and each company can give them a price based on that data. This eliminates the need for quotation requests to each individual insurance company. To participate in this free quote system, click to open in new window.

The one downside to using this type of form is buyers cannot specifically choose the insurers you want pricing from. So if you want to select from a list of companies to compare prices, we have a listing of the cheapest insurance companies in your area. Click here to view list.

The method you choose is up to you, but ensure you are comparing the exact same quote data for each price quote. If you use different data you can’t possibly determine which company has the best rates.

Get lower-cost auto insurance rates with discounts

Some providers don’t always publicize every possible discount very well, so the next list breaks down some of the best known and also the lesser-known credits that you can use to lower your rates.

• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
• Bundled Policy Discount – If you combine your auto and home policies with the same company you may save as much as 10 to 15 percent.
• Government Employees – Employees or retirees of the government may reduce rates when you quote auto insurance for 3 coverage but check with your company.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like State Farm and Progressive will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Distant Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
• Save with a New Car – Buying a new car model can save you some money since new model year vehicles have better safety ratings.
• Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
• Service Members Pay Less – Being on active duty in the military could qualify you for better prices.
• Good Driver Discount – Drivers who avoid accidents may receive a discount up to 45% for 3 coverage as compared to drivers with claims.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

A few companies that possibly offer these discounts include:

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

Check with every company how many discounts you can get. Depending on the company, some discounts might not be offered in your area. For a list of companies that offer some of these discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

• I have a DUI can I still get coverage?
• Am I covered if I crash into my own garage door?
• Do I need PIP coverage since I have good health insurance?
• Is my nanny covered when driving my vehicle?
• Is my dog or cat covered if injured in an accident?
• Does my policy cover my teen driver if they drive my company car?
• What can I do if my company denied a claim?
• Does my policy pay for OEM or aftermarket parts?
• How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

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Car insurance 101

Learning about specific coverages of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Mazda 3.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses like rehabilitation expenses, hospital visits, funeral costs, ambulance fees and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, hail damage, falling objects and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance – This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like bail bonds, court costs, repair bills for other people’s vehicles, structural damage and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

A little work can save a LOT of money

Drivers change insurance companies for a number of reasons such as lack of trust in their agent, questionable increases in premium, denial of a claim and even not issuing a premium refund. It doesn’t matter why you want to switch switching auto insurance companies can be easy and end up saving you some money.

Cheaper auto insurance can be found online in addition to local insurance agencies, so you need to quote auto insurance with both to have the best rate selection. Some insurance providers don’t offer price quotes online and usually these regional insurance providers only sell coverage through independent agents.

We just showed you a lot of tips how to get a better price on 2009 Mazda 3 insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies.

Additional detailed information is available by following these links:

• Auto Insurance Basics (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)

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