2014 Mazda 3 Insurance Quotes – 6 Discounts for Best Rates

Trying to find lower insurance coverage rates for your Mazda 3? Are you regretting the purchase of an overpriced insurance coverage policy? It’s a common feeling and many drivers feel the same as you. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurer to find the lowest rate possible.

Compare car insurance quotes online

Shopping for lower car insurance rates can be challenging if you don’t understand the easiest way. You can waste a lot of time talking about coverages with agents in your area, or you could save time and use the internet to get prices fast.

Many of the larger companies participate in an industry program that allows shoppers to submit their information once, and every company returns a competitive quote based on that information. This system prevents you from having to do form submissions to each individual car insurance company.

To find out how much you’re overpaying now click to open in new window.

The only downside to comparing rates this way is buyers cannot specifically choose the companies to get pricing from. So if you want to select individual companies to request quotes from, we have a page of low cost car insurance companies in your area. Click to view list.

However you get your quotes, make sure you are using the same information for every company. If you use higher or lower deductibles you will not be able to find the best deal for your Mazda 3.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • How does medical payments coverage work?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy full coverage?
  • Should I carry comprehensive and collision coverage?
  • Will filing a claim cost me more?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy specifics

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses for surgery, nursing services, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mazda 3.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability insurance – Liability coverage provides protection from damage or injury you incur to other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things like bail bonds, structural damage, legal defense fees, court costs and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Collision coverages – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, colliding with another moving vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, rock chips in glass, falling objects, theft and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.