Searching for lower-priced Mazda 3 insurance in Columbia? Did budget coverage turn out to be an underperforming, overpriced insurance policy? Believe me, there are lots of Columbia residents who feel the same.

Insurance rates Mazda 3 in ColumbiaAmazingly, the majority of drivers kept buying from the same company for four years or more, and practically 40% of insurance customers have never even shopped around for cheaper coverage. South Carolina drivers could save approximately $749 each year by just shopping around, but they don't want to spend time to compare other rate quotes.

Numerous insurers battle for your business, so it can be very hard to choose a company to find the cheapest price on Mazda 3 insurance in Columbia.

Best companies for low-cost Mazda 3 insurance in South Carolina

The companies shown below provide free quotes in Columbia, SC. If multiple companies are listed, it's a good idea that you compare several of them in order to find the most affordable rates.

Mazda 3 Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $230 $450 $328 $20 $98 $1,126 $94
3 I SV 4-Dr Sedan $294 $530 $342 $20 $102 $1,288 $107
3 I Touring 4-Dr Sedan $268 $574 $352 $20 $106 $1,320 $110
3 S Sport 4-Dr Hatchback $144 $280 $328 $20 $98 $870 $73
3 S Sport 4-Dr Sedan $242 $422 $342 $20 $102 $1,128 $94
3 S Grand Touring 4-Dr Hatchback $230 $434 $320 $18 $96 $1,098 $92
3 S Grand Touring 4-Dr Sedan $340 $524 $448 $26 $134 $1,472 $123
Get Your Own Custom Quote Go

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in garaging location in Columbia which can decrease or increase price quotes noticeably.

Physical damage deductibles: Should you raise them?

When shopping for auto insurance, a common question is which deductibles should you choose. The rates shown below may help you to understand the differences in price when you select higher and lower deductibles. The first rate table uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Mazda 3 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $264 $444 $342 $20 $102 $1,197 $100
3 I SV 4-Dr Sedan $264 $444 $342 $20 $102 $1,197 $100
3 I Touring 4-Dr Sedan $264 $524 $342 $20 $102 $1,277 $106
3 S Sport 4-Dr Hatchback $298 $524 $342 $20 $102 $1,311 $109
3 S Sport 4-Dr Sedan $298 $524 $342 $20 $102 $1,311 $109
3 S Grand Touring 4-Dr Hatchback $298 $524 $342 $20 $102 $1,311 $109
3 S Grand Touring 4-Dr Sedan $298 $524 $342 $20 $102 $1,311 $109
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Mazda 3 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $214 $358 $342 $20 $102 $1,036 $86
3 I SV 4-Dr Sedan $214 $358 $342 $20 $102 $1,036 $86
3 I Touring 4-Dr Sedan $214 $422 $342 $20 $102 $1,100 $92
3 S Sport 4-Dr Hatchback $242 $422 $342 $20 $102 $1,128 $94
3 S Sport 4-Dr Sedan $242 $422 $342 $20 $102 $1,128 $94
3 S Grand Touring 4-Dr Hatchback $242 $422 $342 $20 $102 $1,128 $94
3 S Grand Touring 4-Dr Sedan $242 $422 $342 $20 $102 $1,128 $94
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle location which can revise premiums substantially.

Based on the above data, using a $250 deductible costs about $15 more each month or $180 each year than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 17 months between claims, you would probably be better off by selecting a higher deductible.

Safe drivers Columbia pay cheaper rates

The chart below shows how speeding tickets and fender-benders impact Mazda 3 car insurance costs for different insured age categories. The prices are based on a married female driver, full coverage, $250 deductibles, and no discounts are factored in.

Rate comparison of male drivers versus female drivers

The diagram below compares Mazda 3 yearly insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

Save money with discounts

Not many people think insurance is cheap, but you may find discounts that may help make it more affordable. Certain reductions will be credited at the time you complete a quote, but some must be specifically requested prior to receiving the credit.Auto insurance discounts

A quick disclaimer, most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like it's possible to get free car insurance, that's just not realistic. But any discount will reduce your overall bill.

