Cheap 2023 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 lower auto insurance rates for your Mazda Mazda3? Pretty sure you bought an expensive auto insurance policy? Believe me, you’re not the only one.

Due to the fact that there are so many choices of insurance companies, it can be difficult for drivers to locate a more affordable auto insurance provider.

It’s a great practice to do rate comparisons on a regular basis due to the fact that insurance prices are variable and change quite frequently. Just because you found the lowest quotes for Mazda3 coverage a few years ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re going to learn the fastest and easiest way to find better rates and still maintain coverage.

Locating affordable car insurance is quite easy. In a nutshell, anyone who carries car insurance will more than likely be able to cut their insurance bill. But car owners do need to understand how insurance companies compete online and apply this information to your search.

Get more affordable insurance with these tips

Lots of things are taken into consideration when you get a price on insurance. Some factors are common sense like a motor vehicle report, but other criteria are less obvious such as your credit history or your vehicle rating. When buying insurance it’s important to understand the factors that help determine the rates you pay for insurance. When you understand what determines base rates, this allows you to make educated decisions that may result in lower insurance prices.

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

  • Discounts for married couples – Having a spouse helps lower the price on your policy. Having a spouse may mean you are more responsible it has been statistically shown that married drivers tend to file fewer claims.
  • Traffic violations can increase costs – Even a single speeding ticket can increase rates forty percent or more. Careful drivers pay lower auto insurance prices than bad drivers. Drivers who have license-revoking violations such as reckless driving or DUI may find that they have to to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Save money with higher coverage deductibles – Comp and collision deductibles state the amount of money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be colliding with a stationary object, hail damage, or theft of your vehicle. The higher the amount you’re willing to pay, the lower your rates will be for Mazda3 coverage.
  • Save money with alarms and GPS tracking – Owning a car that has an advanced theft prevention system can help lower your rates. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder vehicle theft.
  • Stay claim-free and lower premiums – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies award the lowest premiums to insureds who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Big cities mean more claims – Residing in less populated areas of the country has definite advantages when buying insurance. Urban drivers have to deal with more traffic problems and higher rates of accident claims. Less people living in that area means fewer accidents in addition to lower liability claims
  • Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings are cheaper to insure. Safe vehicles reduce occupant injuries and lower injury rates means less money paid by your insurance company and cheaper rates on your policy. If your Mazda Mazda3 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

How to get free insurance coverage quotes online

To find the best insurance coverage quotes, there are several ways to obtain and compare prices from local insurance coverage companies. The best method to compare 2023 Mazda Mazda3 insurance prices is to get quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form. This type of form prevents you from having to do multiple quote forms for each price estimate. One form submission gets insurance cost estimates from many national carriers.

A different way to get quotes online is going to the website of each company and repeat the quote process. For examples sake, let’s assume you want to see prices from Farmers, Progressive and American Family. In order to get each rate, you would have to spend time on each company’s site and punch in your information repeatedly, which can get old fast.

It’s up to you which method you use, but do your best to enter the exact same information for each price quote. If you use differing limits it will be nearly impossible to determine which company has the best rates. Slightly different coverage limits may cause a big price difference. Just keep in mind that comparing all the rates in your area helps increase your odds of locating better pricing.

Discount insurance coverage quotes

Insurance coverage is not inexpensive, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be inquired about prior to receiving the credit.

  • Membership in Organizations – Joining a qualifying organization could trigger savings on your policy.
  • Multi-policy Discount – If you can combine your auto and homeowners policy with one company you could get a discount of up to 20% off your total premium.
  • Accident Free – Claim-free drivers pay much less when compared to accident-prone drivers.
  • Student in College – Older children living away from home attending college and won’t have access to an insured vehicle may be able to be covered for less.
  • Early Renewal Discounts – A few insurance companies allow discounts for buying a policy before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% for Mazda3 coverage depending on your company.
  • Good Student – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will definitely lower the amount you pay for coverage.

A few popular companies and their possible discounts are detailed below.

  • American Family discounts include bundled insurance, good student, defensive driver, early bird, air bags, TimeAway discount, and mySafetyValet.
  • Farm Bureau includes discounts for youthful driver, 55 and retired, safe driver, driver training, good student, multi-vehicle, and multi-policy.
  • State Farm offers discounts including Drive Safe & Save, student away at school, anti-theft, Steer Clear safe driver discount, defensive driving training, and good driver.
  • Travelers may have discounts that include student away at school, new car, continuous insurance, multi-car, home ownership, save driver, and IntelliDrive.
  • The Hartford policyholders can earn discounts including good student, driver training, air bag, anti-theft, defensive driver, bundle, and vehicle fuel type.
  • GEICO offers premium reductions for anti-theft, driver training, membership and employees, federal employee, daytime running lights, and multi-policy.
  • Progressive has discounts for multi-vehicle, multi-policy, online signing, online quote discount, good student, and continuous coverage.

When comparing rates, check with all the companies what discounts are available to you. Some discounts listed above may not apply to policies in every state. If you would like to view providers who offer free insurance coverage quotes, enter your zip code here.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Who is covered by my policy?
  • Why am I required to buy liability insurance?
  • Can I still get insurance after a DUI?
  • Do I need PIP coverage since I have good health insurance?
  • Where can I find DUI or SR-22 insurance?
  • When can my company non-renew my policy?
  • Does liability extend to a camper or trailer?
  • Do I need medical payments coverage since I have good health insurance?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and enter your zip code.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

Collision coverage protection

Collision coverage will pay to fix damage to your Mazda3 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle, damaging your car on a curb, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses like surgery, X-ray expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer, damage from getting keyed, damage from flooding and a broken windshield. The maximum payout a car 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 probably time to drop comprehensive insurance.

Liability coverage

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as structural damage, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liability limits.

A tidy conclusion

When getting car insurance quotes online, it’s not a good idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

In this article, we covered some good ideas how you can compare 2023 Mazda Mazda3 insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the best car insurance rates are with a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

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