It’s hard to fathom, but the vast majority of consumers have purchased from the same company for at least the last four years, and 38% of drivers have never even compared rates from other companies. Consumers in Virginia Beach can save hundreds of dollars each year just by shopping around, but most just don’t grasp the amount of money they would save if they switched to a cheaper policy.
It takes a few minutes, but the best way to get affordable Mazda 3 insurance in Virginia Beach is to begin comparing prices regularly from companies that insure vehicles in Virginia.
- Get an understanding of how your policy works and the things you can change to keep rates down. Many risk factors that result in higher rates such as traffic citations and a not-so-good credit rating can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover more details to help reduce premium rates and find discounts that may have been missed.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while independent agents can quote prices from multiple companies. Compare rates now
- Compare the quotes to the premium of your current policy to determine if switching companies saves money. If you find a better price and make a switch, make sure there is no coverage gap between policies.
- Give proper notification to your current agent or company of your intention to cancel the current policy and submit the application along with any required down payment for the new coverage. Once coverage is bound, put the new certificate of insurance in an accessible location in your vehicle.
One tip to remember is to use the same coverage limits and deductibles on each quote request and and to get prices from as many different companies as possible. This ensures an apples-to-apples comparison and a thorough price selection.
Get cheaper rates on Mazda 3 insurance in Virginia Beach with these insurance discounts
Insurance is expensive, but companies offer discounts to cut the cost considerably. Some of these discounts will be visible when you quote, but a few need to be specially asked for before they will apply. If they aren’t giving you every credit you deserve, you could be paying more than you need to.
- Paper-free Discount – Some larger companies will discount your bill up to fifty bucks for buying your policy digitally online.
- Good Driver Discounts – Drivers without accidents can save as much as half off their rates than less cautious drivers.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
- Bundle and Save – If you can bundle your homeowners and auto insurance with the same insurance company you will save approximately 10% to 15%.
- Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
- Federal Employees – Federal government employees could provide a small rate reduction with some insurance companies.
- Clubs and Organizations – Being in qualifying employment or professional organizations is a good way to get lower rates on your policy.
You should keep in mind that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Even though it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous.
The chart below visualizes the comparison of Mazda 3 insurance rates with and without discounts applied to the premium. The costs are based on a male driver, no claims or driving violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.
If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts in Virginia, follow this link.
How to get the cheapest Mazda 3 insurance in Virginia Beach, VA
The majority of larger companies such as State Farm, GEICO and Progressive give prices online. Doing online price comparisons for Mazda 3 insurance in Virginia Beach is fairly simple as you simply enter your personal and coverage information into the quote form. After you complete the form, the system collects reports for credit and driving violations and returns a price. Using the web to get rates for Mazda 3 insurance in Virginia Beach streamlines rate comparisons, and it’s very important to have as many quotes as possible in order to get cheaper rates.
To quickly compare rates now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you duplicate coverages and limits identical to your current policy. This makes sure you are getting rate quotes for similar insurance coverage.
The car insurance companies shown below are ready to provide comparison quotes in Virginia. If multiple companies are listed, we recommend you compare several of them to find the lowest car insurance rates.
Rates and data analysis
The price information below covers a range of coverage prices for Mazda 3 models. Learning more about how insurance premiums are determined can help drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| 3 I SV 4-Dr Sedan | $170 | $328 | $270 | $16 | $80 | $864 | $72 |
| 3 I Touring 4-Dr Sedan | $170 | $386 | $270 | $16 | $80 | $922 | $77 |
| 3 S Sport 4-Dr Hatchback | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| 3 S Sport 4-Dr Sedan | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| 3 S Grand Touring 4-Dr Hatchback | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| 3 S Grand Touring 4-Dr Sedan | $194 | $386 | $270 | $16 | $80 | $946 | $79 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in garaging location in Virginia Beach which can decrease or increase insurance rates substantially.
Analysis of deductible levels
When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The following tables can help you understand the rate differences between low and high physical damage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $198 | $336 | $258 | $16 | $78 | $911 | $76 |
| 3 I SV 4-Dr Sedan | $198 | $336 | $258 | $16 | $78 | $911 | $76 |
| 3 I Touring 4-Dr Sedan | $198 | $394 | $258 | $16 | $78 | $969 | $81 |
| 3 S Sport 4-Dr Hatchback | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| 3 S Sport 4-Dr Sedan | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| 3 S Grand Touring 4-Dr Hatchback | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| 3 S Grand Touring 4-Dr Sedan | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $122 | $210 | $258 | $16 | $78 | $684 | $57 |
| 3 I SV 4-Dr Sedan | $122 | $210 | $258 | $16 | $78 | $684 | $57 |
| 3 I Touring 4-Dr Sedan | $122 | $248 | $258 | $16 | $78 | $722 | $60 |
| 3 S Sport 4-Dr Hatchback | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| 3 S Sport 4-Dr Sedan | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| 3 S Grand Touring 4-Dr Hatchback | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| 3 S Grand Touring 4-Dr Sedan | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise premiums greatly.
Using the data above, we can ascertain that using a $250 deductible costs roughly $21 more each month or $252 for a full year averaged for all 3 models than buying the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 36 months between claims, you would most likely save money by going with a higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $81 |
| Average monthly premium for $1,000 deductibles (subtract): | – $60 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 36 months |
The information below shows how choosing a deductible and can impact Mazda 3 insurance costs for different age groups of insureds. The costs are based on a single female driver, comp and collision included, and no policy discounts are applied.
Full coverage versus liability-only in Virginia Beach
The example below visualizes the comparison of Mazda 3 insurance premiums with full coverage and liability only. The premiums assume no violations or accidents, $100 deductibles, marital status is single, and no policy discounts are applied.
When to switch to liability coverage only
There is no definitive rule to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Mazda 3 claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after paying your policy deductible. If you are paying over $700 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where removing full coverage is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.
You may need help from an insurance agent
Some consumers prefer to get advice from a local agent. Agents can help you choose the best coverages and will help you if you have claims. A good thing about comparing car insurance online is the fact that you can find cheap car insurance quotes and still have an agent to talk to. Buying insurance from small agencies is still important in Virginia Beach.
By using this quick form, your insurance coverage information is submitted to participating agents in Virginia Beach that give free quotes for your coverage. It’s much easier because you don’t need to leave your computer since rate quotes are delivered directly to you. If you have a need to compare rates from a particular provider, you can always visit that company’s website and complete a quote there.
Types of auto insurance agents
If you are searching for a reliable insurance agent, there are a couple of different types of agents and how they can write your policy. Agents in Virginia Beach are categorized either independent agents or exclusive agents. Either one can do a good job, but it’s important to know the difference in the companies they write for because it may have an impact on which type of agent you select.
Independent Agents (or Brokers)
Independent agencies are normally appointed by many insurers so they can write business with multiple insurance companies and help determine which has the cheapest rates. If your premiums go up, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, you need to check rates from a few independent agents to get the most accurate price comparison.
Shown below is a partial list of independent agents in Virginia Beach that may be able to give you comparison quotes.
Nationwide Insurance: Matthew Clifton Roenker Agency
4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111 – View Map
Hampton Roads Insurance
633-D Independence Blvd – Virginia Beach, VA 23462 – (757) 285-4754 – View Map
The Coelho insurance agency
800 Seahawk Cir #142 – Virginia Beach, VA 23452 – (757) 437-9647 – View Map
Exclusive Insurance Agents
Exclusive agents can only place business with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive agents receive extensive training on the products they sell and that can be a competitive advantage.
Listed below is a short list of exclusive agencies in Virginia Beach that can give you rate quotes.
Hy Dress – State Farm Insurance Agent
1517 Lynnhaven Pkwy #101 – Virginia Beach, VA 23453 – (757) 427-1987 – View Map
Lee Barnes – State Farm Insurance Agent
1625 Salem Rd Ste 103 – Virginia Beach, VA 23456 – (757) 467-8890 – View Map
John White State Farm®
1776 Princess Anne Rd – Virginia Beach, VA 23456 – (757) 426-2886 – View Map
Finding the right insurance agency shouldn’t rely on just a cheap quote. The following questions are important to ask.
- Are they actively involved in the community?
- Do they have a Better Business Bureau rating in Virginia Beach?
- If your car is totaled, how to they determine the replacement cost?
- What insurance company do they write the most business with?
- Will high miles depreciate repair valuations?
Don’t give up on affordable rates
We just presented some good ideas how you can shop for Mazda 3 insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Progressive and GEICO.
Some insurance companies may not have rates over the internet and these smaller companies prefer to sell through independent agents. Discount Mazda 3 insurance is definitely available from both online companies in addition to many Virginia Beach insurance agents, so you should be comparing quotes from both to have the best rate selection.
Much more information about car insurance in Virginia can be found below:
- Prom Night Tips for Teen Drivers (State Farm)
- How Much is Car Insurance for a Ford Fusion in Virginia Beach? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- How do I File a Claim? (Insurance Information Institute)
- Auto Insurance Basics (Insurance Information Institute)
- Airbag FAQ (iihs.org)