Companies that may offer policyholders these benefits may include but are not limited to:

Before purchasing a policy, check with every company to give you their best rates. Some of the earlier mentioned discounts might not be offered in every state. For a list of companies who offer online Mazda 3 insurance quotes in South Carolina, click here.

Mazda 3 Insurance Costs Can Be More Affordable

Multiple criteria are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving history, but other criteria are not quite as obvious such as whether you are married or your financial responsibility. One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that are used to determine your policy premiums. When you understand what impacts premium levels, this enables informed choices that could help you find lower insurance prices.

With age comes responsibility - Teen drivers in South Carolina tend to be inattentive when driving with friends so they pay higher insurance rates. Adding a youthful driver to your insurance policy can increase premiums substantially. Older people are more responsible, are lower risk to insure, and tend to be get fewer driving tickets.

Premiums go up with performance - The performance level of the car or truck you are buying insurance for makes a big difference in your auto insurance rates. The lowest base rates are for smaller low performance passenger vehicles, but that's not the only thing that factors into the final price. Since the Mazda 3 is classified as a compact sedan, insuring your vehicle will cost the same to a little lower than the average rate where you live in Columbia.

Being married is a bonus - Having a spouse may save some money on insurance. Having a spouse translates into being more stable financially and insurance companies like that drivers who are married are more cautious.

Annual mileage impacts rates - The more miles you rack up on your Mazda annually the higher your rate. The majority of insurers charge to insure your cars partially by how you use the vehicle. Autos that sit idle most of the time receive better premium rates than cars that get driven a lot. Improper usage on your 3 may be wasting your money. It's always a good idea to double check that your insurance coverage is showing the correct usage, because it can save money.

Tickets can be expensive - Getting just one citation can boost insurance rates by as much as thirty percent. Drivers with clean records receive lower rates as compared to careless drivers. Drivers who have gotten severe citations like reckless driving or DUI may find that they have to to file a SR-22 with their state in order to continue driving.

Loss probability for a Mazda 3 - Companies use claims history as a way to help calculate a profitable premium price. Models that statistically have higher frequency or amount of claims will have higher rates for specific coverages. The table below shows the insurance loss data used by companies for Mazda 3 vehicles.

For each type of coverage, the claim probability for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers that are below 100 mean the vehicle has better than average losses, while values that are above 100 indicate higher probability of having a loss or tendency to have larger claims.

Mazda 3 Insurance Loss 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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

You may need help from an insurance agent

Certain consumers still prefer to talk to an insurance agent. The best thing about getting free rate quotes online is you can get lower rates and still have an agent to talk to. Supporting local agencies is definitely important in Columbia.

Insurance agents in ColumbiaTo make it easy to find an agent, after completing this quick form, the coverage information is sent to agents in your area who will give competitive quotes to get your business. You won't even need to even leave your home because quoted prices will be sent to your email. You can find the lowest rates without having to waste a lot of time. If you have a need to get a comparison quote from a specific company, you can always find their quoting web page and give them your coverage information.

The following are Columbia auto insurance companies willing to provide rate quotes for Mazda 3 insurance in Columbia.


2640 Gervais St d - Columbia, SC 29204 - (803) 779-3501 - View Map


791 Greenlawn Dr Ste 1 - Columbia, SC 29209 - (803) 776-8668 - View Map


6168 St Andrews Rd - Columbia, SC 29212 - (803) 798-4499 - View Map

Bill Weathersbee - State Farm Insurance Agent
9440 Two Notch Rd - Columbia, SC 29223 - (803) 788-7981 - View Map

More insurance agents

Picking the best provider is decision based upon more than just the bottom line cost. Agents should be asked these questions:

After receiving good answers to any questions you may have as well as offering an affordable quote, you may have found an insurance company that will adequately provide insurance. Just keep in mind once you purchase a policy you can terminate your policy whenever you wish so don't think that you're stuck with the insurance policy for any length of time.

Cheap coverage is out there

More affordable car insurance in Columbia is available from both online companies and with local Columbia insurance agents, and you should be comparing both to have the best rate selection. Some car insurance companies do not offer price quotes online and most of the time these small insurance companies only sell through independent insurance agencies.

As you quote Columbia auto insurance, it's a bad idea to buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

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