The best way we recommend to get low-cost auto insurance rates is to start comparing prices regularly from companies in Indianapolis.
- Step 1: Learn about how your policy works and the factors you can control to drop your rates. Many factors that drive up the price like at-fault accidents, speeding tickets, and a negative credit score can be eliminated by being financially responsible and driving safely. Read the full article for ideas to help find cheaper rates and find discounts that may have been missed.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while agents who are independent can quote rates for many different companies.
- Step 3: Compare the new rates to your existing rates to see if a cheaper price is available in Indianapolis. If you find a better price, make sure coverage is continuous and does not lapse.
The most important part of this process is to try to compare the same amount of coverage on each price quote and and to get price quotes from as many different companies as possible. This helps ensure a level playing field and a complete price analysis.
Anyone knows that insurance companies don’t want you quoting rates from other companies. Insureds who shop around for the cheapest rate will probably switch to a new company because there is a good chance of finding a cheaper policy. A study showed that drivers who shopped around annually saved over $3,500 over four years as compared to drivers who don’t regularly compare prices.
If finding discount rates on auto insurance is why you’re here, then learning about how to find companies and compare cheaper coverage can help you succeed in finding affordable rates.
Companies offering Mazda 3 insurance in Indianapolis
The companies shown below offer free rate quotes in Indiana. If several companies are displayed, we suggest you visit several of them to find the most competitive auto insurance rates.
Mazda 3 insurance statistics and information
The rate information below outlines detailed analysis of coverage prices for Mazda 3 models. Learning as much as possible about how policy premiums are formulated is important to be able to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $152 | $230 | $368 | $22 | $110 | $882 | $74 |
| 3 I SV 4-Dr Sedan | $152 | $230 | $368 | $22 | $110 | $882 | $74 |
| 3 I Touring 4-Dr Sedan | $152 | $270 | $368 | $22 | $110 | $922 | $77 |
| 3 S Sport 4-Dr Hatchback | $172 | $270 | $368 | $22 | $110 | $942 | $79 |
| 3 S Sport 4-Dr Sedan | $172 | $270 | $368 | $22 | $110 | $942 | $79 |
| 3 S Grand Touring 4-Dr Hatchback | $172 | $270 | $368 | $22 | $110 | $942 | $79 |
| 3 S Grand Touring 4-Dr Sedan | $172 | $270 | $368 | $22 | $110 | $942 | $79 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in your specific Indianapolis location which can affect premiums noticeably.
Deductible comparison
One of the most common insurance questions is which deductibles should you choose. The data tables below highlight the difference in cost when you select higher and lower physical damage deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| 3 I SV 4-Dr Sedan | $242 | $436 | $280 | $16 | $84 | $1,083 | $90 |
| 3 I Touring 4-Dr Sedan | $242 | $514 | $280 | $16 | $84 | $1,161 | $97 |
| 3 S Sport 4-Dr Hatchback | $272 | $514 | $280 | $16 | $84 | $1,191 | $99 |
| 3 S Sport 4-Dr Sedan | $272 | $514 | $280 | $16 | $84 | $1,191 | $99 |
| 3 S Grand Touring 4-Dr Hatchback | $272 | $514 | $280 | $16 | $84 | $1,191 | $99 |
| 3 S Grand Touring 4-Dr Sedan | $272 | $514 | $280 | $16 | $84 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $176 | $294 | $280 | $16 | $84 | $850 | $71 |
| 3 I SV 4-Dr Sedan | $176 | $294 | $280 | $16 | $84 | $850 | $71 |
| 3 I Touring 4-Dr Sedan | $176 | $348 | $280 | $16 | $84 | $904 | $75 |
| 3 S Sport 4-Dr Hatchback | $200 | $348 | $280 | $16 | $84 | $928 | $77 |
| 3 S Sport 4-Dr Sedan | $200 | $348 | $280 | $16 | $84 | $928 | $77 |
| 3 S Grand Touring 4-Dr Hatchback | $200 | $348 | $280 | $16 | $84 | $928 | $77 |
| 3 S Grand Touring 4-Dr Sedan | $200 | $348 | $280 | $16 | $84 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in zip code location which can raise or lower prices considerably.
We can estimate from the data above that using a $100 deductible will cost you approximately $21 more each month or $252 every year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at least 19 months between claims, you would save money if you choose the higher deductible.
Lower your car insurance rates with discounts
Car insurance is neither fun to buy or cheap, but you may find discounts that you may not even know about. A few discounts will automatically apply when you purchase, but a few need to be specifically requested prior to receiving the credit. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.
- Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
- Early Switch Discount – A few insurance companies offer discounts for buying a new policy before your current coverage expires. It’s a savings of about 10%.
- Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get better car insurance rates.
- Driver Safety – Taking a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
- Military Rewards – Being deployed with a military unit could be rewarded with lower prices.
- Multi-policy Discount – When you combine your auto and homeowners insurance with the same company you could earn a discount of as much as 10 to 15 percent.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
- Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
A quick disclaimer, some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.
The chart below illustrates the comparison of Mazda 3 insurance rates with and without some available policy discounts. The price estimates are based on a male driver, no tickets, no at-fault accidents, Indiana state minimum liability limits, full 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, safe-driver, multi-policy, marriage, multi-car, and homeowner discounts applied.
Larger car insurance companies and a selection of discounts are outlined below.
- Progressive has discounts for online signing, homeowner, online quote discount, multi-vehicle, and continuous coverage.
- MetLife offers premium reductions for good student, claim-free, good driver, accident-free, multi-policy, defensive driver
- Mercury Insurance offers discounts including location of vehicle, good student, age of vehicle, anti-theft, accident-free, and annual mileage.
- Nationwide may offer discounts for easy pay, business or organization, family plan, good student, accident-free, and anti-theft.
- GEICO discounts include defensive driver, multi-policy, driver training, military active duty, and five-year accident-free.
- AAA includes discounts for pay-in-full, education and occupation, AAA membership discount, multi-policy, good student, anti-theft, and good driver.
It’s a good idea to ask every company how you can save money. Savings may not apply to policyholders in Indianapolis. For a list of companies with the best discounts in Indiana, click here.
Independent or exclusive auto insurance agents
Many people just want to buy from a licensed agent and often times that is recommended The biggest benefit of comparing car insurance online is you may find the lowest rates and still have an agent to talk to. And buying from neighborhood insurance agencies is definitely important in Indianapolis.
To find an agent, once you fill out this quick form, your insurance coverage information is emailed to companies in Indianapolis who will give you quotes for your insurance coverage. You don’t have to leave your computer due to the fact that quote results will go to you instantly. You can find better rates AND an agent nearby. If you wish to get a price quote for a specific company, you would need to jump over to their website and give them your coverage information.
Insurance agent types
If you need to find a reputable agency, you need to know there are two different types of agencies and how they can write your policy. Car insurance agents in Indianapolis can be categorized as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Independent agents are not employed by one company and that is an advantage because they can write policies through many different car insurance companies and get the cheapest rates. If you are not satisfied with one company, the business is moved internally and you don’t have to do anything. If you are comparing car insurance prices, you absolutely need to get insurance quotes from several independent agencies to maximize your price options. Many can place coverage with smaller companies which may have better rates.
Below is a short list of independent agencies in Indianapolis who may be able to give you competitive price quotes.
- Shepherd Insurance and Financial Services
111 Congressional Blvd Suite 100 – Carmel, IN 46032 – (317) 846-5554 – View Map - McClain Matthews Insurance
6329 Hollister Dr – Indianapolis, IN 46224 – (317) 298-7500 – View Map - A. I. King Insurance Agency, Inc.
8604 Allisonville Rd #210 – Indianapolis, IN 46250 – (317) 841-6004 – View Map
Exclusive Agents
These agents are contracted to one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to give you multiple price quotes so keep that in mind. Exclusive insurance agents are well schooled on the products they sell and that allows them to sell at a higher price point. Some consumers prefer to purchase coverage from exclusives partially due to loyalty to the company and the convenience of having all coverages with one company.
Below are exclusive insurance agencies in Indianapolis that are able to give price quote information.
- Scott Nichols – State Farm Insurance Agent
7022 W 10th St b – Indianapolis, IN 46214 – (317) 243-3509 – View Map - Jim Grounds – State Farm Insurance Agent
4745 Statesmen Dr d – Indianapolis, IN 46250 – (317) 842-6807 – View Map - Elizabeth Marshall – State Farm Insurance Agent
6124 N College Ave – Indianapolis, IN 46220 – (317) 255-2700 – View Map
Selecting an car insurance agent requires you to look at more than just a cheap price. Any agent in Indianapolis should be willing to answer these questions.
- Is there a 24/7 contact number?
- Will the quote change when the policy is issued?
- If they are an independent agency in Indianapolis, which companies do they recommend?
- How much can you save by raising your physical damage deductibles?
- What company holds the largest book of business for them?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Who are their largest clients?
Final considerations
People change insurance companies for any number of reasons including delays in responding to claim requests, policy non-renewal, extreme rates for teen drivers or high prices. No matter why you want to switch, switching companies is not as difficult as it may seem.
As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many cases where an insured cut collision coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy enough coverage at a price you can afford and still be able to protect your assets.
We just covered a lot of techniques to shop for Mazda 3 insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the best prices are with the smaller companies.
Additional auto insurance information can be read below:
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has Cheap Indianapolis Auto Insurance Rates for Postal Workers? (FAQ)
- Who Has Cheap Indianapolis Auto Insurance for a Company Car? (FAQ)
- What Insurance is Cheapest for a Jeep Grand Cherokee in Indianapolis? (FAQ)
- How Much is Auto Insurance for a Honda Civic in Indianapolis? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- All About Airbag Safety (State Farm)