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Mazda 3 Insurance Rates

You have many choices when insurance shopping for your Mazda vehicle. You can buy direct from a local agent or shop online to compare pricing from a lot of car insurance companies. Shopping for car insurance through online companies is easy, in addition you might just save a little.

Consumers not familiar with comparing rates may think buying low-cost Mazda 3 insurance is difficult. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The easiest way to find the lowest Mazda 3 insurance cost consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine Mazda insurance rates

Auto insurance rates on a Mazda 3 will vary greatly based upon several criteria. A few of these criteria are:

  • The performance level of your 3
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Being married can lower rates
  • Optional coverages like vehicle replacement
  • What you do for a living
  • The level of coverage
  • Owning a home can lower rates

A final factor that will help determine Mazda 3 insurance rates is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the cost to replace them will push premiums down. Conversely, more recent Mazda vehicles may have a trim level with safety features such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags so those may provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your 3 from the following list.

Coverage for liability - Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision - Collision coverage will pay to fix damage to your Mazda resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Mazda 3 can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your Mazda 3 comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP is only offered in select states but can be used in place of medical payments coverage.

How Much are Mazda 3 Insurance Rates?