How long have you put off shopping around for cheaper Mazda 3 insurance in Riverside? Comparing and finding cheap coverage rates for Mazda 3 insurance in Riverside is always very difficult for drivers new to online rate comparisons. With literally dozens of companies competing online, it can easily be a ton of work to locate the lowest price in California.
How to quote cheaper Mazda 3 insurance in Riverside
If you want to save money, the best way to get affordable Mazda 3 insurance in Riverside is to regularly compare quotes from providers who sell insurance in California. You can compare rates by completing these steps.
- Step 1: Try to learn about the coverage provided by your policy and the changes you can make to keep rates down. Many things that result in higher rates such as distracted driving and a not-so-good credit history can be remedied by making lifestyle changes or driving safer.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from many different companies.
- Step 3: Compare the new rates to your existing rates to determine if you can save on 3 insurance in Riverside. If you find a better price, verify that coverage does not lapse between policies.
- Step 4: Notify your company or agent to cancel your existing policy and submit the signed application along with the required initial payment to your new agent or company. When you receive it, put the proof of insurance certificate with the vehicle registration.
The most important part of shopping around is to make sure you’re comparing the same level of coverage on every quote request and and to compare all possible companies. Doing this enables an apples-to-apples comparison and a thorough price selection.
Unimaginable but true, most California car insurance customers kept their policy with the same company for well over three years, and approximately 40% of consumers have never compared car insurance rates at all. American consumers could save an average of roughly $850 each year, but they don’t want to take the time to find lower-cost rates by getting comparison quotes.
If you currently have a car insurance policy, you will definitely be able to find the best rates using the concepts covered in this article. Obtaining price quotes for the most affordable insurance policy in Riverside is quite easy. But California vehicle owners benefit from understanding how insurance companies set your policy premium and apply this information to your search.
Many insurance companies like Progressive, GEICO, Allstate and State Farm make it easy to get prices on their websites. Comparing Mazda 3 insurance rates online is pretty easy because you just enter your coverage information on the page. Once you submit the form, the quote system sends out for reports for credit and driving violations and returns a price quote based on these and other factors.
This streamlines rate comparisons, and it’s also necessary to do this if you want to get cheap prices.
To quickly get comparison pricing now, compare rate quotes from the providers shown below. To compare your current rates, we recommend that you enter coverages and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting a price comparison based on identical coverages.
The car insurance companies shown below are ready to provide free rate quotes in California. If more than one company is shown, we recommend you compare several of them in order to find the most competitive rates.
Rates and statistics
The rate information displayed below showcases different coverage costs for Mazda 3 models. Learning a little about how auto insurance 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||$332||$564||$450||$26||$134||$1,506||$126|
|3 I SV 4-Dr Sedan||$332||$564||$450||$26||$134||$1,506||$126|
|3 I Touring 4-Dr Sedan||$332||$664||$450||$26||$134||$1,606||$134|
|3 S Sport 4-Dr Hatchback||$374||$664||$450||$26||$134||$1,648||$137|
|3 S Sport 4-Dr Sedan||$374||$664||$450||$26||$134||$1,648||$137|
|3 S Grand Touring 4-Dr Hatchback||$374||$664||$450||$26||$134||$1,648||$137|
|3 S Grand Touring 4-Dr Sedan||$374||$664||$450||$26||$134||$1,648||$137|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific location information which can impact price quotes noticeably.
Higher deductibles save money
When shopping for insurance, a common question is which deductibles should you choose. The comparisons below can help you visualize the cost difference when you select higher and lower comp and collision deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second price table uses a $500 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||$278||$464||$442||$26||$132||$1,342||$112|
|3 I SV 4-Dr Sedan||$278||$464||$442||$26||$132||$1,342||$112|
|3 I Touring 4-Dr Sedan||$278||$546||$442||$26||$132||$1,424||$119|
|3 S Sport 4-Dr Hatchback||$314||$546||$442||$26||$132||$1,460||$122|
|3 S Sport 4-Dr Sedan||$314||$546||$442||$26||$132||$1,460||$122|
|3 S Grand Touring 4-Dr Hatchback||$314||$546||$442||$26||$132||$1,460||$122|
|3 S Grand Touring 4-Dr Sedan||$314||$546||$442||$26||$132||$1,460||$122|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in Riverside location which can revise rates substantially.
Based on this data, using a $250 deductible could cost the average driver approximately $18 more each month or $216 for a full year than opting for the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 14 months between claim filings, you would save money if you choose a higher deductible.
The example below shows how choosing a deductible and can influence Mazda 3 insurance prices for different categories of driver ages. The premiums are based on a married female driver, comp and collision included, and no additional discounts are factored in.
Three reasons to not skimp on car insurance
Despite the high cost of buying insurance for a Mazda 3 in Riverside, insurance is not optional due to several reasons.
