Affordable Insurance for a Mazda 3 in Kansas City

Insurance for Mazda 3If you want to save the most money, the best way to get affordable car insurance rates in Kansas City is to start comparing prices regularly from insurers in Missouri. Drivers can shop around by following these guidelines.

  1. Take a little time to learn about the coverage provided by your policy and the measures you can control to keep rates low. Many things that drive up the price like multiple speeding tickets and bad credit can be rectified by paying attention to minor details. Later in this article we will cover instructions to help keep rates affordable and find more discounts that you may not know about.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while independent agents can quote rates from multiple sources.
  3. Compare the new rates to your existing rates to determine if you can save on 3 insurance in Kansas City. If you find better rates and make a switch, ensure there is no coverage lapse between policies.
  4. Tell your current agent or company of your intention to cancel your current policy and submit a down payment along with a completed application to the new company. As soon as you can, put the proof of insurance paperwork in your vehicle’s glove compartment or console.

An essential thing to point out is to compare identical limits and deductibles on every quote request and and to compare as many car insurance companies as possible. This enables the most accurate price comparison and a complete price analysis.

A recent study showed that the vast majority of auto insurance customers kept their policy with the same company for more than four years, and virtually 40% of consumers have never compared quotes from other companies. Most drivers in Missouri could save about 25% every year just by shopping around, but they just assume it takes a lot of time to compare rates.

Insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but you may be missing some discounts that you may not even be aware of. Many discounts should be triggered when you get a quote, but some must be requested specifically prior to getting the savings.

As a sidenote, many deductions do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount should help lower your policy premium.

The diagram below shows the comparison of Mazda 3 insurance premiums with and without discounts being applied to the rates. The premium estimates are based on a male driver, a clean driving record, no claims, Missouri state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, safe-driver, multi-policy, and marriage discounts applied.

A list of insurance companies and a summarized list of policyholder discounts can be read below.

If you want inexpensive Kansas City auto insurance quotes, ask each company to apply every possible discount. Some credits may not be offered in your area. If you would like to choose from a list of insurance companies who offer online Mazda 3 insurance quotes in Kansas City, click here to view.

The most recommended method to compare rate quotes for Mazda 3 insurance in Kansas City is to understand all the major auto insurance companies actually pay money for the chance to quote your coverage. To start a quote, the only thing you need to do is provide a small amount of information like your job, which vehicles you own, driver ages, and how you use your vehicles. Those rating factors is then sent to insurance carriers in your area and they return cost estimate with very little delay.

To get price quotes for your Mazda 3 now, click here and enter the information requested.

The providers in the list below are ready to provide free quotes in Missouri. If multiple companies are listed, it’s a good idea that you get rate quotes from several of them to get the most affordable price.

Data for Mazda 3 insurance

The premium information shown below showcases detailed analysis of rate quotes for Mazda 3 models. Learning a little about how insurance prices are determined can be of help when making smart choices when selecting a policy.

Mazda 3 Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $220 $468 $346 $20 $104 $1,158 $97
3 I SV 4-Dr Sedan $220 $468 $346 $20 $104 $1,158 $97
3 I Touring 4-Dr Sedan $220 $552 $346 $20 $104 $1,242 $104
3 S Sport 4-Dr Hatchback $248 $552 $346 $20 $104 $1,270 $106
3 S Sport 4-Dr Sedan $248 $552 $346 $20 $104 $1,270 $106
3 S Grand Touring 4-Dr Hatchback $248 $552 $346 $20 $104 $1,270 $106
3 S Grand Touring 4-Dr Sedan $248 $552 $346 $20 $104 $1,270 $106
Get Your Own Custom Quote Go

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in zip code location which can decrease or increase premiums greatly.

