Compare 2012 Mazda Mazda3 Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 19, 2024

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Looking for cheaper insurance rates for your Mazda Mazda3? No car owner is fond of buying insurance, especially knowing they could find lower prices if they just compared rates. Having so many choices, it’s nearly impossible to find the best insurance provider.

Save a ton with these insurance coverage discounts

Some insurers do not advertise every possible discount in an easy-to-find place, so the next list breaks down both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Bundled Policy Discount – If you insure your home and vehicles and place coverage with the same company you may earn up to 20% and get you the cheapest insurance.
  • Switch and Save Discount – A few larger companies offer discounts for switching to them before your current expiration date. It could save around 10% when you buy insurance online.
  • Accident Waiver – This one isn’t a discount, but certain companies will let one accident slide before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Military Discounts – Having a deployed family member may lower your premium rates slightly.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
  • Own a Home and Save – Just owning your own home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Defensive Driver – Taking a class that teaches defensive driving techniques could cut 5% off your bill and make you a better driver.
  • Distant Student Discount – Any of your kids who are attending college and do not have a car may be insured at a cheaper rate.

As is typical with insurance, some credits don’t apply to the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

Some of the insurance companies that possibly offer some of the above discounts include:

  • Farmers Insurance
  • State Farm
  • Liberty Mutual
  • MetLife
  • Progressive

Before purchasing a policy, check with every insurance company the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your area. To locate insurance companies that have a full spectrum of discounts, enter your zip code here.

Buy auto insurance online

Getting a more affordable price on 2012 Mazda Mazda3 insurance is an easy way to save money. The only thing you need to do is spend a few minutes on the computer to compare rate quotes from online providers. This can easily be done using a couple different methods.

  1. One of the fastest ways to get quotes for comparison is an all-inclusive rate comparison. This form saves time by eliminating repetitive form submissions for each price estimate. One quote request will return price quotes instantly.
  2. A slightly less efficient method to get quotes online consists of going to each company website and fill out a new quote form. For example, let’s say you want to compare rates from Liberty Mutual, Allstate and GMAC. You would have to spend time going to each site individually and repeatedly type in your coverage information, which is why most consumers use the first method.
  3. If you have time to kill, the last method to get price estimates is driving around to local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the advice and guidance of a licensed agent. Although you can get the lowest quotes online but buy from a local insurance agent.

However you get your quotes, be sure you’re using apples-to-apples coverages and limits for each price quote. If you are comparing mixed coverages you will not be able to truly determine the lowest rate.

Insurance can get complicated

When it comes to buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions might point out whether or not you may require specific advice.

  • Am I covered when delivering products for my home-based business?
  • How high should deductibles be on a 2012 Mazda Mazda3?
  • Should I sign the liability waiver when renting a car?
  • Is my teen driver covered when they drive my company car?
  • Which is better, split liability limits or combined limits?
  • What can I do if my company denied a claim?
  • Is a blown tire covered by insurance?
  • Is upholstery damage covered by car insurance?
  • Do I need replacement cost coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out your zip code. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like court costs, repair costs for stationary objects, legal defense fees, funeral expenses and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a deer, falling objects and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like prosthetic devices, funeral costs, X-ray expenses, nursing services and hospital visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays for damage to your Mazda3 resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, hitting a mailbox, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

At the end of the day…

When getting insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t have enough coverage. The goal is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Some auto insurance companies do not provide online rate quotes and many times these small insurance companies prefer to sell through independent agencies. Discount 2012 Mazda Mazda3 insurance can be found both online and from local agencies, so compare prices from both to have the best chance of lowering rates.

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