First, just about all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your 3, almost all lenders will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank may buy a policy for your Mazda at a more expensive rate and force you to pay much more than you were paying before.
Third, insurance protects both your Mazda 3 and your assets. It also can pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance definitely exceed the price paid, especially if you ever need it. Despite what companies tell you, the average driver is overpaying more than $869 every year so compare quotes from several companies once a year at a minimum to be sure current rates are still competitive.
How Your 3 Insurance Prices are Determined
A large part of saving on car insurance is knowing a few of the rating criteria that go into determining car insurance rates. If you understand what determines base rates, this enables informed choices that could result in better car insurance rates.
The list below includes a few of the “ingredients” used by companies to determine your premiums.
Prices go up with performance – The make and model of the car you are insuring makes a huge difference in your auto insurance rates. The most favorable rates are for small economy passenger vehicles, but other factors influence the final cost greatly.
The next chart uses these variables: single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It shows Mazda 3 insurance premiums compared to other models of vehicles that have a range of performances.
Infrequent drivers can save – The higher the mileage driven annually the higher your rates will be. The majority of insurers calculate prices determined by how the vehicle is used. Cars that are left in the garage can get a lower rate than those used for commuting. It’s always a good idea to double check that your car insurance policy is rated on the correct driver usage. An incorrectly rated 3 is just wasting money.
Save money by having excellent credit – Having a good credit history is a big factor in determining premium rates. Consumers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with bad credit. Therefore, if your credit rating can be improved, you could be paying less to insure your Mazda 3 by taking the time to improve your credit score.
Age of drivers impacts rates – Older insureds tend to be more responsible, statistically cause fewer accidents, and receive fewer citations. Inexperience drivers are proven to be more careless in a vehicle so they pay higher car insurance rates.
The chart below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Extra coverages that may not be needed – Insurance companies have many extra bells and whistles you can purchase on your car insurance policy. Coverages like personal injury protection, towing coverage, and term life insurance are some examples. They may seem good when you first buy your policy, but your needs may have changed so think about removing them and cutting costs.
Where you reside – Having an address in a small town may provide you with better prices when talking about car insurance. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large California cities regularly have more traffic problems and much longer commute distances. Higher commute times means higher likelihood of an accident.
Gender as a rate factor – The statistics show that women are safer drivers than men. This data doesn’t prove that men are worse drivers. Both sexes cause at-fault accidents in similar numbers, but the males have accidents that have higher claims. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
The example below illustrates the comparison of Mazda 3 insurance prices for male and female drivers. The premiums are based on no accidents, no driving violations, full coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.
Consolidate and save – Many insurance companies apply better rates to clients who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can be 10 percent or more. Even if you qualify for this discount already, consumers should still comparison shop to make sure you are getting the best deal.
Insurance loss data for Mazda 3 vehicles – Companies analyze past claim statistics as a tool for profitable underwriting. Vehicles that are shown to have a higher amount or frequency of claims will have a higher premium rate. The next table 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 represented as 100. Percentages below 100 imply a favorable loss record, while values that are above 100 indicate higher probability of having a loss or statistically larger claims.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Mazda 3 Hatchback||91||80||96||81||73||86|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Cheaper rates on Mazda 3 insurance in Riverside with these discounts
Some providers don’t always advertise all discounts very well, so the list below contains some of the more common as well as the least known credits that may apply to you. If you do not double check each discount you deserve, you could be getting lower rates.
- Multi-line Discount – Select insurance companies reward you with a break if you buy a life policy as well.
- Senior Citizen Discount – If you’re over the age of 55, you may qualify for a slight reduction on a Riverside auto insurance quote.
- Telematics Devices – Insureds who allow driving data submission to track driving manner by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they have good driving habits.
- Multiple Vehicles – Drivers who insure multiple cars or trucks with one company may reduce the rate for each vehicle.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
- Bundled Policy Discount – When you combine your auto and home insurance and insure them with the same company you will save at least 10% off all policies.
- No Accidents – Drivers with accident-free driving histories can save substantially in comparison to bad drivers.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save a little on medical payment and PIP coverage.
One thing to note about discounts is that many deductions do not apply to the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The information below visualizes the comparison of Mazda 3 insurance costs with and without discounts. The premium estimates are based on a female driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, multi-car, and homeowner discounts applied.
Some companies that may offer quotes with most of these discounts may include but are not limited to:
Before you buy a policy, ask every prospective company what discounts are available to you. Discounts may not apply to policyholders in Riverside. For a list of companies that offer discounts in California, click here.
Insurance agents can help
Keep in mind that when it comes to choosing coverage online or from an agent, there really is no single plan that fits everyone. Your situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.
- Is my teenager covered with friends in the car?
- Does coverage extend to a rental car in a foreign country?
- Do I need to call my car insurance company before buying a new car?
- Does coverage extend to my business vehicle?
- Can my babysitter drive my car?
- Does my liability insurance cover pulling a trailer or camper?
- Do I have any recourse if my insurance company denies a claim?
- Do they offer discounts for home and auto coverage?
- Why am I be forced to buy a membership to get insurance from some companies?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Local neighborhood Riverside car insurance agents
Many drivers still like to sit down and talk to an agent and doing that can be a smart decision One of the best bonuses of comparing insurance online is that you can find lower rates and still have a local agent. Supporting local insurance agents is important especially in Riverside.
After completing this form (opens in new window), your insurance coverage information is sent to participating agents in Riverside that can provide free Riverside auto insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent on your own because prices are sent to you instantly. You can find the lowest rates and an insurance agent to talk to. In the event you want to compare rates from a specific insurance provider, just navigate to their website and complete a quote there.
When finding a local agent, it’s helpful to know the different agency structures and how they are distinctly different. Insurance agencies in Riverside are considered either independent (non-exclusive) or exclusive.
Independent Insurance Agents
Independent insurance agents often have affiliation with several companies so they can write business with multiple insurance companies and find you the best rates. To transfer your coverage to a different company, your agent can just switch to a different company and you won’t have to switch agencies.
When comparing insurance prices, we recommend you get some free quotes from at least one independent agent to get the most accurate price comparison. Many can place coverage with different regional companies which can be an advantage.
Shown below are independent insurance agencies in Riverside that can possibly get you pricing information.
- Applied General Agency
1485 Spruce St – Riverside, CA 92507 – (951) 686-6120 – View Map
- Riverside Insurance Agency Inc.
#B, 125 W La Cadena Dr – Riverside, CA 92501 – (951) 684-3500 – View Map
- Preferred Insurance
3501 Adams St – Riverside, CA 92504 – (951) 689-4830 – View Map
Exclusive Insurance Agencies
These type of agents are contracted to one company such as AAA, Allstate, and State Farm. They generally cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are well trained on their products and sales techniques which helps offset the inability to provide other markets. A lot of people choose to use an exclusive agent mainly due to the prominence of the brand rather than low rates.
Below is a list of exclusive agencies in Riverside who can help you get rate quotes.
- State Farm: Ollie Hatch Jr
6748 Brockton Ave – Riverside, CA 92506 – (888) 231-8822 – View Map
- Farmers Insurance – Juan Zaragoza
3333 Central Ave b – Riverside, CA 92506 – (951) 367-1490 – View Map
- Allstate: Gene P. Johnson
7201 Arlington Ave – Riverside, CA 92503 – (951) 689-3211 – View Map
Picking the best insurance agency is decision based upon more than just the price. A good agent in Riverside will have answers to these questions.
- Are they properly licensed to sell insurance in California?
- Can you get a list of referrals?
- Will you work with the agent or an assistant?
- Do they assist clients in filing claims?
- Do they see any coverage gaps in your plan?
Don’t give up on affordable coverage
More affordable auto insurance in Riverside can be found online as well as from insurance agents, and you need to comparison shop both to have the best selection. Some companies may not have online quoting and these smaller companies sell through independent agents.
When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.
Throughout this article, we presented many ideas to find affordable Mazda 3 insurance in Riverside. The key thing to remember is the more companies you get rates for, the higher your chance of finding affordable Mazda 3 insurance quotes. Drivers may even discover the lowest prices are with some of the lesser-known companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.
How to find better rates for Mazda 3 insurance in Riverside
If you want to save money, the best way to get more affordable auto insurance rates is to compare quotes once a year from insurance carriers that sell auto insurance in Riverside. Rate comparisons can be done by following these guidelines.
Step 1: Try to learn a little about the different coverages in a policy and the steps you can take to keep rates in check. Many factors that cause high rates such as inattentive driving and a bad credit score can be eliminated by making small lifestyle or driving habit changes.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
Step 3: Compare the price quotes to your current policy to determine if you can save on 3 insurance in Riverside. If you find a better price and change companies, ensure there is no coverage lapse between policies.
Step 4: Give proper notification to your current agent or company of your intention to cancel your current auto insurance policy and submit the application along with any required down payment for your new coverage. As soon as you receive it, place the new certificate verifying proof of insurance in an easily accessible location.
The key thing to remember is that you use the same coverage limits and deductibles on each price quote and and to get rates from as many companies as you can. Doing this guarantees a level playing field and the most accurate and complete price analysis.
To read more, take a look at these articles:
- How to Avoid Common Accidents (State Farm)
- Who Has Cheap Car Insurance Quotes for a Toyota Corolla in Riverside? (FAQ)
- Who Has Affordable Riverside Car Insurance for a Toyota Tacoma? (FAQ)
- What Insurance is Cheapest for 18 Year Olds in Riverside? (FAQ)
- Who Has Affordable Auto Insurance for Safe Drivers in Riverside? (FAQ)
- How Much are Riverside Car Insurance Quotes for a Dodge Ram? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Camry in Riverside? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)