How Much Does 2019 Mazda 3 Insurance Cost in 2024?

Are you at wits end from scraping nickels together each month for car insurance? You are in the same boat as the majority of other people. There is such a variety of insurers to pick from, and although it’s a good thing to have a choice, having more insurers makes it harder to compare company pricing.

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Drivers just need to understand how to shop online.

You may qualify for discounts

Auto insurance is not cheap nor is it fun to buy but there could be available discounts that you may not even know about. Some discounts will apply when you complete an application, but a few need to be asked for prior to receiving the credit.

• Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts up to 30%.
• Drive Safe and Save – Drivers without accidents could pay up to 40% less for 3 insurance than drivers with accident claims.
• Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out a life policy as well.
• Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, nobody gets a free ride.

Large auto insurance companies and some of the premium reductions they offer are included below.

• GEICO includes discounts for seat belt use, driver training, air bags, federal employee, daytime running lights, military active duty, and anti-theft.
• Travelers discounts include payment discounts, save driver, hybrid/electric vehicle, IntelliDrive, multi-policy, and continuous insurance.
• Nationwide may include discounts for anti-theft, Farm Bureau membership, multi-policy, defensive driving, business or organization, accident-free, and good student.
• Farmers Insurance offers discounts for electronic funds transfer, distant student, teen driver, early shopping, bundle discounts, and homeowner.
• Esurance has discounts for safety device, claim free, Switch & Save, good driver, paid-in-full, DriveSense, and defensive driver.
• State Farm may have discounts that include good student, Drive Safe & Save, safe vehicle, passive restraint, defensive driving training, multiple autos, and driver’s education.
• Progressive may offer discounts for continuous coverage, homeowner, good student, multi-policy, and multi-vehicle.
• Mercury Insurance offers discounts including anti-theft, annual mileage, good student, good driver, professional/association, low natural disaster claims, and type of vehicle.

Check with each insurance company which discounts you may be entitled to. Savings may not be offered everywhere. If you would like to choose from a list of insurance companies who offer cheap auto insurance quotes, enter your zip code here.

Learn how to lower your insurance premiums

The best way to find cheaper insurance is to take a look at some of the elements that come into play when calculating the price you pay for insurance. When you understand what positively or negatively impacts your premiums, this enables informed choices that can earn you big savings.

Shown below are a few of the “ingredients” used by companies to determine your rates.

• Liability insurance is important – Liability insurance will afford coverage if a court rules you are at fault for damages from an accident. It provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not cut corners here.
• Drive fewer miles and save – Driving more miles annually the higher your rates will be. Many insurance companies charge rates based on how the vehicle is used. Cars not used for work or commuting receive lower rates than vehicles that are driven to work every day. Incorrect rating for your 3 may be wasting your money. It’s a good idea to make sure your declarations sheet is rated on annual mileage, because improper ratings can cost you money.
• You might want pay the inexpensive policy claims yourself – Car insurance companies award the lowest premiums to policyholders who do not file claims often. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended for more catestrophic claims.
• Get a ticket, pay higher rates – Drivers who don’t get tickets receive lower rates as compared to careless drivers. Even a single citation can increase rates by twenty percent. Drivers who have received serious violations like hit and run, DWI or reckless driving convictions are required to complete a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
• Higher insurance rates for high stress employers – Did you know your occupation can influence how much you pay for insurance? Occupations like military generals, architects and emergency personnel usually pay higher rates than the rest of us in part from intense work requirements and long work days. Other occupations like scientists, engineers and retirees have lower than average premiums for 3 insurance.
• Do men or women drive better? – The statistics show that women are safer drivers than men. However, this does not mean females are better at driving than males. Men and women get in accidents at a similar rate, but males have accidents that have higher claims. Men also tend to receive more major tickets such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive insurance rates.
• Extra coverages can add up – There are a ton of extra bells and whistles that sound like a good idea at the time on your 3 policy. Coverage for things like personal injury protection, towing coverage, and extra equipment coverage could be just wasting money. These coverages may sound good when deciding what coverages you need, but your needs may have changed so remove them and pocket the money.
• Pay more if you have a long commute – Living in a small town has definite advantages when insuring your vehicles. Less people living in that area translates into fewer accident claims and also fewer theft and vandalism claims. Drivers in populated areas tend to have more traffic problems and longer commutes to work. Higher commute times statistically corresponds to a higher accident and claim rate.

There’s no such thing as the perfect insurance policy

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether you might need professional guidance.

• Is borrowed equipment or tools covered if stolen or damaged?
• What companies insure drivers after a DUI or DWI?
• Where can I find DUI or SR-22 insurance?
• What exactly is covered by my policy?
• What if I don’t agree with a claim settlement offer?
• Do I need replacement cost coverage?
• Is my state a no-fault state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

The ad said I’d save $409 a year!

Consumers constantly see and hear ads that claim the cheapest rates from companies such as Allstate, GEICO and Progressive. They all try to convey promises that you can save if you change your coverage to them.

That’s great but how can every company lower your rates?

All the different companies quote their cheapest rates for the type of customer they prefer to insure. For example, a profitable risk profile should be between 30 and 50, has a clean driving record, and drives newer vehicles. Any driver that matches those criteria will probably get cheap rates and will save if they switch.

Potential insureds who fall outside this stringent profile will be charged a higher rate and this can result in business not being written. Company advertisements say “drivers that switch” not “everybody who quotes” save that much when switching. That is how companies can advertise the savings. Because of these techniques, drivers should compare as many free car insurance quotes as you can. Because you never know which car insurance company will be your best fit.

Insurance coverage breakdown

Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 2019 Mazda 3.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, sideswiping another vehicle, backing into a parked car, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability car insurance

This coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability insurance covers claims like structural damage, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, rock chips in glass, theft, a tree branch falling on your vehicle and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like doctor visits, funeral costs and dental work. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

You can do this!

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability coverage limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to get the best coverage possible at a price you can afford while still protecting your assets.

We’ve covered a lot of ways to reduce 2019 Mazda 3 insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of getting cheap car insurance. You may even find the most savings is with the smaller companies. Regional companies may only write in your state and offer lower rates compared to the large companies like State Farm, GEICO and Nationwide.