Having to pay for overpriced insurance in Henderson can bottom out your monthly budget and possibly require postponing other expenditures. Doing a rate comparison is free and is an excellent way to lower your monthly bill.
Remarkably, a study showed that almost 70% of drivers in Nevada have bought insurance from the same company for a minimum of four years, and virtually 40% of consumers have never compared rates with other companies. Consumers in America could save about $859 each year, but they just assume it’s a time-consuming process to find cheaper insurance by shopping around. Insurance companies such as GEICO, Farmers Insurance and State Farm increase brand awareness with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.
Cheapest companies for Mazda 3 insurance in Nevada
The car insurance companies shown below are our best choices to provide free quotes in Henderson, NV. If you wish to find the best cheap car insurance in Henderson, we recommend you visit several of them in order to get a fair rate comparison.
Insurance rate breakdown
The information below showcases estimates of insurance rates for Mazda 3 models. Being more informed about how insurance premiums are calculated is important for making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $242 | $440 | $318 | $18 | $96 | $1,114 | $93 |
| 3 I SV 4-Dr Sedan | $242 | $440 | $318 | $18 | $96 | $1,114 | $93 |
| 3 I Touring 4-Dr Sedan | $242 | $520 | $318 | $18 | $96 | $1,194 | $100 |
| 3 S Sport 4-Dr Hatchback | $272 | $520 | $318 | $18 | $96 | $1,224 | $102 |
| 3 S Sport 4-Dr Sedan | $272 | $520 | $318 | $18 | $96 | $1,224 | $102 |
| 3 S Grand Touring 4-Dr Hatchback | $272 | $520 | $318 | $18 | $96 | $1,224 | $102 |
| 3 S Grand Touring 4-Dr Sedan | $272 | $520 | $318 | $18 | $96 | $1,224 | $102 |
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in Henderson location which can modify auto insurance rates substantially.
The example below shows how choosing a deductible and can affect Mazda 3 insurance premiums for different categories of driver ages. The premiums are based on a single female driver, full coverage, and no discounts are applied.
Gender-based auto insurance rates by age in Henderson
The chart below illustrates the difference between Mazda 3 insurance prices for male and female drivers. The information is based on no violations or claims, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Rate difference between full and liability-only coverage
The information below shows the comparison of Mazda 3 insurance costs with full coverage and liability only. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no specific rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Mazda 3 book value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after the policy deductible has been paid. If you are paying more than $300 a year for full coverage, then you may need to consider dropping full coverage.
There are some circumstances where dropping full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Don’t overlook these Mazda 3 insurance discounts
Insuring your vehicles can cost a lot, but there may be some discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but a few need to be inquired about in order for you to get them.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 25 to 30%.
- Claim-Free Discount – Insureds who avoid accidents and claims can save substantially in comparison with bad drivers.
- Defensive Driver – Participating in a course teaching safe driver skills could possibly earn you a 5% discount and easily pay for the cost of the class.
- Pay Early and Save – By making one initial payment rather than paying in monthly installments you could save 5% or more.
- Drive Safe and Save – Insureds who avoid accidents may save up to 50% more than less cautious drivers.
You should keep in mind that some of the credits will not apply to the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works. Any amount of discount will help lower your policy premiums.
The illustration below shows the difference between Mazda 3 insurance prices with and without discounts applied to the policy rates. The data assumes a female driver, a clean driving record, no claims, Nevada 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 multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.
To locate car insurance companies that offer discounts in Henderson, click here to view.
How do Car Insurance Companies Determine Mazda 3 Insurance Rates?
Lots of factors are used in the calculation when premium rates are determined. Some are pretty understandable like your driving record, but others are less obvious such as your marital status or your vehicle rating. One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that go into determining the level of your policy premiums. If you have some idea of what influences your rates, this enables informed choices that can help you get lower car insurance prices.
Pleasure use saves money – Driving more miles in a year’s time the more you’ll pay to insure it. Almost all companies charge rates based upon how much you drive. Cars and trucks used primarily for pleasure use qualify for better rates than those used for commuting. Incorrect rating for your 3 can result in significantly higher rates. Double check that your policy reflects the correct driver usage.
Bad driving leads to higher prices – Your driving citation history has a huge affect on how much you pay. Having a single citation could increase your next policy renewal substantially. Good drivers pay lower auto insurance prices compared to drivers with tickets. People who have flagrant citations such as DUI, reckless driving or excessive speeding may find that they have to to complete a SR-22 with their state’s department of motor vehicles in order to continue driving.
The illustration below demonstrates how traffic citations and accidents impact Mazda 3 auto insurance rates for different insured age categories. The premiums assume a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Prevent theft and save – Buying a car with advanced anti-theft systems can earn a premium discount. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft and help bring rates down.
Car insurance rates and your occupation – Careers such as doctors, air traffic controllers, and emergency personnel generally pay higher rates than average because of high stress and lengthy work days. On the flip side, professions such as actors, engineers and performers have lower than average premiums.
Where you live – Living in less populated areas has definite advantages if you are looking for the lowest rates. City drivers have more traffic problems and much longer commute distances. Fewer people means a lower chance of having an accident in addition to lower liability claims.
Younger vs. older drivers – Young drivers in Nevada have a tendency to be inattentive when behind the wheel so car insurance rates are higher. Adding a inexperienced driver to your policy can be very expensive. Older, more experienced drivers are more responsible, tend to file fewer claims, and get fewer tickets.
