Compare 2015 Mazda 3 Car Insurance Rates

Searching for better insurance rates for your Mazda 3? High-priced insurance can consume your family’s budget and make it impossible to make ends meet. Comparing rate quotes can save money and help to reduce premiums and put more money in your pocket.

Multiple insurance companies compete to insure your vehicles, so it can be very hard to choose a company to get the lowest rate

If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers only need an understanding of the most effective way to compare prices online.

How much does insurance coverage cost?

Finding a better price on insurance coverage is not rocket science. You just have to spend a few minutes on the computer comparing price quotes to see which company has the cheapest insurance coverage quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. The best way to find low rates would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for a different quote for every prospective company. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies.
2. A harder way to shop for insurance coverage online is spending the time to visit the website for each individual company to complete their respective quote request forms. For examples sake, let’s say you want to view quotes from Allstate, Progressive and GMAC. You would need to go to every website and type in your information over and over, which can take a lot of time.

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

3. The most difficult way to comparison shop rate quotes is actually driving to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless your situation requires the professional advice of a licensed agent. However, consumers can get the lowest quotes online but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just do your best to use exactly the same coverages on every quote you get. If you enter different liability limits you can’t possibly make an equal comparison.

Tailor your auto insurance coverage to you

When buying adequate coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine if your situation might need an agent’s assistance.

• Do I pay less if my vehicle is kept in my garage?
• What if I owe more than I can insure my car for?
• What can I do if my company denied a claim?
• Is my state a no-fault state?
• Can I make deliveries for my home business?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does coverage extend to a rental car in a foreign country?
• How does medical payments coverage work?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Insurance coverages explained

Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses for nursing services, surgery, dental work and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, rock chips in glass, fire damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage – This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2015 Mazda 3.

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

Liability coverage – This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, court costs, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverages – Collision insurance covers damage to your 3 caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, hitting a mailbox, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.