Finding discount Oklahoma City Mazda 3 insurance quotes online might appear overwhelming for beginners to buying insurance on the internet. With so many options of companies competing online, how are we expected to have the ability to compare every company in order to find better car insurance prices?
It’s easy to assume that car insurance companies don’t want customers comparing rates. Consumers who get comparison quotes once a year will most likely switch companies because the odds are good of finding lower rate quotes. A recent survey revealed that people who shopped around saved approximately $70 a month as compared to drivers who didn’t regularly shop around.
If finding the cheapest rates on insurance is your ultimate target, learning the best way to shop and compare insurance coverage can make it easier for you to save money.
Consumers need to compare premium rates before your policy renews because prices tend to go up over time. Just because you had the lowest price on Mazda 3 insurance in Oklahoma City a couple years back the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the easiest ways to find better coverage on Mazda 3 insurance in Oklahoma City at a better price.
Best companies for low-cost Mazda 3 insurance in Oklahoma
The companies in the list below offer comparison quotes in Oklahoma City, OK. If several companies are displayed, it’s highly recommended you compare several of them to get a more complete price comparison.
Mazda 3 insurance rates and statistics
The rate table shown next showcases a range of insurance costs for Mazda 3 models. Learning a little about how prices are calculated can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $168 | $312 | $430 | $26 | $128 | $1,064 | $89 |
| 3 I SV 4-Dr Sedan | $168 | $312 | $430 | $26 | $128 | $1,064 | $89 |
| 3 I Touring 4-Dr Sedan | $168 | $368 | $430 | $26 | $128 | $1,120 | $93 |
| 3 S Sport 4-Dr Hatchback | $188 | $368 | $430 | $26 | $128 | $1,140 | $95 |
| 3 S Sport 4-Dr Sedan | $188 | $368 | $430 | $26 | $128 | $1,140 | $95 |
| 3 S Grand Touring 4-Dr Hatchback | $188 | $368 | $430 | $26 | $128 | $1,140 | $95 |
| 3 S Grand Touring 4-Dr Sedan | $188 | $368 | $430 | $26 | $128 | $1,140 | $95 |
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in specific zip code location which can affect premium rates considerably.
Rate comparison for different deductibles
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The data tables below approximate the differences in price between high and low deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $346 | $584 | $448 | $26 | $134 | $1,563 | $130 |
| 3 I SV 4-Dr Sedan | $346 | $584 | $448 | $26 | $134 | $1,563 | $130 |
| 3 I Touring 4-Dr Sedan | $346 | $688 | $448 | $26 | $134 | $1,667 | $139 |
| 3 S Sport 4-Dr Hatchback | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| 3 S Sport 4-Dr Sedan | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| 3 S Grand Touring 4-Dr Hatchback | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| 3 S Grand Touring 4-Dr Sedan | $392 | $688 | $448 | $26 | $134 | $1,713 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $214 | $368 | $448 | $26 | $134 | $1,190 | $99 |
| 3 I SV 4-Dr Sedan | $214 | $368 | $448 | $26 | $134 | $1,190 | $99 |
| 3 I Touring 4-Dr Sedan | $214 | $432 | $448 | $26 | $134 | $1,254 | $105 |
| 3 S Sport 4-Dr Hatchback | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| 3 S Sport 4-Dr Sedan | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| 3 S Grand Touring 4-Dr Hatchback | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| 3 S Grand Touring 4-Dr Sedan | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in Oklahoma City location which can raise or lower premium rates significantly.
We can derive from the above data that using a $250 deductible will cost you about $35 more each month or $420 a year than selecting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 21 months between claims, you would probably come out ahead if you opt for a higher deductible. Below is a better example of how you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $139 |
| Average monthly premium for $1,000 deductibles (subtract): | – $104 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
Cautious Oklahoma City drivers save money
The diagram below illustrates how speeding tickets and at-fault accidents can increase Mazda 3 car insurance costs for different age groups. The costs are based on a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Mazda 3 insurance costs by age and gender
The diagram below illustrates the difference between Mazda 3 auto insurance rates for male and female drivers. The data is based on no claims, a clean driving record, comp and collision included, $100 deductibles, single status, and no discounts are taken into consideration.
Auto insurance rates and discounts
Not many people think insurance is cheap, but you may be missing some discounts to help bring down the price. Some discounts apply automatically when you purchase, but some discounts are required to be asked for before being credited.
- Discount for Life Insurance – If the company offers life insurance, you could get a lower rate if you buy auto and life insurance together.
- Driver’s Ed – Cut your cost by having your teen driver successfully take a driver’s education course if it’s offered in school.
- Distant College Student Discount – Youth drivers living away from Oklahoma City attending college and do not have access to a covered vehicle could qualify for this discount.
- Sign Early and Save – Some insurance companies reward drivers for buying a new policy before your current 3 insurance policy expires. The savings is around 10%.
- Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small discount on rates.
- Own a Home – Just being a homeowner can save a few bucks because it demonstrates responsibility.
- Multiple Policy Discount – If you can combine your auto and homeowners policy with the same company they may give you a discount of nearly 15% which can help you find the cheapest Mazda 3 insurance in Oklahoma City.
- Professional Organizations – Affiliation with specific professional or occupational memberships or organizations could trigger savings on auto insurance.
It’s important to note that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will definitely reduce your overall bill.
The example below illustrates the comparison of Mazda 3 insurance rates with and without some available policy discounts. The premiums are based on a male driver, no claims or violations, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, claim-free, and homeowner discounts applied.
The best auto insurance companies and a selection of discounts can be read below.
- Mercury Insurance may offer discounts for good driver, good student, professional/association, accident-free, and low natural disaster claims.
- Farmers Insurance may have discounts that include multi-car, business and professional, alternative fuel, bundle discounts, teen driver, mature driver, and pay in full.
- Farm Bureau offers discounts including safe driver, driver training, 55 and retired, renewal discount, and multi-policy.
- State Farm discounts include Steer Clear safe driver discount, multiple policy, defensive driving training, multiple autos, and good driver.
- Allstate policyholders can earn discounts including anti-lock brakes, new car, senior citizen, defensive driver, and auto/life discount.
- GEICO has savings for five-year accident-free, membership and employees, daytime running lights, defensive driver, and emergency military deployment.
If you want low cost Oklahoma City car insurance quotes, ask every prospective company to give you their best rates. Some discounts may not apply to policies in your area. To locate providers that offer some of these discounts in Oklahoma City, click this link.
Local neighborhood insurance agents
Certain consumers just want to visit with an insurance agent and that is recommended in a lot of cases The biggest benefit of comparing insurance online is you can get the best rates and still have an agent to talk to. Supporting local agents is especially important in Oklahoma City.
To find an agent, once you fill out this short form, your information is instantly submitted to agents in your area who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to find an agent due to the fact that quote results will go directly to you. You can find better rates AND an agent nearby. If you need to get a rate quote for a specific company, you would need to navigate to their website and complete a quote there.
Deciding on an insurance company is decision based upon more than just the premium amount. Agents should be asked these questions:
- Does the agency support the community they serve?
- How much will you save each year by using a higher deductible?
- Do they offer rental car reimbursement?
- How much training do they have in personal risk management?
- When do they do a full risk review?
After getting good responses to these questions and an affordable coverage quote, you may have found an insurer that meets the requirements to properly service your insurance policy.
Best car insurance in Oklahoma City
Picking the highest-rated insurance provider can be rather challenging considering how many choices there are in Oklahoma City. The ranking data in the lists below could help you choose which companies to look at to insure your vehicles.
Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
When do I need an agent’s advice?
When choosing the best auto insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique and your auto insurance should be unique as well.
For instance, these questions could help you determine if you would benefit from professional advice.
- Which companies will insure high-risk drivers?
- Am I insured when driving a different vehicle?
- What should my uninsured motorist coverage limits be in Oklahoma?
- Is my babysitter covered when using my vehicle?
- Do I really need UM/UIM coverage?
- How much liability coverage do I need in Oklahoma?
- Can good grades get a discount?
- Do I need to call my car insurance company before buying a new car?
- Should I buy additional glass protection?
If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.
Specific coverage details
Understanding the coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.
Coverage for liability – Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for claims like funeral expenses, loss of income, medical services, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. Oklahoma requires drivers to carry at least 25/50/25 but it’s recommended drivers buy more coverage.
The illustration below shows why buying the state minimum limits may not be enough coverage.
Coverage for medical expenses – Med pay and PIP coverage pay for expenses for things like nursing services, X-ray expenses and surgery. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mazda 3.
Because many people carry very low liability coverage limits (25/50/25), their limits can quickly be used up. So UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.
Collision coverage – Collision coverage pays for damage to your 3 caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible on your 3 to bring the cost down.
Comprehensive auto insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like damage from getting keyed, falling objects, hail damage, a broken windshield and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Don’t give up on cheap rates
You just read some good ideas how you can reduce Mazda 3 insurance auto insurance rates online in Oklahoma City. The most important thing to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from a smaller regional carrier. They may only write in your state and offer lower premium rates compared to the large companies like Progressive and GEICO.
Cheaper Mazda 3 insurance in Oklahoma City can be purchased from both online companies in addition to many Oklahoma City insurance agents, so you should compare both to have the best selection. Some insurance providers may not offer rate quotes online and many times these small, regional companies provide coverage only through independent insurance agents.
Steps to buying cheaper Mazda 3 insurance in Oklahoma City
If saving money is your primary concern, then the best way to find more affordable car insurance rates in Oklahoma City is to compare quotes annually from different companies who sell insurance in Oklahoma. Price quotes can be compared by following these guidelines.
First, spend some time learning about auto insurance and the measures you can take to lower rates. Many factors that cause rate increases such as traffic violations, accidents, and a negative credit rating can be eliminated by making small lifestyle or driving habit changes.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO and State Farm, while independent agencies can give you price quotes for a wide range of companies.
Third, compare the quotes to your existing rates and see if you can save money. If you can save some money, ensure coverage does not lapse between policies.
Fourth, notify your current company of your intention to cancel your current policy and submit any necessary down payment along with the completed application for the new policy. As soon as you receive it, place the new certificate of insurance in an easily accessible location.
One thing to remember is to try to compare the same coverage limits and deductibles on every quote and and to get price estimates from as many different insurance providers as possible. Doing this helps ensure a level playing field and a complete rate analysis.
Helpful information
- Rental Reimbursement Coverage (Allstate)
- Who Has Affordable Car Insurance for a Nissan Altima in Oklahoma City? (FAQ)
- Who Has Cheap Oklahoma City Auto Insurance for High Risk Drivers? (FAQ)
- Who Has the Cheapest Oklahoma City Auto Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has Affordable Auto Insurance Rates for Business Use in Oklahoma City? (FAQ)
- Side Impact Crash Tests (iihs.org)
- State Car Insurance Guides (GEICO)
- Airbag FAQ (iihs.org)