The recommended way to get cheaper Mazda 3 insurance is to begin comparing prices regularly from insurance carriers that sell auto insurance in Chandler. Drivers can shop around by following these guidelines.
- First, try to understand what coverages are included in your policy and the steps you can take to keep rates down. Many risk factors that result in higher prices such as speeding tickets, accidents and an unfavorable credit rating can be eliminated by making minor changes in your lifestyle.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO and State Farm, while independent agents can give you price quotes from multiple companies.
- Third, compare the new rates to your existing rates and determine if cheaper 3 coverage is available. If you can save some money and change companies, make sure coverage is continuous and does not lapse.
One key aspect of rate comparisons is that you use similar deductibles and liability limits on each quote and and to compare all possible companies. This provides a fair rate comparison and a thorough selection of prices.
Unbelievably, nearly 70% of customers have stayed with the same insurance company for a minimum of four years, and roughly 40% of drivers have never compared quotes from other companies. Many consumers in Chandler could save roughly 50% a year by just shopping around, but most undervalue how much savings they would realize if they moved their coverage to a different company.
Quoting and comparing the lowest-priced auto insurance policy in Chandler is not as confusing as people think. If you have a current auto insurance policy or just want to save money, take advantage of these tips to lower your rates and still have adequate protection. Shoppers just need to know the tricks to shop for auto insurance online from multiple companies.
Finding Mazda 3 insurance in Chandler, AZ
Most larger insurance companies like GEICO, State Farm and Progressive give pricing on the web. The process doesn’t take a lot of time as you just type in the coverages you want as detailed in the form. Behind the scenes, their rating system requests credit information and your driving record and returns pricing information. Getting online rates for Mazda 3 insurance in Chandler makes it simple to compare prices and it’s also necessary to compare as many rates as possible if you are searching for the most affordable premium.
To quickly find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you type in your coverages as close as possible to your current policy. This guarantees you will have a fair comparison for similar insurance coverage.
The companies in the list below are our best choices to provide price comparisons in Chandler, AZ. If your goal is to find the best cheap auto insurance in AZ, we recommend you get prices from several of them in order to find the most competitive rates.
Mazda 3 insurance rates and statistics
The table displayed next outlines detailed analysis of insurance policy prices for Mazda 3 models. Knowing how prices are established can help drivers make smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|3 I Sport 4-Dr Sedan||$226||$448||$362||$22||$108||$1,166||$97|
|3 I SV 4-Dr Sedan||$226||$448||$362||$22||$108||$1,166||$97|
|3 I Touring 4-Dr Sedan||$226||$528||$362||$22||$108||$1,246||$104|
|3 S Sport 4-Dr Hatchback||$256||$528||$362||$22||$108||$1,276||$106|
|3 S Sport 4-Dr Sedan||$256||$528||$362||$22||$108||$1,276||$106|
|3 S Grand Touring 4-Dr Hatchback||$256||$528||$362||$22||$108||$1,276||$106|
|3 S Grand Touring 4-Dr Sedan||$256||$528||$362||$22||$108||$1,276||$106|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in your specific Chandler location which can impact insurance rates substantially.
The chart below demonstrates how deductible levels and can impact Mazda 3 insurance costs for different categories of driver ages. The price estimates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
Why you need Mazda vehicle insurance in Arizona
Despite the high cost of buying insurance for a Mazda 3 in Chandler, maintaining insurance is required for several reasons.
First, almost all states have mandatory insurance requirements which means you are required to buy a minimum amount of liability coverage in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, most lenders will force you to have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Mazda for a much higher rate and require you to reimburse them much more than you were paying before.
Third, car insurance protects both your vehicle and your personal assets. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having car insurance outweigh the cost, specifically if you ever have a liability claim. The average driver in America is overpaying more than $865 each year so smart consumers compare quotes at every policy renewal to ensure rates are competitive.
Chandler Insurance Rates are Influenced by These Factors
Many things are part of the equation when quoting car insurance. Some factors are common sense like a motor vehicle report, although others are more transparent like your vehicle usage or how financially stable you are.
How do annual miles impact rates? – The higher the mileage driven in a year the higher your rate. A lot of insurance companies charge rates based upon how much you drive. Autos not used for work or commuting get more affordable rates compared to those used for work or business. It’s always a good idea to double check that your vehicle rating is rated on the proper vehicle usage. An incorrectly rated 3 can cost quite a bit.
Lower stress equals lower prices – Did you know that where you work can have an impact on rates? Jobs like real estate brokers, police officers, and emergency personnel have higher premium rates due to intense work-related stress and lots of time spent away from family. Other occupations like actors, historians and performers have lower than average premiums.
Cheaper to insure women? – Over the last 30 years, statistics show females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Both sexes cause at-fault accidents at a similar rate, but guys tend to have more serious accidents. Not only that, but men also receive more costly citations like DUI and reckless driving. Youthful male drivers generally have the highest accident percentage so it costs more to insure them.
The example below compares Mazda 3 annual premium costs for male and female drivers. The rate quotes are based on no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied to the premium.
Big cities mean more claims – Choosing to live in less populated areas of the country is a good thing when shopping for auto insurance. Residents of big cities have to deal with traffic congestion and more severe claims. Less people living in that area means less chance of accidents.
Mazda 3 insurance loss statistics – Auto insurance companies use statistical claims data when they file their rates in each state. Vehicles that the statistics show to have higher loss trends will have higher rates for specific coverages.
The information below illustrates the insurance loss data for Mazda 3 vehicles. For each coverage category, the statistical loss for all vehicles, as an average, is equal to 100. Values below 100 represent a good loss history, while numbers that are greater than 100 indicate more frequent losses or tendency to have larger claims.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Mazda 3 Hatchback||91||80||96||81||73||86|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance can get complicated
When it comes to choosing coverage online or from an agent, there really isn’t a “best” method to buy coverage. Your financial needs are unique.
Here are some questions about coverages that may help highlight whether you would benefit from professional advice.
- How can I get my company to pay me more for my totaled car?
- Should I buy more coverage than the required Arizona minimum liability coverage?
- Does my liability insurance cover pulling a trailer or camper?
- Is extra glass coverage worth it?
- Do I pay less for low miles?
- What does UM/UIM cover?
- How do I buy GAP insurance?
- How high should my medical payments coverage be?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Compare but don’t skimp
Drivers change insurance companies for a number of reasons such as delays in paying claims, not issuing a premium refund, policy non-renewal or even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.
Cost effective Mazda 3 insurance can be sourced online as well as from insurance agents, so you should compare both to have the best selection. There are still a few companies who may not have the ability to get quotes online and many times these small, regional companies prefer to sell through local independent agencies.
We just presented many ideas to shop for Mazda 3 insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the biggest savings come from a lesser-known regional company.
More detailed car insurance information can be found in these articles:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Chandler Auto Insurance Quotes for a Nissan Rogue? (FAQ)
- Who Has Cheap Chandler Auto Insurance for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Auto Insurance for College Students in Chandler? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for 16 Year Olds in Chandler? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)