Mazda 3 Insurance Quotes in Birmingham

Insurance rates Mazda 3 in BirminghamPurchasing budget-priced Birmingham Mazda 3 insurance quotes on the internet may seem to be problematic for drivers that are relatively new to comparing rates on the internet. With such a large number of agents and companies competing online, how can anyone be able to compare all the different companies and get better car insurance prices?

It's hard to believe, but most car insurance buyers have bought car insurance from the same company for at least the last four years, and just short of a majority have never taken the time to shop around. Birmingham drivers could save roughly 40% every year by just shopping around, but they just don't understand how much they could save if they replace their high priced policy.

It's important to price shop coverage before your policy renews since prices go up and down regularly. Even if you got the best deal on Mazda 3 insurance in Birmingham six months ago you will most likely find a better rate quote today. Ignore everything you know about car insurance because it's time to teach you one of the easiest ways to remove unneeded coverages and save money.

Mazda 3 insurance discounts in Birmingham

Some providers don't list the complete list of policy discounts very well, so here is a list both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy Birmingham auto insurance online.

As is typical with insurance, most of the big mark downs will not be given to the whole policy. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates all those discounts means the company will pay you, car insurance companies aren't that generous.

Companies and some of the discounts include:

Double check with every company which discounts they offer. A few discounts may not be offered in Birmingham.

To find the best car insurance rates, there are several ways of comparing rate quotes from many different Alabama insurance companies. The best method to compare rates is simply to get online rate quotes.

Just keep in mind that having more price comparisons helps you find more affordable rates.

The following companies have been selected to offer free rate quotes in Alabama. If the list has multiple companies, it's highly recommended you visit several of them in order to find the most affordable rates.

Mazda 3 Insurance Estimates in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $208 $408 $408 $24 $122 $1,170 $98
3 I SV 4-Dr Sedan $224 $430 $382 $22 $114 $1,172 $98
3 I Touring 4-Dr Sedan $224 $512 $318 $18 $94 $1,166 $97
3 S Sport 4-Dr Hatchback $142 $276 $324 $20 $96 $858 $72
3 S Sport 4-Dr Sedan $266 $514 $456 $26 $136 $1,398 $117
3 S Grand Touring 4-Dr Hatchback $266 $514 $456 $26 $136 $1,398 $117
3 S Grand Touring 4-Dr Sedan $266 $514 $456 $26 $136 $1,398 $117
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in vehicle garaging location which can revise insurance rates noticeably.

Policy deductible comparison

The diagram below highlights how deductible selection and can change Mazda 3 insurance premiums for different age groups. The rate quotes are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

Choosing deductibles

One of the most common car insurance questions is how high should the deductibles for physical damage be. The rates below help summarize how much more rates are between low and high comp and collision deductibles. The first data table uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Mazda 3 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $290 $524 $338 $20 $100 $1,297 $108
3 I SV 4-Dr Sedan $290 $524 $338 $20 $100 $1,297 $108
3 I Touring 4-Dr Sedan $290 $618 $338 $20 $100 $1,391 $116
3 S Sport 4-Dr Hatchback $328 $618 $338 $20 $100 $1,429 $119
3 S Sport 4-Dr Sedan $328 $618 $338 $20 $100 $1,429 $119
3 S Grand Touring 4-Dr Hatchback $328 $618 $338 $20 $100 $1,429 $119
3 S Grand Touring 4-Dr Sedan $328 $618 $338 $20 $100 $1,429 $119
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Mazda 3 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $212 $354 $338 $20 $100 $1,024 $85
3 I SV 4-Dr Sedan $212 $354 $338 $20 $100 $1,024 $85
3 I Touring 4-Dr Sedan $212 $418 $338 $20 $100 $1,088 $91
3 S Sport 4-Dr Hatchback $240 $418 $338 $20 $100 $1,116 $93
3 S Sport 4-Dr Sedan $240 $418 $338 $20 $100 $1,116 $93
3 S Grand Touring 4-Dr Hatchback $240 $418 $338 $20 $100 $1,116 $93
3 S Grand Touring 4-Dr Sedan $240 $418 $338 $20 $100 $1,116 $93
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in specific garaging location which can increase or decrease prices considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $25 more each month or $300 a year than requesting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 16 months between claims, you would probably save some money if you choose a higher deductible.

Car insurance prices based on gender

The example below illustrates the difference between Mazda 3 insurance costs for male and female drivers. Data assumes no claims or driving violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

How Your 3 Insurance Costs are Determined

Part of the insurance buying process is learning some of the elements that go into determining your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower premium levels. Lots of things are used when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other criteria are not as apparent such as your credit history or how safe your car is.

The itemized list below are some of the most common factors used by your company to calculate your premiums.

Driving citations will cost you - How you drive has a big impact on rates. Careful drivers have lower premiums than bad drivers. Only having one citation can increase the cost of insurance forty percent or more. Drivers with careless violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state's licensing department in order to prevent their license from being revoked.

What type of car do you drive? - The performance of the vehicle you are buying insurance for makes a big difference in determining your rates. The cheapest rates are usually for economy passenger cars, but other factors influence the final cost greatly. Since the Mazda 3 is classified as a compact sedan, rates will be the same to a little lower than the average rate where you live in Birmingham.

Are you male or female? - The statistics show that females tend to be a little less risky than males. Now that doesn't mean females are better at driving than males. They both get in auto accidents at a similar rate, but the men have accidents that have higher claims. Not only are claims higher, but men get ticketed for serious violations like DUI and reckless driving. Youthful male drivers are the most expensive to insure so they pay the highest premiums.

Pleasure use or commuting - The higher the mileage driven every year the higher your rates will be. The majority of insurers charge to insure your cars based upon how the vehicle is primarily used. Autos used primarily for pleasure use receive lower rates than cars that get driven a lot. Verify your declarations sheet properly reflects the correct driver usage. An incorrectly rated 3 can cost quite a bit.

Your employer is a factor - Jobs such as fire fighters, architects and accountants generally pay higher rates than average due to intense work situations and incredibly demanding work hours. Other occupations such as farmers, athletes and homemakers get better rates.

Get better rates if married - Walking down the aisle helps lower the price compared to being single. It may mean you are more mature it has been statistically shown that married drivers tend to have fewer serious accidents.

Cheaper rates with high coverage deductibles - Comp and collision deductibles tell how much you are willing to pay out-of-pocket if a covered claim is submitted. Insurance for physical damage to your car, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply would be rearending another vehicle, animal collisions, or theft of your vehicle. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance.

Premiums drop with age - Young drivers in Alabama are known to be more careless when driving so they pay higher insurance rates. Older, more experienced drivers are more cautious drivers, tend to file fewer claims, and usually have better credit.

Mazda 3 historical loss data - Companies use historical loss data to determine a price that will be profitable for them. Models that the data determines to have high amounts or severity of claims will cost more for specific coverages. The information below illustrates the collected loss data for Mazda 3 vehicles.

For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is set at 100. Numbers below 100 are indicative of better than average losses, while values over 100 indicate higher probability of having a loss or an increased chance of a larger loss.

Insurance Loss Ratings for Mazda 3 Vehicles

Specific Mazda Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Mazda 3 99 104 96 106 110 103
Mazda 3 Hatchback 91 80 96 81 73 86

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Should I get advice from a local insurance agent?

Certain consumers still like to go talk to an agent and that is just fine! A good thing about comparing rates online is you may find lower car insurance rates and still choose a local agent. And buying from local insurance agents is important particularly in Birmingham.

Find insurance agent in BirminghamBy using this quick form, the coverage information gets sent to agents in your area who will give you bids for your insurance coverage. You never need to search for any insurance agencies since price quotes are sent instantly to you. You can get cheaper auto insurance rates and a licensed agent to talk to. If you want to compare prices from a specific insurance company, feel free to search and find their rate quote page and give them your coverage information.

If you're trying to find a local agent, it can be helpful to understand the different agency structures that you can choose from. Auto insurance policy providers are considered either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Agents that elect to be independent do not write with just one company and that allows them to write policies with an assortment of companies and get you the best rates possible. To transfer your coverage to a different company, your policy is moved internally which is easy for the insured.

When searching for an agent, you definitely need to include price quotes from a couple of independent agencies to have the best price comparison. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.

Shown below is a small list of independent agents in Birmingham that can possibly get you comparison quotes.

More insurance agents

Exclusive Agents

These type of agents can only quote rates from one company and some examples include Farmers Insurance, State Farm, or Allstate. These agents are not able to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on what they offer which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents mostly because of the brand name rather than having low rates.

Shown below is a list of exclusive agents in Birmingham that are able to give comparison quotes.

More insurance agents

Selecting a insurance agency requires more thought than just the quoted price. These are some questions your agent should answer.

Insurance in Alabama serves several purposes

Even though Birmingham 3 insurance rates can get expensive, buying insurance is required for several reasons.

First, just about all states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car legally. In Alabama these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a lienholder, more than likely the lender will make it mandatory that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Mazda for a lot more money and force you to reimburse them much more than you were paying before.

Third, insurance safeguards your car and your assets. It will also provide coverage for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense in the event you are sued. If mother nature or an accident damages your car, your insurance policy will cover the repair costs.

The benefits of carrying enough insurance outweigh the cost, especially if you ever need it. On average, a vehicle owner in Birmingham is wasting up to $869 every year so you should quote and compare rates each time the policy renews to ensure rates are competitive.

Lower rates by being persistent

When you buy Birmingham auto insurance online, it's a bad idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability coverage limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost.

Cheaper Mazda 3 insurance in Birmingham can be bought on the web as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and most of the time these smaller providers provide coverage only through local independent agents.

Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, delays in paying claims, questionable increases in premium or denial of a claim. Whatever your reason, switching car insurance companies is easier than you think.

More detailed car insurance information can be found by following these links: