2014 Mazda 3 Car Insurance Rates in 2024 – 5 Policy Discounts

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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 23, 2024

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Want lower insurance rates for your Mazda 3? Did you fall for a flashy sales pitch and buy an overpriced insurance policy? It’s a common feeling and there are lots of residents who feel the same. Insurance companies such as Progressive, GEICO and Farmers Insurance persistently shower you with catchy ads and it is difficult to see through the deception and find the best price available.

It’s a good idea to do rate comparisons on a regular basis because insurance prices change regularly. Despite the fact that you may have had the lowest rates on 3 coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to learn one of the quickest ways to find better rates and still maintain coverage.

Save a ton with these five car insurance discounts

Some insurers do not list the entire discount list very clearly, so we researched a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Good Students Pay Less – This discount may save you up to 25%. The good student discount can last well after school through age 25.
  • ABS Braking Discount – Cars with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Online Discount – Some of the larger companies will give you a small discount just for signing your application on the web.
  • Safety Course Discount – Completing a course teaching safe driver skills could save 5% or more if your company offers it.
  • Accident Free – Insureds with no claims or accidents pay less in comparison with bad drivers.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic.

Car insurance companies that may include these discounts include:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • AAA

If you are trying to find cheaper insurance coverage quotes, ask every company the best way to save money. Some discounts may not be offered in your area. If you would like to see a list of insurance companies that offer multiple discounts, enter your zip code here.

Insurance coverage can get complicated

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Should I buy additional glass protection?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I missing any policy discounts?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can my babysitter drive my car?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete your zip code. It is quick, free and can help protect your family.

Buyer beware of insurance coverage advertising tricks

Consumers can’t escape the ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all make the point that you’ll save big if you change to them.

It sounds good, but how can they all charge you less for car insurance? It’s all in the words they use.

Insurance providers have a certain “appetite” for the driver that makes them money. An example of a profitable risk profile might be between 25 and 40, owns a home, and drives less than 7,500 miles a year. Any new insured who matches that profile gets the lowest car insurance rates and have a good chance to save when they switch companies.

People who cannot meet the ideal profile will be quoted higher rates and this results in the customer not buying. The trick is to say “people that switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully lure you into getting a quote.

Because of this risk profiling, you really should quote coverage with many companies. Because you never know which insurance coverage company will have the lowest rates.

Specific coverages for a 2014 Mazda 3

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average car insurance policy.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages – Liability insurance provides protection from damage or injury you incur to a person or their property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, medical services and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for bills for things like surgery, X-ray expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, hail damage, damage from getting keyed and hitting a deer. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Have the Midas touch

You just read a lot of ways to lower your 2014 Mazda 3 insurance premium rates. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the lowest priced insurance comes from an unexpected company. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm and Allstate.

Affordable 2014 Mazda 3 insurance is definitely available online and from local insurance agents, so you need to shop insurance coverage with both to have the best selection. Some companies don’t offer the ability to get quotes online and these regional insurance providers prefer to sell through local independent agents.

When you buy insurance coverage online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced full coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

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