How Much Does 2012 Mazda Mazda3 Car Insurance Cost?

Trying to find better auto insurance rates for your Mazda Mazda3? Expensive auto insurance can overdraw your checking account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet. Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute cheapest price

Insurance Coverage Prices Online

Lowering your 2012 Mazda Mazda3 insurance coverage rates is actually quite simple. All that’s required is to invest a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

  1. The recommended way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form eliminates the need for separate forms for each company. Completing one form gets you price quotes from multiple low-cost companies.
  2. A different way to shop for insurance coverage online requires you to visit the website of each company to request a price quote. For examples sake, we’ll assume you want comparison quotes from Nationwide, Allstate and GMAC. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make sure you use apples-to-apples deductibles and coverage limits with each company. If you are comparing different values for each quote you will not be able to determine the best price for your Mazda Mazda3.

Companies offer discounts so take them!

Companies offering auto insurance don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden ways to save on car insurance. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of companies with the best car insurance discounts, follow this link.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

  • What exactly is covered by my policy?
  • Is motorclub coverage worth it?
  • Can I make deliveries for my home business?
  • Is extra glass coverage worth it?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Mazda Mazda3 premiums are determined by many factors

It’s important that you understand the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to better car insurance rates.

  • Discounts for married couples – Having a spouse can actually save you money on car insurance. It translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is against the law and car insurance companies will penalize you for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance will get you a license revocation or jail time.
  • Multi-policy discounts can save money – Most insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even though this discount sounds good, you may still want to compare rates to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Special features that cut premiums – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, architects and dentists are shown to have the highest average rates in part from job stress and long work hours. Other occupations like farmers, historians and homemakers pay the least for Mazda3 coverage.
  • Careful drivers pay lower rates – Your driving record has a huge affect on how much you pay. Even a single moving violation can boost insurance rates twenty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Where you reside plays a part – Choosing to live in less populated areas has it’s advantages when it comes to car insurance. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas have to deal with congested traffic and a longer drive to work. More time on the road translates into higher accident risk.
  • Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both cause accidents at about the same rate, but the men have costlier accidents. Men also statistically receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.

Auto insurance coverages

Knowing the specifics of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Insurance for medical payments – Med pay and PIP coverage pay for expenses for pain medications, X-ray expenses, hospital visits and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from a tornado or hurricane, fire damage and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage – Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like emergency aid, court costs, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision coverages – This will pay to fix damage to your Mazda3 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mazda Mazda3.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Quote often and quote early

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. Too many times, someone dropped physical damage coverage only to find out that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best price.

In this article, we covered many ideas to compare 2012 Mazda Mazda3 insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest priced insurance coverage comes from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

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