No one looks forward to buying car insurance, especially when they know they are paying too much.

Insurance for Mazda 3A recent study revealed that nearly 70% of customers kept their coverage with the same car insurance company for well over three years, and 38% of customers have never taken the time to shop around. Most drivers in Raleigh can cut their rates by almost $94 a year, but most undervalue the amount of savings they would get if they moved their coverage to a different company.

Consumers have so many insurance companies to buy insurance from, and although it's nice to have a choice, more choices can make it harder to find the lowest cost provider for Mazda 3 insurance in Raleigh.

Locating the best rates in Raleigh is not that difficult as long as you know where to start. If you are insured now, you stand a good chance to be able to cut your premiums using these methods. Nevertheless, North Carolina drivers do need to know how insurance companies calculate your car insurance rates.

Cheaper rates by getting these nine discounts

Companies offering auto insurance don't always publicize every discount they offer very well, so the below list has both the well known as well as the least known credits available to bring down your rates.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you're out of luck.

A partial list of companies that have most of the discounts above are:

When comparing rates, check with every company to apply every possible discount. Some credits may not be available in every state. If you would like to view providers that offer the discounts shown above in Raleigh, click here to view.

Most of the larger companies such as State Farm, GEICO and Progressive allow consumers to get coverage price quotes on their websites. Getting Mazda 3 insurance prices online can be done by anyone as all you need to do is type in the amount of coverage you want as detailed in the form. After the form is submitted, the quote system collects credit information and your driving record and provides a quote. Using the web to get quotes for Mazda 3 insurance in Raleigh streamlines rate comparisons, and it is imperative to do this if you want to get a better rate.

To compare pricing, compare rates from the companies below. If you have coverage now, it's recommended you input the coverage information identical to your current policy. This helps ensure you will get rate comparison quotes for the exact same coverage.

The auto insurance companies shown below are our best choices to provide free rate quotes in North Carolina. If more than one company is shown, we recommend you get prices from several of them to find the lowest auto insurance rates.

Mazda 3 Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $150 $296 $324 $20 $96 $886 $74
3 I SV 4-Dr Sedan $134 $270 $282 $16 $84 $786 $66
3 I Touring 4-Dr Sedan $114 $272 $324 $20 $96 $826 $69
3 S Sport 4-Dr Hatchback $208 $470 $282 $16 $84 $1,060 $88
3 S Sport 4-Dr Sedan $130 $236 $254 $16 $76 $712 $59
3 S Grand Touring 4-Dr Hatchback $242 $456 $250 $14 $74 $1,036 $86
3 S Grand Touring 4-Dr Sedan $220 $420 $256 $16 $76 $988 $82
Get Your Own Custom Quote Go

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in specific zip code location which can modify prices greatly.

Car insurance deductibles

When shopping for car insurance, a common question is how high should your deductibles be. The following tables illustrate the costs and benefits when you choose different comp and collision deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Mazda 3 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $214 $386 $250 $14 $74 $963 $80
3 I SV 4-Dr Sedan $214 $386 $250 $14 $74 $963 $80
3 I Touring 4-Dr Sedan $214 $456 $250 $14 $74 $1,033 $86
3 S Sport 4-Dr Hatchback $242 $456 $250 $14 $74 $1,061 $88
3 S Sport 4-Dr Sedan $242 $456 $250 $14 $74 $1,061 $88
3 S Grand Touring 4-Dr Hatchback $242 $456 $250 $14 $74 $1,061 $88
3 S Grand Touring 4-Dr Sedan $242 $456 $250 $14 $74 $1,061 $88
Get Your Own Custom Quote Go
Mazda 3 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $156 $262 $250 $14 $74 $756 $63
3 I SV 4-Dr Sedan $156 $262 $250 $14 $74 $756 $63
3 I Touring 4-Dr Sedan $156 $308 $250 $14 $74 $802 $67
3 S Sport 4-Dr Hatchback $176 $308 $250 $14 $74 $822 $69
3 S Sport 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
3 S Grand Touring 4-Dr Hatchback $176 $308 $250 $14 $74 $822 $69
3 S Grand Touring 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in Raleigh location which can change insurance rates greatly.

