Cheaper 2016 Mazda CX-3 Insurance Quotes

Searching for cheaper auto insurance rates for your Mazda CX-3? Locating cheaper insurance for your Mazda CX-3 can turn out to be a painful process, but you can use a few tricks to find lower rates.

There is a better way to find auto insurance online so you’re going to learn the proper way to quote coverages for a new or used Mazda and find the lowest possible price from local insurance agents and online providers.

It is always a good idea to get comparison quotes periodically due to the fact that insurance rates are constantly changing. Even if you think you had the lowest price for CX-3 insurance last year a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the quickest ways to buy cheaper auto insurance.

Your Mazda CX-3 insurance rate is a complex equation

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Poor driving leads to higher costs – Even one citation may increase your cost by as much as thirty percent. Drivers with clean records get better rates than people who have multiple driving citations. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Where you live can impact rates – Being located in less populated areas can be a good thing when buying auto insurance. Lower population means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large cities tend to have much more traffic to deal with and longer commute times. Longer commute distances means higher likelihood of an accident.
  • Liability coverage is peace of mind – Liability coverage provides coverage if you are found to be at fault for damages from an accident. It provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Your job and insurance rates – Did you know your job can affect your rates? Occupations such as doctors, executives and stock brokers are shown to have the highest rates because of job stress and long work days. On the other hand, professions such as farmers, students and performers pay the least for CX-3 insurance.

Comparison of Auto Insurance

Shopping for lower auto insurance rates can take hours if you don’t understand the most efficient way to do it. You could spend the better part of a day talking to agents in your area, or you could save time and use the internet to get prices fast.

Most car insurance companies enroll in a system that allows shoppers to submit their information once, and each participating company returns a rated price based on that information. This saves time by eliminating quotation requests for each company.

To find out what other companies charge for 2016 Mazda CX-3 insurance click to open in new window.

One minor caviat to doing it this way is you don’t know exactly the insurers you want pricing from. So if you prefer to choose specific insurance companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using exactly the same coverages on every quote. If each company quotes higher or lower deductibles then you won’t be able to decipher which rate is best.

Discounts on Mazda CX-3 insurance

Insuring your fleet can be pricey, but there are discounts available that you may not know about. Most are applied at the time of purchase, but lesser-known reductions have to be manually applied before being credited. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Multi-policy Discount – If you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • 55 and Retired – If you’re over the age of 55, you may receive better insurance coverage rates for CX-3 insurance.
  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mazda can earn lower rates on the low mileage vehicles.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.

It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

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

It’s a good idea to ask each company what discounts are available to you. Some discounts may not be available in your area.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover if your situation would benefit from professional advice.

  • I don’t drive much so do I pay less?
  • Is my babysitter covered when using my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I afford low physical damage deductibles?
  • Am I covered if I crash into my own garage door?
  • Are my tools covered if they get stolen from my vehicle?
  • Does car insurance cover theft of personal property?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses for pain medications, rehabilitation expenses, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage will pay to fix damage to your CX-3 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, backing into a parked car, hitting a parking meter, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2016 Mazda CX-3.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are similar to your liability insurance amounts.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, rock chips in glass, damage from flooding, a tree branch falling on your vehicle and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Never pay more for less

People leave their current company for any number of reasons including extreme rates for teen drivers, policy non-renewal, unfair underwriting practices and delays in paying claims. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.

We covered a lot of ways to lower your 2016 Mazda CX-3 insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even discover the best prices are with some of the smallest insurance companies.

Cost effective insurance is attainable online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance coverage companies may not provide online price quotes and these smaller companies work with independent agents.

Even more information can be read at these sites: