2019 Mazda CX-3 Car Insurance Quotes in 2024

Pretty sure you bought an underperforming, overpriced insurance policy? Don’t sweat it because many consumers are in the same pinch. You have so many car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to locate the cheapest rates.

It’s a good idea to do rate comparisons on a regular basis because insurance prices change frequently. If you had the best price on CX-3 insurance last year the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because you’re about to find out the tricks you need to know to get good coverage at a lower rate.

Choosing the best insurance company for you is not rocket science. If you have a policy now or are shopping for new coverage, you can use this information to get lower rates and still get good coverage. Consumers only need an understanding of the most effective way to compare price quotes online.

Why your insurance rates might be higher

Many different elements are used when premium rates are determined. Some are obvious like your driving record, but other criteria are more obscure such as your credit history or how safe your car is.

Listed below are some of the most common factors that factor into rates.

• Save by driving less – The more you drive annually the higher the price you pay to insure it. Many insurance companies charge rates based upon how the vehicle is primarily used. Cars used primarily for pleasure use cost less to insure than cars that get driven a lot. It’s a smart idea to ensure your declarations sheet is rated on annual mileage, because improper ratings can cost you money. Improper usage on your CX-3 may be costing you higher rates.
• Where you live factors in – Being located in areas with lower population is a positive aspect if you are looking for the lowest rates. Less people living in that area means a lower chance of having an accident in addition to lower liability claims Drivers who live in large cities tend to have more auto accidents and a longer drive to work. More time commuting means more chances of being involved in an auto accident.
• Save by driving cars with good safety ratings – Safe vehicles tend to have better insurance rates. The safest vehicles reduce the chance of injuries and fewer injuries means your insurance company pays less and thus lower rates. If your Mazda CX-3 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Cheaper premiums for prior coverage – Driving any period of time without insurance is illegal and you will pay a penalty because you let your insurance expire. And not only will your rates increase, not being able to provide proof of insurance can result in a license revocation or jail time. You will then be forced to file a SR-22 with your state department of motor vehicles.
• Marriage equates to better premiums – Having a wife or husband may earn you lower rates on your insurance coverage policy. Marriage may mean you are more mature and insurance companies reward insureds because married couples file fewer claims.
• Use credit responsibly and save – Credit score is likely to be a major factor in determining your rates. If your credit rating is not that good, you could save money insuring your 2019 Mazda CX-3 by improving your credit score. Drivers with excellent credit tend to be better risks to insure as compared to drivers with lower ratings.
• Pay more of a claim out-of-pocket – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mazda from damage. A few examples of covered claims are a broken windshield, damage caused by hail, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles are how much you are willing to pay out-of-pocket if a claim is determined to be covered. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance on CX-3 insurance.
• Vehicle theft costs us all – Choosing to buy a car with advanced anti-theft systems can help lower your premiums. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft.

Find hidden discounts on insurance

Insurance can be pricey, but there are discounts available that can dramatically reduce your bill. Most are applied at the time of purchase, but less common discounts must be asked about in order for you to get them.

• Claim Free – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote in comparison with insureds who have frequent claims or accidents.
• Discounts for Multiple Vehicles – Having multiple cars on the same insurance policy can get a discount for every vehicle.
• Theft Deterrent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Memberships – Having an affiliation with certain professional organizations is a simple method to lower premiums when shopping for insurance.
• Student Discounts – Excelling in school may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students until age 25.
• Paper-free Discount – A few larger online companies may give you up to $50 for completing your application digitally online.
• Distant Student – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
• New Car Discount – Buying a new car model can save you some money compared to insuring an older model.
• Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.

A quick disclaimer, most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

To find insurance companies offering insurance discounts, enter your zip code here.

Insurance coverage in the media

Drivers can’t avoid all the ads that promise big savings by companies like State Farm, GEICO and Progressive. They all seem to have a common claim that drivers can save some big amount if you change your policy.

That’s great but how can every company cost less than your current company?

Many companies have a preferred profile for the type of insured that will most likely be profitable. An example of a preferred risk might be over age 30, carries full coverage, and drives less than 5,000 miles a year. Anybody who meets those qualifications receives the best car insurance rates and will most likely cut their rates substantially.

Consumers who are not a match for those standards may receive higher rates which leads to the customer not buying. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save the amount stated. That is how insurance companies can make claims like that. Because of this risk profiling, you absolutely need to compare rate quotes every year. Because you cannot predict which insurance coverage company will give you lower prices than your current company.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

• Do I have coverage when pulling a U-Haul trailer?
• What is an SR-22 filing?
• Can I afford to buy a different vehicle if my 2019 Mazda CX-3 is totaled?
• Is my cargo covered for damage or theft?
• Is my teenager covered with friends in the car?
• Are split liability limits better than a combined single limit?
• Is pleasure use cheaper than using my 2019 Mazda CX-3 to commute?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It is quick, free and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Collision insurance

This pays for damage to your CX-3 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as ambulance fees, doctor visits and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, hitting a bird, fire damage, a tree branch falling on your vehicle and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance can cover injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as bail bonds, medical services and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

More quotes. Lower rates.

When shopping online for insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed physical damage coverage to discover at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.

We just presented some good ideas how you can lower your 2019 Mazda CX-3 insurance premium rates. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive auto insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.