Based on the figures above, using a $100 deductible costs approximately $18 more each month or $216 for a full year than requesting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 22 months between claims, you would probably be better off if you opt for a higher deductible. The numbers below show a better example of how this decision is made.

Average monthly premium for $100 deductibles: $85
Average monthly premium for $500 deductibles (subtract): - $67
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

Local Raleigh insurance agencies and auto insurance

Many people still like to sit down with an agent and there is nothing wrong with that. An additional benefit of comparing auto insurance online is that drivers can save money and get the best rates but still work with a licensed agent.

To find an agent, once you fill out this quick form, your information gets sent to participating agents in Raleigh who will give competitive quotes for your auto insurance coverage. You won't even need to drive around because prices are sent directly to your email. You can most likely find cheaper rates without the usual hassles of price shopping. If you wish to get a rate quote from a specific insurance company, just navigate to their website and fill out their quote form.

Picking the best provider is decision based upon more than just the quoted price. Some important questions to ask are:

Raleigh car insurance agents come in two flavors

If you would like to find a reliable insurance agency, it's important to understand the different types of agents and how they can write your policy. Insurance agencies in Raleigh may be either independent agents or exclusive agents.

Exclusive Auto Insurance Agencies

Exclusive insurance agents can only provide pricing for a single company and some examples include State Farm, AAA, and Liberty Mutual. They generally cannot compare other company's rates so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on the products they sell which aids in selling service over price.

Listed below are Raleigh exclusive agents that can give you price quotes.

7501 Creedmoor Rd #114 - Raleigh, NC 27613 - (919) 676-2502 - View Map

8212 Creedmoor Rd #101 - Raleigh, NC 27613 - (919) 847-9774 - View Map

9204 Falls of Neuse Rd Ste 100 - Raleigh, NC 27615 - (919) 329-2580 - View Map

View more agents

Independent Agents (or Brokers)

These agents often have affiliation with several companies so as a result can place your coverage through many companies and find the cheapest rate. To move your coverage to a new company, the agent simply finds a different carrier and you can keep the same agent.

If you need lower rates, you need to get quotes from a few independent agents so that you can do a thorough price comparison.

Below is a short list of independent agencies in Raleigh willing to provide comparison quotes.

3741 Benson Dr - Raleigh, NC 27609 - (919) 790-6415 - View Map

2609 Atlantic Ave #107 - Raleigh, NC 27604 - (919) 322-4186 - View Map

1025 Bullard Ct - Raleigh, NC 27615 - (919) 875-8889 - View Map

View more agents

Three reasons car insurance is important

Despite the high cost, maintaining insurance may be required and benefits you in several ways.

The benefits of having insurance are definitely more than the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $810 a year so you should quote your policy with other companies every year to ensure rates are competitive.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

Coverage for medical payments - Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, rehabilitation expenses, EMT expenses, nursing services and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage - Collision insurance pays for damage to your 3 from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, hitting a parking meter, crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible on your 3 in order to get cheaper collision rates.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection when other motorists are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mazda 3.

Due to the fact that many North Carolina drivers only purchase the least amount of liability that is required (30/60/25 in North Carolina), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability - Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 30/60/25 which means $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things like court costs, funeral expenses, repair bills for other people's vehicles, bail bonds and medical services. How much coverage you buy is your choice, but it's cheap coverage so purchase as large an amount as possible. North Carolina state law requires minimum liability limits of 30/60/25 but you should consider buying higher limits.

Comprehensive coverages - This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, rock chips in glass and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Quote more and you will save more

Some companies may not have rates over the internet and many times these regional insurance providers work with independent agents. Affordable Mazda 3 insurance in Raleigh can be bought from both online companies in addition to many Raleigh insurance agents, so compare prices from both to have the best selection.

As you shop your coverage around, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed full coverage only to discover later they didn't have enough coverage. Your strategy should be to find the BEST coverage at a price you can afford, but don't skip important coverages to save money.

We've covered a lot of ways to reduce Mazda 3 insurance rates online in Raleigh. It's most important to understand that the more providers you compare, the better your chances of lowering your auto insurance rates. Consumers may even find the best price on car insurance is with a company that doesn't do a lot of advertising. They often have lower auto insurance rates on specific markets than their larger competitors like Allstate and Progressive.

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