Physical damage deductible comparison

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The rates shown below may aid in understanding the differences in premium rates when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price 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 $206 $346 $266 $16 $80 $939 $78
3 I SV 4-Dr Sedan $206 $346 $266 $16 $80 $939 $78
3 I Touring 4-Dr Sedan $206 $408 $266 $16 $80 $1,001 $83
3 S Sport 4-Dr Hatchback $232 $408 $266 $16 $80 $1,027 $86
3 S Sport 4-Dr Sedan $232 $408 $266 $16 $80 $1,027 $86
3 S Grand Touring 4-Dr Hatchback $232 $408 $266 $16 $80 $1,027 $86
3 S Grand Touring 4-Dr Sedan $232 $408 $266 $16 $80 $1,027 $86
Get Your Own Custom Quote Go

Mazda 3 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $168 $280 $266 $16 $80 $810 $68
3 I SV 4-Dr Sedan $168 $280 $266 $16 $80 $810 $68
3 I Touring 4-Dr Sedan $168 $330 $266 $16 $80 $860 $72
3 S Sport 4-Dr Hatchback $188 $330 $266 $16 $80 $880 $73
3 S Sport 4-Dr Sedan $188 $330 $266 $16 $80 $880 $73
3 S Grand Touring 4-Dr Hatchback $188 $330 $266 $16 $80 $880 $73
3 S Grand Touring 4-Dr Sedan $188 $330 $266 $16 $80 $880 $73
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific zip code location which can revise insurance rates greatly.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $12 more each month or $144 annually than buying the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 21 months between claims, you would most likely save money if you elect the higher deductible. Here’s an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $83
Average monthly premium for $500 deductibles (subtract): – $71
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

An important sidenote is that increasing deductibles to save money means you will have to pay more of your own money when you have a comprehensive or collision claim. That will necessitate some savings in the bank in the event you have to pay more to get your vehicle repaired.

The chart below demonstrates how deductibles and can influence Mazda 3 insurance rates for each age group. The price estimates are based on a single female driver, full coverage, and no additional discounts are factored in.

Auto insurance rates are higher with tickets and accidents

The information below demonstrates how traffic citations and at-fault accidents can raise Mazda 3 annual premium costs for different age categories. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Informed Consumers Save Every Year

An important part of buying insurance is that you know a few of the rating criteria that help determine auto insurance rates. If you have some idea of what determines premiums, this enables informed choices that may reward you with lower auto insurance prices.

Auto insurance agents are professional risk managers

A small number of people still prefer to buy from a licensed agent and we recommend doing that Professional agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing insurance online is the fact that you can find the best rates and still have a local agent.

Insurance agents in Kansas CityAfter filling out this form (opens in new window), the quote information is immediately sent to companies in Kansas City who will gladly provide quotes for your coverage. It makes it easy because there is no need to even leave your home due to the fact that quote results will go immediately to your email address. If you want to get a comparison quote from a particular provider, just go to their quote page and complete a quote there.

Picking the best insurer requires you to look at more than just a cheap price. These are some questions you should get answers to.

Listed below is a short list of insurers in Kansas City who can help you get price quote information for Mazda 3 insurance in Kansas City.

7501 NW Tiffany Springs PkwyKansas City, MO 64153(816) 587-4181View Map

8117 N Oak TrafficwayKansas City, MO 64118(816) 452-8810View Map

600 W 103rd St #206Kansas City, MO 64114(816) 943-6166View Map

4450 Belleview AveKansas City, MO 64111(816) 216-1033View Map

More Kansas City agents

It may be expensive, but it’s not optional

Despite the high cost, auto insurance may be mandatory for several reasons.

The benefits of insuring your 3 definitely exceed the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays as much as $800 each year so shop around at least once a year to ensure rates are competitive.

Kansas City auto insurance companies

Picking the highest-rated company is difficult considering how many different companies sell coverage in Missouri. The information shown below can help you decide which car insurance providers you want to consider when looking for cheaper rates.

Top 10 Kansas City Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. GEICO
  8. Safeco Insurance
  9. Mercury Insurance
  10. Esurance

Top 10 Kansas City Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Do the work, save more money

Budget-friendly car insurance in Kansas City is attainable both online and with local Kansas City insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who may not provide internet price quotes and these small insurance companies only sell through local independent agents.

Throughout this article, we presented a lot of techniques to lower your Mazda 3 insurance auto insurance rates in Kansas City. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest Mazda 3 rate quotes. You may even find the biggest savings come from a lesser-known regional company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm or Progressive.

Much more information about car insurance in Missouri can be found at these links: