Lower Your 2016 Mazda Mazda3 Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Searching for better car insurance rates for your Mazda Mazda3? Locating the most affordable car insurance may at first seem to be problematic for comparison shopping online. With so many agents and companies in the marketplace, how can people be able to compare every car insurance company to find the best available rates?

Smart consumers take time to shop coverage around before your policy renews due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the lowest quotes for Mazda3 coverage last year you can probably find a better rate now. You can find a lot of wrong information about car insurance on the internet, but I’m going to show you some proven techniques to lower your car insurance premiums.

How to find low cost car insurance

There are several ways you can shop for car insurance but there is one way that is easier and takes less work. You could spend the better part of a day talking to insurance companies in your area, or you could save time and use online quotes for quick rates.

Many insurance companies participate in a marketplace where prospective buyers send in one quote, and every company then returns a price quote. This system prevents you from having to do repetitive form submissions to every company.

To submit your quote information now, enter your zip code here.

The only drawback to using this type of form is that you can’t choose the providers you want to price. So if you prefer to choose individual companies to request quotes from, we have a listing of low cost car insurance companies in your area. Click to enter zip code.

However you get your quotes, ensure you are comparing the same coverages for each price quote. If the quotes have differing limits it’s not possible to make an equal comparison. Even a minor difference in coverages could throw off the whole comparison. Just remember that getting more free quotes helps increase your odds of locating more affordable rates.

But the ad said I’d save 15% in 15 minutes!

Insurance companies such as State Farm and Allstate endlessly run television, radio, and online ads. They all seem to make the point that people will save just by switching your insurance policy to them. How does every company charge you less for car insurance? Here is the trick they use.

All the different companies have underwriting criteria for the type of driver that earns them the highest profit. A good example of a driver they prefer might have to be over age 30, has few claims, and chooses high deductibles. A driver who fits those characteristics will get a cheap rate quote and is almost guaranteed to save when they switch companies.

Insureds who don’t qualify for these standards will get a more expensive rate which translates to business going elsewhere. If you listen to the ad wording, they say “people that switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can confidently make those claims.

This emphasizes why you should compare quotes as often as possible. It’s impossible to know the company that will have better car insurance rates than you’re paying now.

Smart choices result in lower insurance premiums

Part of the auto insurance buying process is learning some of the things that are used to determine your auto insurance rates. If you know what controls the rates you pay, this enables informed choices that could result in lower rates.

  • Rates increase with driving citations – Drivers with clean records have lower premiums than people who have multiple driving citations. Even a single driving citation could increase your next policy renewal by twenty percent. Drivers who get multiple tickets such as DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with their state in order to keep their license.
  • Lower rates for cars with good safety ratings – Vehicles with high crash test scores are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries means your insurance company pays less and cheaper rates on your policy. If your Mazda Mazda3 is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Insurance rates in urban areas – Having an address in small towns and rural areas can save you money when it comes to auto insurance. Drivers in populated areas have more road rage incidents and more severe claims. Less people living in that area means fewer accidents in addition to fewer liability claims.
  • Is your vehicle theft-ready? – Driving a car with a theft deterrent system can earn a premium discount. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.

Find hidden discounts to get affordable auto insurance quotes

Companies that sell car insurance do not list every possible discount very clearly, so the next list breaks down both the well known as well as the least known credits available to you.

  • Telematics Devices – Policyholders that allow driving data collection to spy on driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as they are good drivers.
  • Safety Course Discount – Taking a safe driver course could earn you a small percentage discount and easily pay for the cost of the class.
  • Early Switch Discount – Select companies give a discount for signing up early. This can save 10% or more.
  • Resident Student – Youth drivers who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
  • Discounts for Responsible Drivers – Insureds without accidents may receive a discount up to 45% for Mazda3 coverage than less cautious drivers.
  • Low Miles Discount – Low mileage vehicles could be rewarded with lower prices due to less chance of an accident.

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

The best auto insurance companies and some of the premium reductions they offer are outlined below.

  • 21st Century may offer discounts for theft prevention, 55 and older, automatic seat belts, student driver, driver training, and defensive driver.
  • State Farm includes discounts for good driver, student away at school, passive restraint, driver’s education, and safe vehicle.
  • AAA may include discounts for good student, multi-policy, pay-in-full, good driver, and anti-theft.
  • Liberty Mutual offers discounts for preferred payment discount, multi-policy, newly retired, teen driver discount, good student, new graduate, and multi-car.
  • Progressive has savings for homeowner, multi-policy, online signing, continuous coverage, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to each company or agent to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your area. To see auto insurance companies with significant discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage, there is no perfect coverage plan. Every situation is different.

For instance, these questions may help highlight whether you could use an agent’s help.

  • Does my medical payments coverage pay my health insurance deductible?
  • What exactly is covered by my policy?
  • Are rental cars covered under my policy?
  • How do I file an SR-22 for a DUI in my state?
  • When should I drop full coverage on my 2016 Mazda Mazda3?
  • Why is insurance for a teen driver so high?
  • What is PIP insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How high should deductibles be on a 2016 Mazda Mazda3?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Car insurance coverages for a Mazda Mazda3

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability – Liability coverage provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles, legal defense fees, funeral expenses and pain and suffering. 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.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, falling objects, damage from getting keyed and damage from flooding. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses such as nursing services, X-ray expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision – This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, damaging your car on a curb, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

A little work can save a LOT of money

People leave their current company for any number of reasons including unfair underwriting practices, delays in responding to claim requests, delays in paying claims and policy cancellation. No matter why you want to switch, switching insurance coverage companies is easier than you think.

As you restructure your insurance plan, never reduce needed coverages to save money. In many instances, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Cheaper 2016 Mazda Mazda3 insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not have online quoting and usually these regional insurance providers work with local independent agencies.

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