Want to know how to find lower-priced Mazda 3 insurance in Los Angeles? Scraping up a payment for pricey Mazda 3 insurance in Los Angeles can dry up your monthly budget and require stricter spending habits. Performing a price comparison can help to cut your insurance bill.
Sad but true, 70% of consumers have bought auto insurance from the same company for at least the last four years, and almost 40% of drivers have never compared rate quotes at all. With the average premium in California being $1,387, drivers could pocket 35% a year by just comparing rate quotes, but they underestimate the big savings they would realize if they moved their coverage to a different company.
Since vehicle owners have many options when it comes to auto insurance, it can be hard to choose a lower cost auto insurance company.
Consumers need to price shop coverage as often as possible because auto insurance prices are constantly changing. If you had the lowest rates on Mazda 3 insurance in Los Angeles two years ago other companies may now be cheaper. There are a lot of ways to save on 3 insurance on the internet, but you can learn some great ways to find cheap auto insurance in Los Angeles.
Shopping for the lowest-priced policy in Los Angeles is easy to do. Essentially everyone who has to purchase car insurance will more than likely be able to save money. But California drivers should learn the methods companies use to determine how much to charge and take advantage of how the system works.
The fastest way that we advise to compare rate quotes for Mazda 3 insurance in Los Angeles is to realize all the major auto insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is give them rating details such as level of coverage desired, if you are currently licensed, what you do for a living, and if it has an anti-theft system. The rating information is sent automatically to multiple companies and you receive quotes within a short period of time.
To check Mazda 3 insurance prices now, click here and find out if lower rates are available in Los Angeles.
The providers in the list below are ready to provide price quotes in Los Angeles, CA. If the list has multiple companies, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Rates and other information
The rate information shown next showcases detailed analysis of policy rates for Mazda 3 models. Knowing how car insurance prices are figured is important for you to make informed coverage decisions.
| 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 |
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices significantly.
Where to set your deductibles
When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The following tables can help show the difference in cost when you choose different insurance deductibles. The first pricing table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 3 I SV 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 3 I Touring 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| 3 S Sport 4-Dr Hatchback | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 3 S Sport 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 3 S Grand Touring 4-Dr Hatchback | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 3 S Grand Touring 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 3 I SV 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 3 I Touring 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| 3 S Sport 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Sport 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Grand Touring 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 3 S Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Customized Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in Los Angeles location which can lower or raise auto insurance rates considerably.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $47 more each month or $564 every year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 19 months between claim filings, you would probably be better off if you decide on a higher deductible. The numbers below show the way this determination is made.
| Average monthly premium for $100 deductibles: | $150 |
| Average monthly premium for $1,000 deductibles (subtract): | – $103 |
| Monthly savings from raising deductible: | $47 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $47 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important note is that a higher deductible means you will have to cover more of the damage yourself at claim time. You need some savings in the bank in order to pay the higher deductible in order to repair your vehicle.
Comparison of full coverage and liability-only policies
The chart below visualizes the comparison of Mazda 3 car insurance rates with and without physical damage coverage. The premium estimates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
When to stop buying physical damage coverage
There isn’t a steadfast formula of when to exclude physical damage coverage, but there is a general convention. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s pretend your Mazda 3 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after you pay the deductible. If you are currently paying more than $500 annually for your policy with full coverage, then it might be time to buy liability only.
There are some scenarios where buying only liability insurance is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
It’s not one size fits all
Always keep in mind that when comparing adequate coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
These are some specific questions can help discover whether your personal situation might need an agent’s assistance.
- Do I need replacement cost coverage on my Mazda 3?
- Do I need roadside assistance coverage?
- How do I insure my teen driver?
- Can I get by with minimal medical coverage if I have good health insurance?
- At what point should I drop full coverage?
- Are my company tools covered if they get stolen?
- What companies insure drivers after a DUI or DWI?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.
Getting quotes from local Los Angeles auto insurance agents
A small number of people would rather have an agent’s advice and that is just fine! A good thing about comparing rates online is that drivers can save money and get the lowest rates and still choose a local agent. Putting coverage with local insurance agents is important particularly in Los Angeles.
For easy comparison, once you complete this short form, the coverage information is submitted to local insurance agents in Los Angeles who will return price quotes for your insurance coverage. There is no reason to leave your house since rate quotes are delivered immediately to you. You can find better rates without having to waste a lot of time. If you need to compare rates from a particular provider, feel free to search and find their rate quote page and fill out the quote form the provide.
When narrowing the list to find a local agent, it helps to know the two different agency structures and how they function. Insurance agencies in Los Angeles are either exclusive agents or independent agents.
Independent Agents
Agents that choose to be independent are not employed by one company so they can insure your vehicles through lots of different companies depending on which coverage is best. To transfer your coverage to a different company, your policy is moved internally and the insured can keep the same agent.
If you are trying to find cheaper rates, you should always include several independent insurance agents so that you can do a thorough price comparison.
Featured below are Los Angeles independent insurance agencies who may be able to give you price quote information.
Public Insurance Agency
10941 W Pico Blvd – Los Angeles, CA 90064 – (310) 234-8600 – View Map
Choice Insurance Agency
1601 S La Brea Ave – Los Angeles, CA 90019 – (323) 933-9888 – View Map
Crown Reinas Insurance Agency
5331 N Figueroa St – Los Angeles, CA 90042 – (323) 550-1444 – View Map
Exclusive Insurance Agencies
These type of agents write business for a single company such as American Family, State Farm, and Allstate. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents receive extensive training on their company’s products and that can be a competitive advantage.
Below is a list of exclusive insurance agencies in Los Angeles willing to provide price quotes.
Glenda Greene – State Farm Insurance Agent
3824 Crenshaw Blvd – Los Angeles, CA 90008 – (323) 293-9990 – View Map
Hillary Heyl – State Farm Insurance Agent
1990 Westwood Blvd #100 – Los Angeles, CA 90025 – (310) 234-9600 – View Map
Ted Hope – State Farm Insurance Agent
2049 W Manchester Ave – Los Angeles, CA 90047 – (323) 752-4885 – View Map
Choosing a insurance agent is decision based upon more than just a cheap price. A good agent in Los Angeles will have answers to these questions.
- Is there a Errors and Omissions policy in force?
- Do they feel the quoted coverages are adequate?
- Are claims handled at the agent’s location?
- Can glass repairs be made at your home?
- Will they give you a referral list?
- How many years have they been established?
- What insurance companies do they work with in Los Angeles?
- Do they specialize in personal lines coverage in Los Angeles?