2006 Mazda Mazda3 Insurance Cost – 9 Tips for Best Prices

Shoppers have options when shopping for the lowest priced Mazda Mazda3 insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to make rate comparisons. There are more efficient ways to shop for car insurance and we’ll show you the quickest way to get price quotes for a new or used Mazda and get the cheapest rates from both online companies and local agents.

Smart consumers take time to take a look at other company’s rates occasionally because rates are rarely the same from one policy term to another. Even if you got the lowest price on Mazda3 coverage a couple years back other companies may now be cheaper. So forget anything you know (or think you know) about car insurance because it’s time to teach you the only way to find better rates and still maintain coverage.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Consumers only need an understanding of the proper methods to compare company rates online.

How much can you save with these nine discounts?

Companies offering auto insurance don’t necessarily list all available discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
  • Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on Mazda3 coverage.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with bad drivers.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • E-sign – A handful of insurance companies give back up to $50 just for signing your application online.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

For a list of insurers offering insurance coverage discounts, click here.

The quickest method to compare car insurance rates is to take advantage of the fact auto insurance companies pay for the opportunity to give rate comparisons. All consumers are required to do is provide a little information such as the type of vehicles you drive, how many miles driven, your occupation, and whether you drive to work or school. Your rating data is automatically sent to insurance carriers in your area and you should receive rate quotes with very little delay.

How much car insurance do I need?

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • How does medical payments coverage work?
  • Am I covered if I break a side mirror?
  • Do I need replacement cost coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is my Mazda Mazda3 covered if I use it for business?
  • What if I total my 2006 Mazda Mazda3 and owe more than it’s worth?
  • Are my friends covered when driving my car?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mazda Mazda3.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto liability

This coverage protects you from damages or injuries you inflict on people or other property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

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 values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as bail bonds, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, rock chips in glass, falling objects, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for prosthetic devices, hospital visits and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Collision coverage protection

Collision coverage covers damage to your Mazda3 resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with a tree and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

In any little way, save everyday

Drivers switch companies for a number of reasons such as poor customer service, an unsatisfactory settlement offer, high rates after DUI convictions or denial of a claim. It doesn’t matter what your reason, switching insurance companies is not as hard as you think.

Budget-conscious 2006 Mazda Mazda3 insurance is available both online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. A few companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut full coverage to discover at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

Helpful learning opportunities