View 2013 Mazda Mazda3 Insurance Rates

Looking for the cheapest car insurance rates for your Mazda Mazda3? Saving money on Driverscar insurance is difficult for drivers new to quoting coverage prices online. You have so many companies to choose from that it can quickly become a chore to locate the lowest rates.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. But car owners need to learn how insurance companies sell insurance online and use this information to your advantage.

Earn discounts on auto insurance

Some providers don’t always publicize every available discount very clearly, so the following list contains both the well known and also the more inconspicuous discounts that may be available.

  • Service Members Pay Less – Being deployed with a military unit could trigger a small discount.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use their safety belts could save 15% off the medical payments premium.
  • Accident Waiver – This one isn’t a discount, but some companies like GEICO and Liberty Mutual will turn a blind eye to one accident without the usual rate increase if you are claim-free for a certain period of time.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
  • Switch and Save Discount – Some insurance companies give discounts for switching to them before your current coverage expires. This discount can save up to 10%.
  • Homeowners Savings – Owning a home can earn you a little savings because maintaining a house means you have a higher level of financial diligence.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that possibly offer most of these discounts may include but are not limited to:

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some discounts may not apply to policies in your area. To view insurers that offer some of these discounts, follow this link.

Ways to get insurance coverage rate quotes

There are a lot of ways to compare insurance coverage quotes, but some are less labor-intensive and much quicker. You can waste hours driving to insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

All the larger companies belong to an insurance system that allows shoppers to send in one quote, and every company then returns a price quote based on the submitted data. This eliminates the need for quote requests to each company.

To get comparison pricing now click to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose which providers you want to price. So if you want to select individual companies to compare, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

Compare rates however you want, just try to keep the exact same deductibles and coverage limits for each price quote. If your comparisons have different coverage information it will be very difficult to make an equal comparison. Having just a slight variation in coverage limits may result in large price differences. Just remember that getting more free quotes helps improve the odds of finding more affordable rates. Some smaller insurers to not give online rate quotes, so you should also compare quotes from them as well.

Informed drivers can save money

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for insurance coverage. When you understand what determines base rates, this enables you to make decisions that may result in big savings. Lots of factors are used when quoting car insurance. Most are fairly basic like your driving record, but other factors are not quite as obvious like your continuous coverage or how safe your car is.

The list below includes some of the major factors used by companies to determine your premiums.

  • What’s your car’s NHTSA crash test rating? – Safer cars tend to be cheaper to insure. Vehicles built for safety reduce occupant injuries and any reduction in injury severity means your insurance company pays less and lower rates for you. If the Mazda Mazda3 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Single drivers may pay more – Getting married can get you a discount when shopping for insurance coverage. It may mean you are more financially stable and statistics prove drivers who are married file infrequent claims.
  • Discounts for GPS tracking and theft deterrents – Choosing a vehicle with advanced anti-theft systems can get you a discount on your insurance coverage. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
  • High physical damage deductibles reduce rates – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Mazda. Some coverage claims are running into the backend of another car, hitting a deer, and having your car stolen. Physical damage deductibles are the amount of money you are required to spend before your insurance coverage pays a claim. The more of the claim you choose to pay out-of-pocket, the less money you will pay for insurance coverage on Mazda3 insurance.
  • Your occupation and insurance coverage rates – Do you work in a high-stress field? Jobs like doctors, social workers and medical professionals are shown to have higher premium rates in part from job stress and lots of time spent away from family. Other jobs such as farmers, engineers and performers generally pay rates lower than average on Mazda3 insurance.

Tailor your car insurance coverage to you

When choosing coverage, there isn’t really a best way to insure your cars. Each situation is unique.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • How much liability coverage do I need in my state?
  • When should I drop full coverage on my 2013 Mazda Mazda3?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Where can I find high-risk insurance?
  • Should I put collision coverage on all my vehicles?
  • Why is insurance for a teen driver so high?
  • Can I afford low physical damage deductibles?
  • When can my company non-renew my policy?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy coverages for a 2013 Mazda Mazda3

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverages – Collision coverage covers damage to your Mazda3 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses such as doctor visits, nursing services, prosthetic devices and EMT expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – This coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, loss of income, emergency aid, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your 2013 Mazda Mazda3.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Get your money’s worth

Consumers who switch companies do it for any number of reasons including high prices, extreme rates for teen drivers, high rates after DUI convictions and policy non-renewal. It doesn’t matter what your reason, finding a great new company is less work than it seems.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. In many instances, someone sacrificed physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage for the lowest cost while still protecting your assets.

Cheap 2013 Mazda Mazda3 insurance is definitely available online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer rate quotes online and these small, regional companies prefer to sell through independent agents.

More detailed car insurance information can be read at these sites: