A study showed that a large majority of consumers kept their coverage with the same auto insurance company for at least the last four years, and just short of a majority have never even compared rates from other companies. With the average auto insurance premium being $1,430, Boston drivers could cut their rates by approximately $588 a year by just comparing rate quotes, but they assume it’s a waste of time to go online and compare rates.
To save the most money, the best way to get cheaper auto insurance rates is to annually compare prices from insurance carriers that insure vehicles in Boston. Prices can be compared by following these steps.
Step 1: Read and learn about what coverages are included in your policy and the things you can change to keep rates low. Many rating factors that cause rate increases like traffic citations and an unacceptable credit history can be controlled by making minor driving habit or lifestyle changes. Read the full article for more ideas to get lower rates and get additional discounts that may be available.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agencies can provide prices from multiple companies.
Step 3: Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide adequate notice to your current company to cancel your current auto insurance policy. Submit the required down payment along with the signed application to your new carrier. As soon as you have the new policy, put the certificate verifying coverage with your registration paperwork.
The most important part of shopping around is to compare similar limits and deductibles on every quote and and to look at every company you can. Doing this provides a fair rate comparison and a better comparison of the market.
If you have coverage now or are looking for a new policy, use these tips to buy cheaper car insurance without reducing protection. Buying affordable car insurance in Boston is actually quite easy if you know where to start. You just need to know the quickest way to shop online from multiple companies.
Mazda 3 insurance discounts in Boston
Companies that sell car insurance don’t always publicize the entire discount list in a way that’s easy to find, so the list below details both well-publicized as well as some of the hidden credits available to you. If you do not check that you are getting every discount possible, you could be saving more on your car insurance.
- Defensive Driving Course – Successfully completing a defensive driving class is a good idea and can lower rates and also improve your driving technique.
- Senior Discount – Seniors are able to get a discount up to 10%.
- Driver Education Discount – Cut your cost by having your teen driver complete a driver education course as it will make them better drivers and lower rates.
- Early Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
- Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on Boston car insurance quote in comparison with insureds who have frequent claims or accidents.
You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.
The illustration below shows the difference between Mazda 3 car insurance rates with and without discounts applied to the policy premium. The information is based on a male driver, no driving violations, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, claim-free, and multi-policy discounts applied.
Some companies that may offer quotes with most of these discounts include:
Check with each company or agent what discounts are available to you. Discounts may not be available in Boston. To choose car insurance companies with discount rates in Boston, follow this link.
Most companies like State Farm, GEICO and Progressive make it easy to get prices on their websites. Doing online quotes for Mazda 3 insurance in Boston is quite easy as all you need to do is type in your required coverages on the page. Once you submit the form, their quoting system sends out for your driving record and credit report and generates a price based on the data you entered. Getting online quotes for Mazda 3 insurance in Boston makes it easy to compare insurance prices and it is important to get many rate quotes if you want to find the lowest payment on insurance.
To compare rates now, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you duplicate the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will get rate comparison quotes using the exact same coverages.
The companies shown below offer comparison quotes in Boston, MA. If multiple companies are listed, it’s highly recommended you click on several of them to get the most affordable price.
Insurance rate breakdown
The price information displayed below covers a range of coverage prices for Mazda 3 models. Learning as much as possible about how premiums are calculated can be useful when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $164 | $298 | $320 | $18 | $96 | $896 | $75 |
| 3 I SV 4-Dr Sedan | $164 | $298 | $320 | $18 | $96 | $896 | $75 |
| 3 I Touring 4-Dr Sedan | $164 | $352 | $320 | $18 | $96 | $950 | $79 |
| 3 S Sport 4-Dr Hatchback | $184 | $352 | $320 | $18 | $96 | $970 | $81 |
| 3 S Sport 4-Dr Sedan | $184 | $352 | $320 | $18 | $96 | $970 | $81 |
| 3 S Grand Touring 4-Dr Hatchback | $184 | $352 | $320 | $18 | $96 | $970 | $81 |
| 3 S Grand Touring 4-Dr Sedan | $184 | $352 | $320 | $18 | $96 | $970 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates noticeably.
