We don’t have to point out that fact that car insurance companies want to keep you from comparing prices. Drivers who shop around at least once a year are very likely to switch to a new company because they have a good chance of finding coverage at a cheaper rate. A recent insurance study discovered that people who make a habit of shopping around saved as much as $72 a month compared to those who never compared rates.
If finding the most affordable Mazda 3 insurance in Scottsdale is your ultimate goal, then learning about the best way to shop and compare insurance rates can save time and money.
If your goal is the lowest price, then the best way to get the cheapest Mazda 3 insurance is to regularly compare price quotes from providers in Scottsdale.
- Step 1: Take a little time to learn about how car insurance works and the changes you can make to prevent expensive coverage. Many rating factors that are responsible for high rates like traffic citations and an unacceptable credit history can be improved by making small lifestyle or driving habit changes. Continue reading for ideas to help find cheaper rates and find additional discounts you may qualify for.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agents can quote prices for a wide range of insurance providers. Select a company
- Step 3: Compare the price quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
- Step 4: Provide notification to your current company of your intent to cancel the current policy and submit the required down payment along with the signed application to your new company or agent. As soon as you receive it, place your new proof of insurance paperwork in your glove compartment.
A crucial key to this process is that you’ll want to compare similar limits and deductibles on each quote and and to compare as many companies as you can. This ensures an apples-to-apples comparison and a thorough price selection.
If you have a current insurance policy, you will definitely be able to reduce premiums using the techniques presented in this article. Obtaining price quotes for the most affordable insurance in Scottsdale is not that difficult. Nevertheless, Arizona vehicle owners benefit from understanding the methods companies use to compete online and use it to your advantage.
Cheap Scottsdale Mazda 3 insurance quotes online
Keep in mind that more quotes gives you a better chance of getting more affordable rates.
The car insurance companies shown below are our best choices to provide comparison quotes in Scottsdale, AZ. To find cheap auto insurance in Arizona, we recommend you visit two to three different companies in order to find the most affordable rates.
Mazda 3 insurance rates and statistics
The premium information shown below covers estimates of rate quotes for Mazda 3 models. Learning a little about how auto insurance prices are determined is important for drivers to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| 3 I SV 4-Dr Sedan | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| 3 I Touring 4-Dr Sedan | $162 | $382 | $338 | $20 | $102 | $1,004 | $84 |
| 3 S Sport 4-Dr Hatchback | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| 3 S Sport 4-Dr Sedan | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| 3 S Grand Touring 4-Dr Hatchback | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| 3 S Grand Touring 4-Dr Sedan | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific Scottsdale garaging location which can revise insurance rates noticeably.
Policy deductibles
One of the most common insurance questions is how high or low should comp and collision deductibles be. The figures shown below outline how much more you’ll pay when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| 3 I SV 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| 3 I Touring 4-Dr Sedan | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| 3 S Sport 4-Dr Hatchback | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 3 S Sport 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 3 S Grand Touring 4-Dr Hatchback | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 3 S Grand Touring 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| 3 I SV 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| 3 I Touring 4-Dr Sedan | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| 3 S Sport 4-Dr Hatchback | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 3 S Sport 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 3 S Grand Touring 4-Dr Hatchback | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 3 S Grand Touring 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific location which can change prices noticeably.
Based on the above data, using a $100 deductible costs approximately $33 more each month or $396 annually averaged for all 3 models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 27 months between claims, you would save more money going with the higher deductible.
The chart below shows how choosing a deductible and can raise or lower Mazda 3 insurance prices for different age groups of insureds. The information is based on a single male driver, full coverage, and no discounts are applied to the premium.
Do you need full coverage?
The illustration below shows the comparison of Mazda 3 insurance rates with full coverage and liability only. The data is based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.
When to stop buying full coverage
There is no exact formula that works best for making the decision to drop full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Mazda 3 book value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after you pay the deductible. If premiums are more than $800 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Insurance policy discounts you can’t miss
Some insurers do not advertise every discount in a way that’s easy to find, so the list below gives a summary of a few of the more well known and the harder-to-find credits that may apply to you.
- Own a Home and Save – Being a homeowner can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.
- Military Deployment Discount – Being on active deployment in the military could be rewarded with lower prices.
- Early Signing – Some insurance companies reward drivers for switching policies prior to your current 3 insurance policy expiration. The savings is around 10%.
- Paperless Signup – Some of the larger companies may give you up to $50 simply for signing on the web.
- More Vehicles More Savings – Drivers who insure multiple cars or trucks on a single policy could earn a price break for each car.
- Student Driver Training – Have your child successfully take a driver’s education course in school or through a local driver safety program.
As a footnote on discounts, most credits do not apply to the whole policy. Most cut individual premiums such as comprehensive or collision. Even though it appears you could get a free insurance policy, companies don’t profit that way.
The chart below illustrates the difference between Mazda 3 insurance prices with and without discounts applied. The premium estimates are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, homeowner, and marriage discounts applied.
Car insurance companies that may have these benefits may include but are not limited to:
It’s a good idea to ask all the companies which discounts they offer. Depending on the company, some discounts may not apply in your area. If you would like to see a list of companies who offer cheap Mazda 3 insurance quotes in Scottsdale, click here to view.
Three reasons to not skimp on insurance
Even though it can be expensive, insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
- Most states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Mazda has a loan, it’s guaranteed your bank will have a requirement that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank or lender will purchase a policy for your Mazda at a significantly higher premium and force you to reimburse them the higher price.
- Insurance safeguards both your vehicle and your assets. It will also reimburse you for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than offset the price you pay, especially when you need to use it. The average driver in Arizona is overpaying over $850 per year so it’s very important to do a rate comparison every year to make sure the price is not too high.
Insurance agencies near you
Many drivers just want to have an agent’s advice and that can be a smart move A nice benefit of getting free rate quotes online is the fact that you can find cheap car insurance rates and still have a local agent.
After completing this quick form, your information is instantly submitted to local insurance agents in Scottsdale who will give you quotes for your coverage. You won’t need to search for any insurance agencies as quotes are delivered straight to your inbox. You can find lower rates and a licensed agent to work with. If you need to get a rate quote from a specific insurance company, feel free to visit that company’s website and fill out the quote form the provide.
Selecting an insurance company is decision based upon more than just the premium amount. These are some questions you should get answers to.
- Do you need full coverage on every vehicle?
- Are they full-time agents?
- Is auto insurance their primary focus in Scottsdale?
- Where are claims handled?
- Where would glass claims be handled in Scottsdale?
- Can they give you a list of client referrals?
- Will your rates increase after a single accident?
Exclusive and independent Scottsdale car insurance agents
If you need to find a good insurance agency, there are two types of agencies and how they can service your needs differently. Car insurance agents in Scottsdale are categorized either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Exclusive agencies generally can only insure with one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are well trained on the products they sell and that enables them to sell even at higher rates. A lot of people choose to use a exclusive agent partially due to the brand rather than having the cheapest rates.
Below is a list of exclusive insurance agencies in Scottsdale who may provide you with price quote information.
- Jim Wurbel – State Farm Insurance Agent
10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090 – View Map - Joe Lankau – State Farm Insurance Agent
10458 E Jomax Rd #105 – Scottsdale, AZ 85262 – (480) 585-5003 – View Map - Jordan Bowden – State Farm Insurance Agent
10135 E Vía Linda D127 – Scottsdale, AZ 85258 – (480) 634-6315 – View Map
Independent Insurance Agents
Independent agencies do not sell for just one brand and that is an advantage because they can write policies through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your policy is moved internally which requires no work on your part.
When searching for an agent, you will want to compare quotes from independent agents so that you can do a thorough price comparison. A lot of them also have access to small regional insurance companies that may provide cheaper car insurance rates.
Below is a list of independent agents in Scottsdale that are able to give price quotes.
- Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map - Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400 – View Map - Summit Insurance Advisors
5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map