2007 Mazda 3 Insurance Quotes – 8 Tips to Save

Looking for cheaper car insurance rates for your Mazda 3? Car owners that are new to comparing auto insurance rates on the web are likely to find locating affordable auto insurance is not as easy as it seems.

Consumers need to do rate comparisons before your next renewal because rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest premium rates for 3 insurance a couple years back you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Shopping for the lowest cost protection is not that difficult. But drivers benefit from understanding the way insurance companies determine prices and take advantage of how the system works.

The most recommended method to compare policy rates is to know the trick most insurance companies provide online access to give free rates quotes. To begin a comparison, all you need to do is give them some information such as how much school you completed, the year, make and model of vehicles, how your vehicles are used, and if you lease or own. Your information is then submitted to multiple insurance providers and you will receive price estimates instantly.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Should I buy full coverage?
  • Why do I only qualify for high-risk insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered by my spouse’s policy after a separation?
  • Should I waive the damage coverage when renting a car?
  • Am I better off with higher deductibles on my 2007 Mazda 3?
  • Are my friends covered when driving my car?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.

Information about specific coverages

Having a good grasp of car insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like pain medications, EMT expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage covers damage to your 3 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability insurance

This can cover injuries or damage you cause to a person or their property that is your fault. 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. You might see 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 $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, medical services, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, damage from getting keyed and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mazda 3.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.