Physical damage deductible comparison
When shopping for car insurance, a common question is how high should the physical damage deductibles be. The premium rates below show the differences in price between low and high coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| 3 I SV 4-Dr Sedan | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| 3 I Touring 4-Dr Sedan | $288 | $612 | $334 | $20 | $100 | $1,379 | $115 |
| 3 S Sport 4-Dr Hatchback | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| 3 S Sport 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| 3 S Grand Touring 4-Dr Hatchback | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| 3 S Grand Touring 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $210 | $350 | $334 | $20 | $100 | $1,014 | $85 |
| 3 I SV 4-Dr Sedan | $210 | $350 | $334 | $20 | $100 | $1,014 | $85 |
| 3 I Touring 4-Dr Sedan | $210 | $414 | $334 | $20 | $100 | $1,078 | $90 |
| 3 S Sport 4-Dr Hatchback | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| 3 S Sport 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| 3 S Grand Touring 4-Dr Hatchback | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| 3 S Grand Touring 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in garaging location in Boston which can increase or decrease premiums noticeably.
Based on these figures, using a $100 deductible costs approximately $24 more each month or $288 each year averaged for all 3 models than opting for the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 17 months between claims, you would more than likely save some money if you decide on a higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $114 |
| Average monthly premium for $500 deductibles (subtract): | – $90 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
The chart below demonstrates how deductibles and can change Mazda 3 insurance premiums for each age group. The costs are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Should you buy full coverage?
The example below shows the difference between Mazda 3 car insurance costs with liability coverage only compared to full coverage. The prices are based on no violations or claims, $500 deductibles, drivers are single, and no additional discounts are factored in.
When to stop buying full coverage
There is no set guideline of when to exclude physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Mazda 3 book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after the deductible is paid. If it’s costing in excess of $400 annually to have full coverage, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not recommended. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Components of Your Mazda 3 Insurance Prices
Lots of factors are part of the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, although some other factors are more transparent such as your credit history or your financial responsibility. Part of the insurance buying process is learning the different types of things that help calculate the price you pay for insurance. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in big savings.
- Too many insurance claims drive up premiums – Auto insurance companies in Massachusetts award the lowest premiums to policyholders who do not file claims often. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Liability protection safeguards assets – Your policy’s liability coverage is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Liability is cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
- Big cities have higher prices – Living in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. People who live in big cities have to deal with more traffic problems and a longer drive to work. Fewer people corresponds to lower accident rates.
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Is your car, truck or SUV built for speed? – The performance level of the car you need to insure makes a significant difference in your auto insurance rates. The lowest performance passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
The data below uses these assumptions: married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It compares Mazda 3 policy rates compared to other makes and models that have different risk factors.
- Always keep your policy in force – Allowing your insurance policy to lapse is a guaranteed way to increase your insurance rates. Not only will rates go up, failure to provide proof of insurance can result in a steep fine or even jail time. You may then be required to prove you have insurance by filing a SR-22 with the Massachusetts department of motor vehicles.
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Older drivers save more – Teen drivers in Massachusetts have a tendency to be careless and easily distracted when driving so insurance rates are higher. Having to add a inexperienced driver to your policy can break the bank. Mature drivers are more cautious drivers, cost insurance companies less in claims, and usually have better credit.
The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Do you really need the incidental coverages? – Insurance companies have many extra coverages that you can get tricked into buying when buying insurance. Things like rental car reimbursement, towing coverage, and Farm Bureau memberships may be costing you every month. You may think they are a good idea when discussing your needs, but if you’ve never needed them in the past get rid of them and save.
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Loss statistics for a Mazda 3 – Auto insurance companies analyze past claim statistics as a tool for profitable underwriting. Vehicles that the data shows to have a trend towards higher claims will have a higher cost to insure.
The next table illustrates the insurance loss data for Mazda 3 vehicles. For each insurance policy coverage type, the statistical loss for all vehicles compiled together is a value of 100. Values that are under 100 suggest a better than average loss history, while numbers above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.
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 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Which is the best insurance?
Always keep in mind that when comparing proper insurance coverage for your personal vehicles, there really isn’t a perfect coverage plan. Every insured’s situation is different.
These are some specific questions can help discover whether your personal situation would benefit from professional advice.
- Do I have coverage when making deliveries for my home business?
- Will my rates increase for filing one claim?
- Is business equipment covered while in my vehicle?
- Are my friends covered when driving my car?
- When should I not file a claim?
- Can good grades get a discount?
- What if a claim settlement is too low?
If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Auto insurance agents can give valuable advice
Many drivers prefer to talk to a local agent and that is recommended in a lot of cases Good insurance agents can make sure you are properly covered and give you someone to call. One of the benefits of comparing rates online is that you can obtain cheap insurance rates and still have a local agent. Supporting local agencies is definitely important in Boston.
For easy comparison, once you complete this quick form, the quote information is sent to companies in Boston who will gladly provide quotes to get your business. There is no reason to contact any insurance agencies because quoted prices will be sent instantly to you. If you need to get a comparison quote from a specific company, feel free to navigate to their website and submit a quote form there.
If you want local Boston agents, it’s helpful to know the different types of agents from which to choose. Insurance agents are either independent agents or exclusive agents depending on their employer. Both types of agents can provide insurance policies, but it’s worth learning the difference in how they write coverage since it can affect buying decisions.
Independent Agents
These type of agents are not locked into one company so they can write business with a variety of different insurance companies enabling the ability to shop coverage around. If they find a cheaper price, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, you will want to include independent agents so that you can do a thorough price comparison.
Listed below is a partial list of independent agencies in Boston that may be able to give comparison quotes.
Thomas J. Bennett Insurance Agency
480 Washington St – Dorchester Center, MA 02124 – (617) 825-9676 – View Map
Massachusetts Fair Plan
2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800 – View Map
Baltic Insurance Agency
597 E Broadway – South Boston, MA 02127 – (617) 268-6030 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive have only one company to place business with like American Family, State Farm, and AAA. Exclusive agencies are unable to provide other company’s prices so always compare other rates. Exclusive insurance agents are well trained on their products and sales techniques which helps them sell insurance even at higher premiums.
Below are exclusive agents in Boston who can help you get comparison quotes.
Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Finding a good insurance agency should depend on more than just a low price. A good agent in Boston will have answers to these questions.
- If your car is in the repair shop, do you have coverage for a rental car?
- Are there any extra charges for paying monthly?
- Who are their largest clients?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How would your car be valued if totaled?
- If you have an accident, will your rates go up?
- Are they actively involved in the community?
- Is the agent properly licensed in Massachusetts?
Car insurance just makes sense
Despite the high insurance cost for a Mazda 3 in Boston, insuring your vehicle may be required for several reasons.
- Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Mazda 3, almost every bank will make it a condition of the loan that you buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Mazda at a more expensive rate and require you to fork over the higher premium.
- Insurance safeguards both your assets and your Mazda. Insurance will also pay for many types of medical costs incurred in an accident. As part of your policy, liability insurance will also pay to defend you if anyone sues you for causing an accident. If your Mazda gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of buying enough insurance more than offset the price you pay, especially if you ever need it. Despite what companies tell you, the average driver is overpaying over $750 every year so it’s very important to do a rate comparison at every policy renewal to be sure current rates are still competitive.
Best car insurance company in Massachusetts
Buying coverage from the best auto insurance company is difficult considering how many companies sell insurance in Boston. The ranking information below may help you decide which coverage providers to look at comparing prices from.
Top 10 Boston Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- State Farm – 87%
- Travelers – 87%
- Mercury Insurance – 87%
- Safeco Insurance – 86%
More effort can pay off
When you buy Boston car insurance online, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage and learned later that they should have had better coverage. The proper strategy is to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.
Drivers switch companies for a variety of reasons including questionable increases in premium, policy cancellation, delays in responding to claim requests and denial of a claim. No matter why you want to switch, choosing a new company is not as difficult as it may seem.
We just showed you many tips how you can lower your Mazda 3 insurance rates in Boston. The key thing to remember is the more you quote Boston car insurance, the higher your chance of finding the cheapest Mazda 3 rate quotes. You may even discover the best price on auto insurance is with a small local company.
More tips and info about auto insurance is available in these articles:
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Cheap Auto Insurance for Police Officers in Boston? (FAQ)
- What Car Insurance is Cheapest for a Company Car in Boston? (FAQ)
- Collision Coverage (Liberty Mutual)
- Auto Theft Statistics (Insurance Information Institute)