2014 Mazda 3 Insurance Quotes

Finding better insurance prices for your Mazda 3 can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy auto insurance and we’ll show you the quickest way to get price quotes for a new or used Mazda and find the lowest possible price from local insurance agents and online providers.

You should take the time to get comparison quotes before your policy renews because prices go up and down regularly. Even if you think you had the best deal on 3 coverage a couple years back you can probably find a lower rate today. There are a lot of ways to save on auto insurance out there, but you can learn some great ways to save money.

Locating the cheapest auto insurance coverage is not that difficult. If you have a current auto insurance policy or are looking for a new policy, you can learn to find better prices and possibly find even better coverage. Vehicle owners only need an understanding of the tricks to get comparison rates online.

Mazda 3 insurance rate factors

Lots of things are used when premium rates are determined. Some of the criteria are obvious such as your driving history, although others are less obvious such as your credit history or your financial responsibility.

The list below includes some of the factors used by your company to calculate your rate level.

• How much liability coverage – Liability insurance will protect you if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Marriage is a factor – Getting married may earn you lower rates compared to being single. Having a significant other may mean you are more responsible and insurance companies reward insureds because married drivers get in fewer accidents.
• Better drivers pay less – Even one ticket can boost insurance rates to the point where it’s not affordable. Drivers with clean records have lower premiums than bad drivers. Drivers with severe citations such as DUI, reckless driving or excessive speeding may need to prove financial responsibility with the DMV in their state in order to legally drive a vehicle.
• If you don’t need it don’t buy it – Insurance policies have a lot of add-on coverages that sound like a good idea at the time if you aren’t careful. Coverages for personal injury protection, better glass coverage, and Farm Bureau memberships may be costing you every month. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Keep prices low by being claim-free – Auto insurance companies award the lowest premiums to insureds who are not frequent claim filers. If you file claims often, you can look forward to either higher rates or even cancellation. Your insurance policy is designed for major claims that would cause financial hardship.
• Drivers with excellent credit save – Your credit rating is a large factor in determining premium rates. If your credit history is low, you could save money insuring your 2014 Mazda 3 if you clean up your credit. People with high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit scores.

Insurance Discounts

Auto insurance companies don’t list all their discounts very clearly, so below is a list some of the more common in addition to some of the lesser obvious credits available to you.

• Onboard Data Collection – Insureds that choose to allow driving data submission to monitor when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
• Full Payment Discount – By making one initial payment instead of making monthly payments you can actually save on your bill.
• Own a Home and Save – Just owning your own home may trigger a policy discount on insurance because it is proof of financial responsibility.
• Defensive Driver Discounts – Taking a course in defensive driving may get you a small discount and also improve your driving technique.
• Drivers Ed for Students – Teen drivers should successfully complete driver’s ed class as it can save substantially.
• Lower Rates for Military – Being on active duty in the military could trigger a small discount.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any amount of discount will bring down your insurance premiums.

A few of the larger companies and a summarized list of policyholder discounts can be found below.

• Geico may include discounts for multi-vehicle, defensive driver, anti-theft, multi-policy, military active duty, and anti-lock brakes.
• Mercury Insurance may offer discounts for anti-theft, ease of repair, low natural disaster claims, age of vehicle, good student, and type of vehicle.
• Farmers Insurance may have discounts that include alternative fuel, mature driver, homeowner, switch companies, and pay in full.
• Auto-Owners Insurance discounts include multiple vehicles, multi-policy, anti-theft, air bags, safe driver, paperless, and paid in full.
• Liberty Mutual has savings for multi-car, exclusive group savings, hybrid vehicle, good student, preferred payment discount, and teen driver discount.
• SAFECO includes discounts for teen safety rewards, bundle discounts, homeowner, safe driver, anti-lock brakes, and drive less.
• Progressive offers discounts for multi-policy, multi-vehicle, online signing, good student, and homeowner.
• USAA offers discounts including vehicle storage, family discount, good student, multi-policy, and military installation.

Double check with each company which discounts you qualify for. A few discounts may not apply to policies in your area. If you would like to view companies who offer discounts, click this link.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

• What companies insure drivers after a DUI or DWI?
• How much underlying liability do I need for an umbrella policy?
• I have good health insurance, so how much medical payments coverage do I need?
• How much liability do I need to cover my assets?
• Am I covered if I drive in a foreign country?
• Do I have coverage for damage caused while driving under the influence?
• Can I drive in Mexico and have coverage?
• Who is covered when they drive my 2014 Mazda 3?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance policy specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance

This provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, medical expenses, emergency aid, structural damage and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like hospital visits, EMT expenses, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your 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

Coverage for collisions

This covers damage to your 3 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from getting keyed and theft. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t be a big spender

Consumers switch companies for a number of reasons such as denial of a claim, policy cancellation, policy non-renewal and even not issuing a premium refund. Regardless of your reason for switching companies, finding the right insurance coverage provider is not as difficult as it may seem.

Throughout this article, we presented a lot of techniques to save on 2014 Mazda 3 insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the best price on insurance coverage is with the smaller companies.

Cost effective 2014 Mazda 3 insurance is attainable on the web and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not offer the ability to get quotes online and most of the time these small, regional companies work with independent insurance agents.

To read more, link through to these articles:

• How to Avoid Staged Accidents (State Farm)
• Senior Drivers (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Coverage Information (Progressive Insurance)