Compare 2013 Mazda Mazdaspeed3 Insurance Rates

Feel like you’re a prisoner to an overpriced car insurance policy? Believe me, there are many people just like you. With so many choices, it’s nearly impossible to pick the most cost effective company.

Mazda Mazdaspeed3 rates are in the details

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Tickets mean higher rates – A bad driving record has a lot to do with how much you pay for insurance. Even one citation can increase rates by twenty percent. Good drivers receive lower rates than bad drivers. If you have serious violations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with the DMV in their state in order to continue driving.
  • Pleasure use or commuting – The more you drive each year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance policy is rated on the correct driver usage. Incorrect usage on your Mazdaspeed3 may be costing you.
  • High deductibles save money – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mazda. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, or theft. Your deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Mazdaspeed3 insurance.
  • Older drivers save more – Youthful drivers have a tendency to be careless and easily distracted behind the wheel so auto insurance rates are higher. If you’ve ever had to add a youthful driver onto your auto insurance can be quite pricey. Older drivers are more cautious drivers, file fewer claims and get fewer tickets.
  • Your spouse saves you money – Being married helps lower the price when buying auto insurance. It translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
  • High credit ratings translate to low rates – Having a bad credit rating is a large factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit rating can use some improvement, you could potentially save money when insuring your 2013 Mazda Mazdaspeed3 by spending a little time repairing your credit.

Free Quotes for Auto Insurance

Cutting your auto insurance rates is actually quite simple. You just need to take a few minutes comparing rate quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The best way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for repetitive form submissions for each company. One form submission will return price quotes from multiple low-cost companies.

A less efficient way to get quotes online requires visiting each individual company website and complete a new quote form. For instance, let’s say you want comparison quotes from Progressive, Esurance and Farmers. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The hardest way of getting rate comparisons is to spend your day driving to different agent offices. The internet has reduced the need for local agents unless you prefer the trained guidance only provided by licensed agents. It is possible to obtain prices from the web and get advice from an agent in your area and we’ll talk about that later.

Which method you use is up to you, but ensure you are comparing the exact same coverages for every quote you compare. If you enter different limits and deductibles on each one it’s not possible to find the best deal for your Mazda Mazdaspeed3.

You probably qualify for some discounts

Car insurance companies don’t always advertise all their discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known ways to save on insurance coverage. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing over the internet.
  • Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Defensive Driver – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
  • Senior Discount – If you qualify as a senior citizen, you may receive reduced rates on Mazdaspeed3 insurance.
  • Organization Discounts – Affiliation with a civic or occupational organization is a good way to get lower rates on your policy on Mazdaspeed3 insurance.

A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

A partial list of companies that may offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in your state.

There’s no such thing as the perfect policy

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might point out if you may require specific advice.

  • How much can I save by bundling my policies?
  • Do I need rental car coverage?
  • Should I get collision insurance on every vehicle?
  • Why am I required to buy liability insurance?
  • Does having multiple vehicles earn me a discount?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from auto insurance companies.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda Mazdaspeed3.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability – This can cover damages or injuries you inflict on people or other property. This coverage 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 injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, structural damage and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses such as hospital visits, pain medications, dental work and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, theft, rock chips in glass, hail damage and falling objects. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, backing into a parked car, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

You can do this!

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

We’ve covered many ways to shop for 2013 Mazda Mazdaspeed3 insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with an unexpected company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

Cost effective insurance is definitely available both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

More tips and info about insurance coverage can be read in the articles below: