Mazda 3 insurance cost image courtesy of QuoteInspector.com
Are you looking for a better way to compare more affordable insurance rates in Phoenix, AZ? Phoenix drivers have many options when trying to find affordable Mazda 3 insurance. They can either waste time calling around getting price quotes or utilize the internet to get rate quotes. There is a better way to find insurance online and you need to know the proper way to compare rates for a Mazda and obtain the best price possible from Phoenix insurance agents and online providers.
Finding a lower price on Mazda 3 insurance isn't really that difficult. The only thing you need to do is spend a little time to compare rate quotes online with multiple companies.
The companies shown below have been selected to offer price comparisons in Arizona. If more than one company is shown, we recommend you visit several of them to find the cheapest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|3 I Sport 4-Dr Sedan||$210||$360||$308||$18||$92||$988||$82|
|3 I SV 4-Dr Sedan||$178||$324||$282||$16||$84||$884||$74|
|3 I Touring 4-Dr Sedan||$112||$246||$288||$18||$86||$750||$63|
|3 S Sport 4-Dr Hatchback||$224||$450||$338||$20||$102||$1,134||$95|
|3 S Sport 4-Dr Sedan||$332||$548||$392||$24||$118||$1,414||$118|
|3 S Grand Touring 4-Dr Hatchback||$138||$284||$314||$18||$94||$848||$71|
|3 S Grand Touring 4-Dr Sedan||$212||$370||$300||$18||$90||$990||$83|
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in specific location information which can change coverage prices considerably.
Impact of careless driving on auto insurance rates
The chart below illustrates how traffic citations and accident claims influence Mazda 3 annual premium costs for different categories of driver ages. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The illustration below illustrates the comparison of Mazda 3 yearly insurance costs with full coverage compared to only the Arizona minimum liability coverage. The prices are based on no violations or claims, $1,000 deductibles, single female driver, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no exact formula that is best for determining when to drop full coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let's say your Mazda 3 settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after you pay the deductible. If premiums are more than $300 annually for full coverage, then it might be time to buy liability only.
There are some circumstances where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
Car insurance quotes from neighborhood Phoenix auto insurance agents
A small number of people just want to get advice from a local agent and doing so can bring peace of mind Insurance agents are highly skilled in risk management and will help you if you have claims. A nice benefit of getting free rate quotes online is that drivers can save money and get cheaper auto insurance rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to agents in your area who will give competitive quotes for your coverage. You never need to contact any agents due to the fact that quote results will go to your email. If for some reason you want to compare rates for a specific company, just visit that company's website and fill out the quote form the provide.
Picking the best insurance company should depend on more than just the price. Here are some questions you might want to ask.
- Are they in the agency full-time?
- Are aftermarket or OEM parts used to repair vehicles?
- Will the company cover a rental car if your car is getting fixed?
- Which members of your family are coverage by the policy?
- Do they have cheaper tiers of coverage?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they prorate repair cost based on vehicle mileage?
Different types of car insurance agents in Phoenix
When searching for local Phoenix agents, you should know the different types of agencies and how they are slightly different. Car insurance policy providers can be classified as either exclusive or independent. Both sell car insurance policies, but it's a good idea to understand why they differ since it can affect your agent selection.
Exclusive Car Insurance Agents
These agents can only provide pricing for a single company such as Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents receive extensive training on their company's products and that can be a competitive advantage. Many people use the same exclusive agent partially due to the brand rather than low rates.
The following are exclusive insurance agencies in Phoenix that can give you comparison quotes.
- Andy Carrillo - State Farm Insurance Agent
4713 E Southern Ave - Phoenix, AZ 85042 - (602) 426-8088 - View Map
- Susan Cox - State Farm Insurance Agent
2715 W Northern Ave #110 - Phoenix, AZ 85051 - (602) 995-2821 - View Map
- Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 - Phoenix, AZ 85020 - (602) 371-0581 - View Map
Independent Agencies or Brokers
Independent agents can sell policies from many different companies and that gives them the ability to insure through lots of different companies depending on which coverage is best. If they find a cheaper price, your policy is moved internally which makes it simple for you.
When comparing car insurance rates, you definitely need to contact independent agents to ensure the widest selection of prices. Most have the option of insuring with smaller mutual companies who may have lower rates.
The following is a list of independent agents in Phoenix that are able to give price quotes.
- Citywide Insurance
1529 W Thomas Rd - Phoenix, AZ 85015 - (602) 241-9200 - View Map
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 - Phoenix, AZ 85029 - (602) 564-0880 - View Map
- Farmer-Leavitt Insurance Agency
919 N 1st St - Phoenix, AZ 85004 - (602) 264-0566 - View Map