Car Insurance Rate Quotes for a Mazda 3 in Jersey City

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Surprisingly, a recent survey revealed that the majority of drivers have been with the same company for four years or more, and approximately 38% of consumers have never even shopped around for cheap coverage. Jersey City insurance shoppers can cut their rates by about 40% a year, but most just don't grasp the big savings they would realize if they switched.

Insurance quote for Mazda 3 in Jersey CityIt takes a little time, but the best way to find discount Mazda 3 insurance in Jersey City is to regularly compare prices from insurers who provide car insurance in New Jersey.

  • Step 1: Read about the coverage provided by your policy and the modifications you can make to keep rates low. Many factors that are responsible for high rates such as inattentive driving and a low credit score can be remedied by making minor changes to your lifestyle.
  • Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from multiple companies.
  • Step 3: Compare the new quotes to your existing coverage to see if cheaper 3 coverage is available. If you can save some money, ensure there is no coverage lapse between policies.
  • Step 4: Notify your current company to cancel the current policy. Submit a down payment along with a completed application to your new company or agent. As soon as you have the new policy, safely store the proof of insurance certificate in your glove compartment.

The critical component of shopping around is that you'll want to compare the same level of coverage on each quote request and and to get rates from as many carriers as you can. Doing this enables a level playing field and a good representation of prices.

Car insurance providers offering affordable rate quotes in New Jersey

The providers in the list below are ready to provide price comparisons in New Jersey. If your goal is to find the best auto insurance in Jersey City, NJ, it's highly recommended you visit several of them to get the best price comparison.

Mazda 3 insurance statistics and information

The coverage table below outlines different policy rates for Mazda 3 models. Learning a little about how insurance quotes are determined can help guide drivers when making decisions on the best policy to buy.

Mazda 3 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $208 $362 $496 $30 $148 $1,244 $104
3 I SV 4-Dr Sedan $208 $362 $496 $30 $148 $1,244 $104
3 I Touring 4-Dr Sedan $208 $426 $496 $30 $148 $1,308 $109
3 S Sport 4-Dr Hatchback $236 $426 $496 $30 $148 $1,336 $111
3 S Sport 4-Dr Sedan $236 $426 $496 $30 $148 $1,336 $111
3 S Grand Touring 4-Dr Hatchback $236 $426 $496 $30 $148 $1,336 $111
3 S Grand Touring 4-Dr Sedan $236 $426 $496 $30 $148 $1,336 $111
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific zip code location which can lower or raise price quotes greatly.

Policy deductibles

A question often asked by Jersey City drivers is which deductible level should you buy. The tables below may aid in understanding how much more you'll pay between low and high comp and collision deductibles. The first data set uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Mazda 3 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $414 $746 $480 $28 $144 $1,837 $153
3 I SV 4-Dr Sedan $414 $746 $480 $28 $144 $1,837 $153
3 I Touring 4-Dr Sedan $414 $880 $480 $28 $144 $1,971 $164
3 S Sport 4-Dr Hatchback $466 $880 $480 $28 $144 $2,023 $169
3 S Sport 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
3 S Grand Touring 4-Dr Hatchback $466 $880 $480 $28 $144 $2,023 $169
3 S Grand Touring 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
Get Your Own Custom Quote Go
Mazda 3 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $302 $504 $480 $28 $144 $1,458 $122
3 I SV 4-Dr Sedan $302 $504 $480 $28 $144 $1,458 $122
3 I Touring 4-Dr Sedan $302 $594 $480 $28 $144 $1,548 $129
3 S Sport 4-Dr Hatchback $340 $594 $480 $28 $144 $1,586 $132
3 S Sport 4-Dr Sedan $340 $594 $480 $28 $144 $1,586 $132
3 S Grand Touring 4-Dr Hatchback $340 $594 $480 $28 $144 $1,586 $132
3 S Grand Touring 4-Dr Sedan $340 $594 $480 $28 $144 $1,586 $132
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in zip code location which can raise or lower prices significantly.

Based on this data, using a $100 deductible will cost you approximately $35 more each month or $420 a year than selecting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 11 months between claims, you would save more money going with the higher deductible.

Rate comparison of males versus females in Jersey City

The diagram below visualizes the comparison of Mazda 3 car insurance rates for male and female drivers. The premiums are based on no claims, a clean driving record, full coverage, $100 deductibles, single status, and no discounts are taken into consideration.

Mazda 3 liability-only versus full coverage

The chart below shows the difference between Mazda 3 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. The premiums assume no accidents or driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no set rule to drop physical damage insurance, but there is a general school of thought. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let's say your Mazda 3 settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying your policy deductible. If premiums are more than $500 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Informed Decisions Result in Lower Insurance Prices

Multiple criteria are considered when premium rates are determined. A few of the factors are predictable such as your driving history, although some other factors are less apparent like your continuous coverage or your vehicle rating.

Car plus home equals more savings - Some insurers provide lower prices to customers that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even with this discount, it's always a smart idea to get quotes from other companies to help ensure you have the lowest rates.

Traffic violations are costly - Having a single driving citation could increase your next policy renewal by as much as twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers who have flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.

The illustration below illustrates how speeding tickets and at-fault claims can raise Mazda 3 car insurance rates for each age group. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Liability is cheap - A critical coverage on your policy, liability insurance will protect you if ever a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Safer cars means cheaper car insurance rates - Safer cars get lower rates. Safe vehicles result in less severe injuries and fewer injuries means less claims paid and thus lower rates.

Location can impact price - Choosing to live in less populated areas of the country can save you money when talking about car insurance. People who live in big cities regularly have much more traffic and much longer commute distances. Less people means fewer accidents as well as less vandalism and auto theft.

Drive less and pay lower prices - The more miles you rack up on your Mazda every year the more you will pay for car insurance. Many insurance companies calculate prices based upon how the vehicle is primarily used. Autos left parked in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. It's always a good idea to double check that your policy shows annual mileage. Having an incorrect usage rating on your 3 is just wasting money.

Claims statistics for a Mazda 3 - Insurance companies use data from past claims when they calculate premium rates for each model. Models that historically have higher frequency or amount of claims will have higher rates.

The table below shows the historical loss data for Mazda 3 vehicles. For each type of coverage, the loss probability for all vehicles, as a total average, is a value of 100. Values that are 100 or less mean the vehicle has better than average losses, while percentages above 100 indicate higher probability of having a loss or an increased chance of a larger loss.

Mazda 3 Insurance Loss Statistics
Specific Mazda 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

These discounts can slash Mazda 3 insurance rates

Buying insurance is not cheap, but companies offer discounts that you may not even be aware of. Most are applied when you quote, but a few must be specially asked for in order for you to get them.Cheaper insurance with discounts

  • Auto/Life Discount - Some companies give a lower premium rate if you buy a life insurance policy as well.
  • Pay Early and Save - If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
  • Bundled Policy Discount - If you can bundle your home and auto insurance with one company you could save as much as 10 to 15 percent.
  • Accident Free - Claim-free drivers get the best insurance rates in comparison with accident-prone drivers.
  • Low Miles Discount - Keeping the miles down on your Mazda could be rewarded with discounted rates on garaged vehicles.
  • Senior Citizen Rates - Drivers over the age of 55 may receive a small discount on rates.
  • Membership in Organizations - Belonging to qualifying clubs or civic groups could qualify you for a break on your policy.

Don't be surprised that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, you aren't that lucky.

The chart below shows the comparison of Mazda 3 car insurance rates with and without discounts applied to the policy premium. The data is based on a female driver, no accidents, no driving violations, New Jersey state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, safe-driver, multi-policy, and multi-car discounts applied.

Some of the insurance companies that may offer policyholders most of these discounts include:

It's a good idea to ask each insurance company which discounts they offer. Depending on the company, some discounts may not apply in Jersey City. If you would like to choose from a list of providers that offer some of these discounts in New Jersey, follow this link.

Comparing prices from local Jersey City insurance agents

Some people just want to have an agent's advice and that is a smart decision One of the great benefits of comparing rates online is you can get cheaper premium rates but also keep your business local.

Insurance agency in Jersey CityBy using this quick form, your information is sent to agents in your area that give free quotes for your insurance coverage. You never need to contact an agency because prices are sent directly to you. You can find lower rates without a big time investment. If you want to quote rates from a particular provider, you just need to find their quoting web page and give them your coverage information.

Finding the right provider needs to be determined by more than just a cheap price quote. You should also get answers to these questions.

  • Does the agent help file claims?
  • How will an accident affect your rates?
  • Can you get a list of referrals?
  • Are they full-time agents?
  • Will the company cover a rental car if your car is getting fixed?

Choose an insurance agent wisely

If you would like to find a reputable agency, it's helpful to know the types of insurance agents and how they are slightly different. Insurance agencies in Jersey City can either be exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

These agents normally can only provide a single company's rates and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agencies are well trained on their products and sales techniques which can be an advantage. Many people use the same agent partially due to the prominent brand name instead of buying on price only.

Below are Jersey City exclusive agencies who can help you get rate quotes.

More Jersey City agents

Independent Agencies or Brokers

Agents in the independent channel are normally appointed by many insurers and that enables them to quote your coverage through many companies and find the cheapest rate. If they find a lower price, your policy is moved internally and the insured can keep the same agent.

If you are comparing rate quotes, you need to compare quotes from at a minimum one independent agency to get the most accurate price comparison. Most independent agents also contract with less well-known companies which may have better rates.

The following is a short list of independent agents in Jersey City that can give you rate quotes.

  • Preferred Choice Insurance Agency
    225 Newark Ave - Jersey City, NJ 07302 - (201) 616-7644 - View Map
  • All Insurance Services Inc
    574 Newark Ave - Jersey City, NJ 07306 - (201) 963-8888 - View Map
  • GIM Agency Services Inc
    263 Central Ave - Jersey City, NJ 07307 - (201) 792-4188 - View Map

More Jersey City agents

After getting satisfactory answers to any questions you may have as well as offering an affordable quote, it's possible that you found an auto insurance agent that will service your policy. But keep in mind you have the power to terminate your policy for any reason so never feel that you're stuck with any specific company with no way out.

It's not one size fits all

When quoting and choosing the best auto insurance coverage, there really isn't a one size fits all plan. Your financial needs are unique.Drive safe and save

These are some specific questions may help you determine if you could use an agent's help.

  • Do I need to call my car insurance company before buying a new car?
  • How high should my medical payments coverage be?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my nanny covered when transporting my kids?
  • Do all my vehicles need collision coverage?
  • Which companies are cheaper for teen drivers?
  • Can I insure my car for more than it's worth?
  • Does coverage extend to my business vehicle?
  • Am I covered while delivering pizza?
  • Am I covered when using my vehicle for business?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

The best insurance company isn't always the cheapest

Insureds change insurance companies for any number of reasons including being labeled a high risk driver, denial of a claim, questionable increases in premium and even high prices. Whatever your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

Some companies may not provide rate quotes online and these small insurance companies prefer to sell through local independent agents. Lower-priced car insurance in Jersey City is available both online and also from your neighborhood Jersey City agents, so you should compare both to have the best chance of lowering rates.

We covered a lot of ways to shop for Mazda 3 insurance online. It's most important to understand that the more rate quotes you have, the higher your chance of finding inexpensive Jersey City car insurance quotes. You may even find the most savings is with some of the smallest insurance companies.

Additional information can be read at these links: