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Mazda MX-3 Insurance Rates

You have lots of choices when trying to insure your Mazda vehicle. You can get prices from a local agent or go online to compare rates from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy and at the same time you might just save a little.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites vying for your business. Finding a lower price on Mazda MX-3 insurance can be surprisingly simple. You just have to take a little time to get quotes provided by online insurance companies. This can be done by comparing rates here.

Which factors influence the rate you pay?

Auto insurance rates for your Mazda MX-3 will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance MX-3 vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Whether you are married
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

A final factor that can impact Mazda MX-3 insurance rates is the model year. Newer models have a higher value in comparison to later models so the cost to replace them will push premiums up. But more recent Mazda vehicles may have a trim level with safety features including lane departure warning system, a telematics system, and adaptive headlights so those may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your MX-3 from available model years below.

Auto liability

This coverage will cover damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage

This coverage will pay to fix damage to your Mazda resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your Mazda MX-3 comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

How Much are Mazda MX-3 Insurance Rates?