Compare 2016 Mazda 3 Car Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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 23, 2024

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Are you irritated from robbing Peter to pay Paul to buy insurance coverage? You’re in the same situation as most other vehicle owners. You have so many insurers to pick from, and although it’s nice to be able to choose, it makes it harder to find the best rates.

Choosing the best insurance company for you is not rocket science. If you have a policy now or need a new policy, you can use these techniques to find the best rates and still get good coverage. Drivers just need to learn the best way to compare company rates online.

More discounts mean lower-cost premiums

Some providers do not advertise all available discounts in an easy-to-find place, so the next list breaks down both the well known as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

  • Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
  • Own a Home and Save – Just being a homeowner can save a few bucks because maintaining a house requires a higher level of personal finance.
  • Telematics Data – Drivers that enable their insurance coverage company to study where and when they drive by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.
  • Discounts for New Vehicles – Buying a new car model can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Low Mileage – Keeping the miles down on your Mazda may enable drivers to earn discounted premium rates on garaged vehicles.
  • Accident Forgiveness Coverage – Not really a discount, but a few companies such as GEICO and Allstate will allow you to have one accident before they charge you more for coverage if you have no claims prior to being involved in the accident.
  • Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease for 3 coverage depending on your insurance coverage provider.
  • Seat Belts Save – Requiring all passengers to buckle up before driving can save a little off PIP or medical payments premium.

Consumers should know that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates you can get free auto insurance, companies don’t profit that way. But any discount will positively reduce your overall premium however.

Some companies who might offer these money-saving discounts include:

  • State Farm
  • MetLife
  • 21st Century
  • Progressive

If you are trying to find inexpensive car insurance quotes, ask every company how many discounts you can get. All car insurance discounts may not apply in your area.

Cheap car insurance rate quotes

Finding more affordable car insurance quotes is actually easier than you may think. Drivers just need to take the time to compare free car insurance quotes to discover which company has the cheapest car insurance quotes. Insurance prices can be quoted in just a few minutes using one of these methods.

  1. The most efficient method consumers can make multiple comparisons is to use a rate comparison form. This quick form saves time by eliminating separate forms for every company. In just a few minutes this one form will get you rate comparisons from many national carriers.
  2. A more time consuming way to find better pricing is to manually visit each company’s website and complete a new quote form. For instance, we’ll pretend you are doing a rate comparison from Farmers, State Farm and American Family. To do that, you would have to navigate to each company’s site to input your insurance information, which can get rather old.
  3. The old school method to comparison shop rate quotes is driving to insurance agents’ offices. Doing it all online has made agencies unnecessary unless you have a complicated situation and need the guidance of a local agency. You can, however, obtain prices from the web but still have the advice of a local agent.

The method you choose is up to you, but make sure you compare equivalent coverage limits and deductibles on every quote. If you use differing limits it will be nearly impossible to get a fair rate comparison.

Components of your Mazda 3 insurance costs

Many different elements are considered when premium rates are determined. Most are fairly basic like your driving record, although some other factors are less obvious such as whether you are married or your commute time.

The factors shown below are some of the items auto insurance companies consider when setting your rates.

  • Experienced drivers save more – More mature drivers are viewed as being more responsible, cause fewer claims and accidents and receive fewer citations. Inexperienced drivers are statistically shown to be less responsible when driving with friends and because of this, their auto insurance rates are much higher.
  • More than one policy can earn a discount – Most major companies afford discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to help guarantee you have the best rates.
  • Can a thief steal your car? – Selecting a car model with advanced anti-theft systems can get you a discount on your auto insurance. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all hinder vehicle theft.
  • Drivers with high credit save on auto insurance – A driver’s credit rating can be an important factor in determining premium rates. If your credit history leaves room for improvement, you may save money insuring your 2016 Mazda 3 by improving your credit score. Insureds that have very high credit ratings tend to file fewer claims than drivers who have poor credit.
  • Liability coverage risk factors in – Liability insurance is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. It will provide legal defense starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Higher coverage deductibles are cheaper – Insurance for physical damage, also called ‘full coverage’, helps pay for damage to your vehicle. Some examples of covered claims would be a broken windshield, vandalism, and rolling your vehicle. The deductibles represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. The more expense you choose to pay out-of-pocket, the less money you will pay for auto insurance for 3 coverage.
  • Is auto insurance cheaper for women or men? – Over time, data shows women are more cautious behind the wheel. However, don’t assume that women are better drivers. Females and males cause accidents in similar percentages, but men get into accidents with more damage. Not only are claims higher, but men get more serious tickets such as DWI and reckless driving. Young males are most likely to cause an accident and are penalized with high auto insurance rates.

It’s not one size fits all

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if you will benefit from professional help.

  • Is extra glass coverage worth it?
  • Do I need replacement cost coverage?
  • Who is covered by my policy?
  • Why am I required to buy high-risk coverage?
  • Is my teenager covered with friends in the car?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete your zip code. It’s fast, free and can help protect your family.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads that claim the best prices from companies such as GEICO, State Farm and Progressive. All the ads advertise claims that people will save if you move your policy.

Is it even possible that every company can give you a better price?

Car insurance companies have specific guidelines for a prospective insured that earns them the most money. A good example of a preferred risk might have to be between the ages of 30 and 50, has few claims, and drives less than 10,000 miles a year. A driver who fits those characteristics gets the lowest rates and most likely will save quite a bit of money when switching.

People who cannot meet this ideal profile may receive a higher premium which results in the customer buying from someone else. The trick companies use is to say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can make those claims. That is why you really should get car insurance quotes from several different companies. Because without a comparison, you cannot know with any certainty which company will have the best prices.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Collision coverages – This will pay to fix damage to your 3 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, crashing into a building, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, surgery and EMT expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability – Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, medical services and medical expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your 2016 Mazda 3.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance – Comprehensive insurance coverage covers 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 insurance covers things such as damage from a tornado or hurricane, damage from flooding, falling objects and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Make an honest buck

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, someone sacrificed physical damage coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

You just learned a lot of techniques to get a better price on 2016 Mazda 3 insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your car insurance rates. Consumers may even find the lowest priced auto insurance comes from the least-expected company. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

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