The next chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
No policy claims equals lower premiums – Auto insurance companies in Nevada provide lower rates to people who file claims infrequently. If you are a frequent claim filer, you can look forward to higher rates. Your insurance policy is intended to be relied upon for more catastrophic claims.
Insurance loss statistics a Mazda 3 – Car insurance companies factor in insurance loss information to help determine the rate you pay. Vehicles that have increased claim numbers or amounts will have higher rates for specific coverages.
The table below illustrates the actual insurance loss data for Mazda 3 vehicles. For each policy coverage type, the claim amount for all vehicles, as a total average, is considered to be 100. Values under 100 suggest a better than average loss history, while values that are 100 or greater point to more claims or an increased chance of a larger loss.
| Vehicle 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance agents can find coverage gaps
Certain consumers still prefer to sit down and talk to an agent and doing so can bring peace of mind Good insurance agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of comparing rates online is you may find cheap car insurance quotes but still work with a licensed agent. Buying insurance from local agencies is important particularly in Henderson.
To find an agent, once you fill out this simple form, your coverage information is transmitted to participating agents in Henderson that give free quotes for your business. There is no need to even leave your home due to the fact that quote results will go straight to your inbox. In the event you want to get a rate quote from a specific insurance company, you can always search and find their rate quote page and submit a quote form there.
If you are wanting to purchase car insurance from a local Henderson insurance agent, you must know there are a couple different types of agencies that differ in how they can insure your vehicles. Car insurance agencies are classified as either independent or exclusive depending on the company they work for. Both can sell affordable car insurance policies, but it’s important to point out the difference between them since it can impact the type of agent you choose.
Independent Agents
Agents that elect to be independent often have many company appointments so they can quote policies with any number of different companies and potentially find a lower price. If you want to switch companies, they simply switch companies in-house and you don’t have to switch agencies. When comparing car insurance prices, we recommend you include rate quotes from independent agents in order to compare the most rates.
Below are Henderson independent agencies that may be able to give free rate quotes.
High Desert Insurance Agency
140 E Horizon Dr – Henderson, NV 89015 – (702) 558-8587 – View Map
Safeco Insurance
2736 Marie Antoinette St – Henderson, NV 89044 – (866) 694-9046 – View Map
Yoder Insurance Ltd
283 Grand Olympia Dr – Henderson, NV 89012 – (702) 434-7640 – View Map
Exclusive Insurance Agents
Exclusive insurance agents work for only one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive insurance agents receive extensive training on their company’s products and that allows them to sell at a higher price point.
Shown below are Henderson exclusive insurance agencies that can give you price quotes.
Amber Aiello – State Farm Insurance Agent
2200 W Horizon Ridge Pkwy a – Henderson, NV 89052 – (702) 616-4663 – View Map
J.J. Tucker – State Farm Insurance Agent
10890 S Eastern Ave #115 – Henderson, NV 89052 – (702) 616-1000 – View Map
Farmers Insurance: Ronald Fowler
2470 St Rose Pkwy Suite 315 – Henderson, NV 89074 – (702) 478-5720 – View Map
Deciding on an auto insurance agent needs to be determined by more than just the price. Any agent in Henderson should be forthright in answering these questions:
- Is coverage determined by price?
- Do they reduce claim amounts on high mileage vehicles?
- Do they offer accident forgiveness?
- Is there any savings for paying the full premium?
- Will a damage claim use OEM or aftermarket replacement parts?
- What are the financial ratings for the companies they represent?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Upon receiving positive feedback as well as offering an affordable quote, chances are good that you have found an insurance agency that can be relied on to properly service your car insurance policy. It’s important to know that consumers can cancel coverage whenever you choose to so never feel that you’re stuck with any particular company with no way to switch.
What is the best auto insurance company in Nevada?
Picking a good quality insurer can be rather challenging considering how many choices drivers have in Nevada. The information in the lists below could help you analyze which providers to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies
A conclusion for your auto insurance search
We just presented many ways to find cheap Mazda 3 insurance in Henderson. The key concept to understand is the more providers you compare, the higher your chance of finding affordable Mazda 3 insurance quotes. You may even be surprised to find that the best car insurance rates are with some of the smallest insurance companies. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as GEICO and State Farm.
When shopping online for auto insurance, never buy poor coverage just to save money. There have been many cases where an accident victim reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at the best cost, not the least amount of coverage.
How to buy discount Mazda 3 insurance in Henderson
If your goal is the lowest price, then the best way to find more affordable Mazda 3 insurance in Henderson is to compare quotes once a year from different companies that sell auto insurance in Nevada. Rates can be compared by following these steps.
- First, try to comprehend how insurance works and the steps you can take to prevent expensive coverage. Many rating factors that drive up the price like inattentive driving and a negative credit rating can be amended by making minor driving habit or lifestyle changes.
- Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive and State Farm, while independent agents can quote rates from many different companies. View prices
- Third, compare the new quotes to your current policy to determine if you can save on 3 insurance in Henderson. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
A tip to remember is to compare the same coverage limits and deductibles on every quote request and to quote with as many carriers as you can. Doing this provides an apples-to-apples comparison and a thorough price selection.
More learning opportunities
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for Retired Military in Henderson? (FAQ)
- Who Has the Cheapest Henderson Auto Insurance for Low Mileage Drivers? (FAQ)
- Who Has the Cheapest Henderson Car Insurance Rates for a Honda CR-V? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Sentra in Henderson? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Rental Car Insurance Tips (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)