2014 Mazda Mazda3 Insurance Rates in 2024 – 10 Tricks for Cheapest Quotes

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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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Want lower car insurance rates for your Mazda Mazda3? Are you regretting buying an underperforming, overpriced car insurance policy? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out. You have multiple insurers to pick from, and although it’s nice to be able to choose, so many choices can make it hard to find the best rates for your vehicles.

Take advantage of every car insurance discount

Car insurance can be pricey, but you may find discounts to help bring down the price. Some of these discounts will be visible when you complete an application, but some may not be applied and must be asked for before you get the savings.

  • Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
  • Early Switch Discount – Some insurance companies reward drivers for renewing your policy early. You can save around 10% with this discount.
  • Clubs and Organizations – Being in qualifying clubs or civic groups could qualify you for a break on car insurance.
  • Distant Student – who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
  • Multi-line Discount – If the company offers life insurance, you could get lower rates if you buy a life insurance policy as well.
  • 55 and Retired – Older drivers are able to get reduced rates for Mazda3 insurance.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% for Mazda3 insurance than drivers with accidents.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because newer models keep occupants safer.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky.

A few popular companies and some of the premium reductions they offer are included below.

  • The Hartford offers discounts for air bag, driver training, vehicle fuel type, anti-theft, bundle, and defensive driver.
  • American Family offers premium reductions for multi-vehicle, air bags, Steer into Savings, early bird, accident-free, and bundled insurance.
  • Progressive may offer discounts for online signing, online quote discount, continuous coverage, multi-policy, homeowner, good student, and multi-vehicle.
  • Travelers has discounts for payment discounts, good student, new car, IntelliDrive, and driver training.
  • Farmers Insurance offers discounts including mature driver, teen driver, electronic funds transfer, pay in full, distant student, business and professional, and bundle discounts.
  • USAA may have discounts that include multi-vehicle, multi-policy, family discount, defensive driver, vehicle storage, annual mileage, and safe driver.
  • Liberty Mutual may include discounts for safety features, new graduate, newly retired, hybrid vehicle, and preferred payment discount.

Double check with every prospective company which discounts you qualify for. Some discounts listed above might not be offered in your area. To find car insurance companies who offer cheap car insurance quotes, enter your zip code here.

How to buy car insurance

There are multiple methods you can shop for car insurance and some are more efficient than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to get prices fast.

Many insurance companies belong to an insurance system that enables customers to submit one quote, and each company then returns a price quote based on that data. This system prevents you from having to do repetitive form submissions for every car insurance company. To enter your information into the quoting system, enter your zip code here.

One minor caveat to using this type of form is you can’t choose which companies to receive prices from. So if you want to select specific insurance companies to request quotes from, we have a listing of the cheapest car insurance companies in your area. Click to enter zip code for insurance companies.

It’s your choice how you get your quotes, but make sure you compare identical deductibles and coverage limits for each quote you get. If each company quotes different coverage information it will be impossible to decipher which rate is best.

How to know if you need help

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Is a fancy paint job covered?
  • Why am I required to buy liability insurance?
  • When should I drop full coverage on my 2014 Mazda Mazda3?
  • Do I need medical payments coverage since I have good health insurance?
  • When would I need rental car insurance?
  • Can my teen drive my company car?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Auto liability

This provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims such as structural damage, emergency aid and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mazda Mazda3.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, hitting a bird, damage from flooding and a tree branch falling on your vehicle. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses for rehabilitation expenses, doctor visits, dental work and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Have money to burn

In this article, we covered a lot of techniques to shop for 2014 Mazda Mazda3 insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. They often have lower car insurance rates on specific markets than their larger competitors like State Farm or Progressive.

Affordable 2014 Mazda Mazda3 insurance can be found on the web and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and usually these smaller companies sell through independent agents.

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