Mazda 3 insurance image courtesy of QuoteInspector.com
Nobody that owns a car looks forward to buying insurance, in particular when it costs too dang much.
It's a known fact that insurance companies don't want policyholders to compare prices from other companies. Insureds who shop around for the cheapest price will, in all likelihood, buy a different policy because there is a good probability of finding a more affordable policy. A study showed that consumers who compared rate quotes regularly saved approximately $70 a month compared to people who never shopped around for lower prices.
If saving money on Mazda 3 insurance is your goal, then knowing how to shop for coverage rates can save time, money, and frustration.
Steps to finding discount Mazda 3 insurance in Santa Ana
Really, the only way to find more affordable car insurance rates in Santa Ana is to compare prices once a year from insurance carriers in California.
First, learn about policy coverages and the measures you can take to lower rates. Many factors that are responsible for high rates such as your driving record and poor credit history can be remedied by making lifestyle changes or driving safer.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while independent agencies can provide prices for a wide range of insurance providers.
Third, compare the new rates to your existing policy to see if a cheaper rate is available in Santa Ana. If you can save money and switch companies, verify that coverage does not lapse between policies.
A crucial key to this process is that you'll want to make sure you compare the same deductibles and limits on each quote request and and to get rates from as many car insurance companies as possible. Doing this enables a fair price comparison and maximum price selection.
Big-name insurance companies like Allstate and Progressive continually bombard you with advertising and it is difficult to see past the corporate glitz and find the best price available.
You need to get comparison quotes at least once a year because insurance prices are rarely the same from one policy term to another. If you had the lowest price on Mazda 3 insurance in Santa Ana a few years ago you can probably find a lower rate today. You can find a lot of wrong information about 3 insurance on the web, but in this article, you're going to get some guaranteed methods to put money back in your pocket.
Most companies such as Progressive, GEICO, Allstate and State Farm make it easy to get pricing directly from their websites. Obtaining pricing for Mazda 3 insurance in Santa Ana is fairly simple as you just type in your required coverages as requested by the quote form. When the form is submitted, the system automatically orders information on your driving record and credit history and returns a price quote based on these factors. Using the web to get quotes for Mazda 3 insurance in Santa Ana makes comparing rates easy, and it's very important to compare as many rates as possible if you are searching for the lowest payment.
To quickly find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you duplicate deductibles and limits exactly as they are listed on your policy. This way, you are getting an apples-to-apples comparison based on similar coverages.
The companies shown below offer free rate quotes in Santa Ana, CA. If multiple companies are shown, it's a good idea that you click on several of them in order to get a fair rate comparison.
Car insurance discounts help lower rates for Mazda 3 insurance in Santa Ana
Some providers don't always advertise every possible discount in a way that's easy to find, so the below list has a few of the more common and also the more inconspicuous discounts that you may qualify for.
- Discounts for Seat Belt Usage - Forcing all vehicle occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
- Air Bag Discount - Options like air bags can qualify for discounts of 20% or more.
- Low Mileage Discounts - Fewer annual miles on your Mazda can earn discounted car insurance rates on garaged vehicles.
- Early Renewal Discounts - A few insurance companies allow discounts for renewing your policy prior to your current 3 insurance policy expiring. You could save around 10% when you buy Santa Ana car insurance online.
- Own a Home - Owning your own home or condo can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
- ABS and Traction Control Discounts - Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
- Multi-Vehicle Discounts - Buying coverage for multiple vehicles with one company can get a discount for every vehicle.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn't work that way.
The chart below illustrates the difference between Mazda 3 auto insurance costs with and without some available policy discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, homeowner, multi-car, and multi-policy discounts applied.
Car insurance companies that may offer quotes with these money-saving discounts include:
If you need the cheapest Mazda 3 rate quotes, ask every prospective company which credits you are entitled to. A few discounts might not apply in your state. To locate insurers that offer discounts in Santa Ana, click this link.
Rates and information analytics
The price information shown below covers detailed analysis of coverage costs for Mazda 3 models. Being aware of how prices are figured can benefit drivers when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $390 | $576 | $578 | $34 | $174 | $1,752 | $146 |
| 3 I SV 4-Dr Sedan | $390 | $576 | $578 | $34 | $174 | $1,752 | $146 |
| 3 I Touring 4-Dr Sedan | $390 | $678 | $578 | $34 | $174 | $1,854 | $155 |
| 3 S Sport 4-Dr Hatchback | $440 | $678 | $578 | $34 | $174 | $1,904 | $159 |
| 3 S Sport 4-Dr Sedan | $440 | $678 | $578 | $34 | $174 | $1,904 | $159 |
| 3 S Grand Touring 4-Dr Hatchback | $440 | $678 | $578 | $34 | $174 | $1,904 | $159 |
| 3 S Grand Touring 4-Dr Sedan | $440 | $678 | $578 | $34 | $174 | $1,904 | $159 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in vehicle garaging location which can affect coverage prices significantly.
Rate comparison for different deductibles
The hardest decision when buying coverage is which deductible level should you buy. The premium rates below outline the differences in premium rates when you select higher and lower policy deductibles. The first table uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 3 I SV 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 3 I Touring 4-Dr Sedan | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| 3 S Sport 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 3 S Sport 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 3 S Grand Touring 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 3 S Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 3 I SV 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 3 I Touring 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| 3 S Sport 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Sport 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Grand Touring 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific Santa Ana garaging location which can lower or raise coverage rates considerably.
Based on the figures above, using a $250 deductible costs approximately $34 more each month or $408 annually than buying the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 22 months between claim filings, you would probably save some money if you decide on a higher deductible.
The diagram below illustrates how your choice of deductibles and can raise or lower Mazda 3 annual premium costs for different ages of insureds. The rates are based on a single female driver, comp and collision included, and no policy discounts are applied.
Males versus Females
The example below compares Mazda 3 car insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied.