Compare Mazda 3 Insurance Quotes in Atlanta

No sane person fancies paying their premiums for insurance, especially knowing they could get a better deal.

Insurance rates Mazda 3 in AtlantaRegrettably, nearly 70% of customers have purchased from the same company for at least four years, and practically 40% of insurance customers have never taken the time to shop around. Many drivers in Georgia can cut their rates by 60% a year just by shopping around, but they just feel it’s too hard to shop their coverage around.

Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the best price available on Mazda 3 insurance in Atlanta.

It’s important to get comparison quotes yearly since prices are usually higher with each renewal. Just because you found the best deal on Mazda 3 insurance in Atlanta a few years ago you may be paying too much now. Forget all the misinformation about insurance because we’re going to demonstrate how to use online quotes to buy cheaper Mazda 3 insurance in Atlanta.

If you have auto insurance now, you will surely be able to lower your rates using the techniques covered below. Finding affordable auto insurance coverage in Atlanta is really quite simple as long as you have a good starting point. But Georgia vehicle owners benefit from understanding the way insurance companies charge you for coverage because it can help you find the best coverage.

All major auto insurance companies like State Farm, Allstate and GEICO provide price estimates direct online. Obtaining pricing for Mazda 3 insurance in Atlanta is pretty painless as all you need to do is type in the amount of coverage you want on the page. After the form is submitted, the company’s rating system will order information on your driving record and credit history and generates pricing information. Quoting online for Mazda 3 insurance in Atlanta simplifies rate comparisons, and it is imperative to perform this step in order to find the best auto insurance rates.

To find out if lower rates are available, compare rates now from the companies shown below. If you currently have coverage, we recommend you copy your coverages identical to your current policy. Using the same limits helps guarantee you’re receiving comparison quotes for similar insurance coverage.

The companies shown below provide quotes in Georgia. If multiple companies are listed, it’s a good idea that you visit as many as you can to find the most competitive auto insurance rates.

Mazda 3 Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $376 $752 $532 $32 $158 $1,850 $154
3 I SV 4-Dr Sedan $328 $600 $402 $24 $120 $1,474 $123
3 I Touring 4-Dr Sedan $238 $514 $378 $22 $114 $1,266 $106
3 S Sport 4-Dr Hatchback $214 $404 $370 $22 $110 $1,120 $93
3 S Sport 4-Dr Sedan $380 $742 $532 $32 $158 $1,844 $154
3 S Grand Touring 4-Dr Hatchback $366 $814 $512 $30 $154 $1,876 $156
3 S Grand Touring 4-Dr Sedan $312 $556 $406 $24 $122 $1,420 $118
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific location which can raise or lower insurance rates substantially.

Age-based car insurance rates by gender

The diagram below shows the comparison of Mazda 3 insurance prices for male and female drivers. The premiums assume no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no discounts are factored in.

Why you need Mazda 3 insurance in Georgia

Even though it’s not necessarily cheap to insure a Mazda in Atlanta, maintaining insurance is not optional due to several reasons.

The benefits of buying auto insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is overpaying more than $820 a year so compare quotes from several companies at every renewal to ensure rates are inline.

How to Lower Your Insurance Premiums

An important part of buying insurance is that you know some of the elements that are used to determine the rates you pay for auto insurance. When you understand what determines premiums, this allows you to make educated decisions that could help you find big savings.

The factors shown below are some of the items companies use to determine premiums.

Your stress level may be raising your prices – Occupational choices like military generals, airline pilots, and dentists generally have higher premiums than the average policyholder in part from job stress and extremely grueling work hours. On the other hand, occupations like actors, engineers and homemakers pay lower than average rates.

Cheaper rates with high comp and collision deductibles – Physical damage deductibles define the amount you are required to pay if you file a covered claim. Insurance for physical damage, aka comp and collision, is used to repair damage to your car. Some coverage claims would be rearending another vehicle, vandalism, and having a roll-over accident. The more money you have to pay, the lower your rates will be.

Drive a safer car and pay less – Safe vehicles cost less to insure. Highly rated vehicles help reduce the chance of injuries in an accident and fewer injuries means less claims paid passed on to you as lower rates.

Urban residents pay more – Having an address in areas with lower population has definite advantages if you are looking for the lowest rates. Less people means less chance of accidents. City drivers have to deal with more auto accidents and higher rates of accident claims. Longer commute distances statistically corresponds to a higher accident and claim rate.

Theft deterrents save – Driving a car with a theft deterrent system can help lower your premiums. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft and help bring rates down.

Performance impacts insurance prices – The performance of the car you drive makes a substantial difference in your rates. The lowest premiums are for small economy passenger cars, but the final cost of insurance is determined by many other factors. Since the Mazda 3 is considered a compact sedan, insuring your vehicle will cost the same to a little lower compared to average rates in Atlanta.

Put fewer miles on your vehicle – The more miles you rack up on your Mazda annually the more you’ll pay to insure it. A lot of companies charge rates partially by how you use the vehicle. Vehicles that have low annual miles receive lower rates compared to those used for work or business. Verify your auto insurance policy correctly shows how each vehicle is driven. A policy that improperly rates your 3 is just wasting money.

Insurance loss data for a Mazda 3 – Companies use past insurance losses to calculate a price that will offset any claims. Models that the statistics show to have a higher amount or frequency of claims will cost more for specific coverages.

The next table shows the collected loss data for Mazda 3 vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of make or model, is considered to be 100. Percentage values below 100 indicate better than average losses, while values that are above 100 indicate more frequent claims or an increased probability of a larger loss.

Mazda 3 Insurance Claim Statistics

Vehicle 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

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

Get cheaper Mazda 3 insurance rates in Atlanta

Some companies do not advertise every discount available very clearly, so the list below gives a summary of both the well known and also the more inconspicuous savings tricks you should be using when you buy Atlanta car insurance online. If you aren’t receiving every discount possible, you’re paying more than you need to.Discount car insurance

As a sidenote, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Some companies that may offer policyholders these money-saving discounts may include but are not limited to:

If you are trying to find cheaper Atlanta car insurance quotes, ask each company or agent which credits you are entitled to. Some of the earlier mentioned discounts might not be available to policyholders in every state. If you would like to see a list of insurance companies with discount car insurance rates in Atlanta, follow this link.

There’s no such thing as the perfect insurance policy

When quoting and comparing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique so this has to be addressed.Higher deductibles save money
These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Shop online but buy locally

Certain consumers would rather talk to an insurance agent and that is a smart decision One of the benefits of price shopping on the web is the fact that you can find lower rates and also buy local.

Find insurance agent in AtlantaUpon completion of this short form, your insurance data is transmitted to participating agents in Atlanta that can give you free Atlanta car insurance quotes to get your business. You won’t need to search for an agent since rate quotes are delivered straight to your inbox. You can find the lowest rates AND a local agent. If you want to get a rate quote from a particular provider, you would need to find their quoting web page and give them your coverage information.

Finding the right company requires you to look at more than just the quoted price. Any good agent in Atlanta should know the answers to these questions.

How to choose the best car insurance agent in Atlanta

If you’re trying to find a reliable insurance agency, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Agents in Atlanta can either be exclusive agents or independent agents.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. They are usually well trained on their company’s products which helps them sell insurance even at higher premiums.

Listed below are Atlanta exclusive insurance agents who can help you get comparison quotes.

2030 Bolton Rd NW #200Atlanta, GA 30318(678) 705-5898View Map

1355 Peachtree St NE Ste 103Atlanta, GA 30309(404) 853-3772View Map

3101 Clairmont Rd bAtlanta, GA 30329(404) 321-6688View Map

View more Atlanta agents

Independent Agents

Independent agents often have many company appointments so they can insure your vehicles through lots of different companies and get you the best rates possible. If they find a cheaper price, your agent can switch companies which is easy for the insured. When shopping rates, we highly recommend that you get insurance quotes from a couple of independent agencies to have the best price comparison.

The following is a short list of independent agencies in Atlanta willing to provide rate quotes.

Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4Atlanta, GA 30316(404) 624-3102View Map

5855 Buford Hwy NE # EAtlanta, GA 30340(770) 452-8881View Map

1117 Perimeter Center WAtlanta, GA 30338(770) 396-9600View Map

View more Atlanta agents

Compare insurance rates regularly to save

Discount Mazda 3 insurance in Atlanta can be purchased on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don’t offer rate quotes online and usually these small, regional companies work with independent agents.

Throughout this article, we presented a lot of techniques to find lower-cost Mazda 3 insurance in Atlanta. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the best price on insurance is with a lesser-known regional company. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like Allstate or State Farm.

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