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Mazda Mazda3 Insurance Rates

There are many options when insurance shopping for your Mazda vehicle. You can either buy through your neighborhood insurance agent or price shop online to check prices from multiple insurance companies. Comparing auto insurance on the web is simple to do and there is a good chance you will probably save money.

Using the web to shop for auto insurance direct can be a challenge if you have never used online rate quotes. But relax because there is an easy way to compare rates. Cutting your Mazda3 insurance cost isn't really that difficult. Drivers just need to take a couple of minutes comparing rates online with multiple companies. This can be done by completing this short form.

Insurance rates paid to insure a Mazda Mazda3 will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Home and auto can earn discounts
  • How you use your vehicle
  • Your birth date
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you own your home

One last important factor that can impact the rate you pay on your Mazda is the year of manufacture. New vehicles have a higher value so the payout to repair will push premiums up. Conversely, newer vehicles may have options such as pedestrian detection, active head restraints, and a backup camera so those may give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Mazda3 below.

Liability car insurance - Mazda3 liability coverage can cover damage that occurs to a person or their property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision - This coverage covers damage to your Mazda from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto insurance - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people 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.

Coverage for medical expenses - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Mazda Mazda3 Insurance Rates?