Compare 2016 Mazda CX-3 Car Insurance Rates

Looking for lower auto insurance rates for your Mazda CX-3? Have you fallen victim to high-priced auto insurance? Believe me when I say you’re not the only one. Numerous insurance companies battle for your insurance dollar, so it’s not easy to compare every provider to find the best rate

Smart consumers take time to get comparison quotes before your policy renews because prices are variable and change quite frequently. Even if you got the lowest rates on CX-3 insurance on your last policy there may be better deals available now. There is a lot of bad advice regarding auto insurance online, so I’m going to show you some proven techniques to put money back in your pocket.

If you are insured now or are shopping for new coverage, you can use this information to cut your premiums and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn the tricks to buy insurance coverage online.

Why you might be paying too much to insure your Mazda CX-3

It’s important that you understand the rating factors that go into determining your insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get lower insurance prices.

  • Lower miles equals lower premium – Driving more miles in a year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Verify your insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your CX-3 may be costing you.
  • Your location is important – Choosing to live in a small town can be a good thing when it comes to insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Lower population means fewer accidents.
  • Traffic citations inflate rates – Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can increase rates twenty percent or more. Good drivers receive lower rates than bad drivers. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • More than one policy can earn a discount – Some companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal.

Low Cost Auto Insurance

Getting a cheaper price on 2016 Mazda CX-3 insurance can be surprisingly simple. All you need to do is spend a few minutes on the computer comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The fastest way to find low rates is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for every auto insurance company. Completing one form gets you coverage quotes from many national carriers.
  2. A slightly less efficient method to get quotes online requires visiting the website for each individual company and fill out their own quote form. For instance, let’s say you want rates from Liberty Mutual, State Farm and Travelers. To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least recommended method of getting rate comparisons is to waste gas driving to and from local insurance agencies. The internet makes this process obsolete unless you prefer the trained guidance that only a license agent can provide. Drivers can find lower rates online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverages with every price quote. If you have different deductibles it’s impossible to determine the lowest rate for your Mazda CX-3.

How to reduce 2016 Mazda CX-3 insurance rates

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so we took the time to find some of the best known as well as the least known savings tricks you should be using. If you’re not getting every credit available, you’re just leaving money on the table.

  • Multiple Vehicles – Buying insurance for multiple vehicles on the same car insurance policy qualifies for this discount.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on CX-3 insurance with select insurance companies.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance from them.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.

It’s important to understand that most credits do not apply the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, it just doesn’t work that way.

Insurance companies that may offer some of the above discounts are:

Double check with every prospective company how you can save money. Savings may not be available everywhere.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • Will I lose any money if I cancel my policy before it expires?
  • How much liability coverage do I need in my state?
  • What can I do if my company won’t pay a claim?
  • Does car insurance cover theft of personal property?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What if I owe more than I can insure my car for?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 2016 Mazda CX-3

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for dental work, nursing services, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, falling objects and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mazda CX-3.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

Collision insurance will pay to fix damage to your CX-3 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb, hitting a mailbox, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Liability coverages

This provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as court costs, bail bonds and medical services. How much coverage you buy is up to you, but buy as much as you can afford.

Final considerations

Throughout this article, we presented a lot of ways to compare 2016 Mazda CX-3 insurance prices online. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from a smaller regional carrier. They often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability coverage limits only to regret they didn’t purchase enough coverage. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.

More detailed insurance information can be found in these articles: