Searching for low-cost insurance for a Mazda 3 in Nebraska can turn out to be a lot of work, but you can learn these tips to save time.
There are more efficient ways to shop for car insurance so we’re going to tell you the quickest way to compare rates for a Mazda and get the lowest possible price from both online companies and Lincoln agents.
Getting a cheaper price on Mazda 3 insurance is surprisingly easy. Consumers just need to take a couple of minutes to compare rates online with multiple companies.
The auto insurance companies shown below can provide free rate quotes in Lincoln, NE. If your goal is to find the best auto insurance in NE, we recommend you visit several of them to get the best price comparison.
Lower rate quotes on Mazda 3 insurance in Lincoln with these nine insurance discounts
Car insurance companies don’t necessarily list every policy discount in an easy-to-find place, so here is a list both well-publicized as well as the least known credits available to you.
- Active Military Service – Having a family member in the military could be rewarded with lower prices.
- Distant Student – Any of your kids who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
- Homeowners Savings – Just owning your own home may earn you a small savings because it requires a higher level of personal finance.
- Clubs and Organizations – Being in specific professional or occupational memberships or organizations is a good way to get lower rates on your next insurance statement.
- Senior Citizen Rates – Seniors are able to get a slight reduction on a Lincoln auto insurance quote.
- Sign Early and Save – A few insurance companies give discounts for switching to them early. It could save around 10% when you buy Lincoln auto insurance online.
- Early Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.
- Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn slightly better premium rates than normal.
You can save money using discounts, but some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it appears it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts should help reduce the premium cost.
The chart below visualizes the comparison of Mazda 3 car insurance costs with and without discounts being applied to the rates. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, claim-free, and homeowner discounts applied.
If you would like to view companies that can offer you the previously mentioned discounts in Nebraska, click here to view.
Mazda 3 coverage analysis
The coverage table shown next showcases a range of insurance prices for Mazda 3 models. Learning as much as possible about how auto insurance premiums are established can help drivers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| 3 I SV 4-Dr Sedan | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| 3 I Touring 4-Dr Sedan | $162 | $382 | $338 | $20 | $102 | $1,004 | $84 |
| 3 S Sport 4-Dr Hatchback | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| 3 S Sport 4-Dr Sedan | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| 3 S Grand Touring 4-Dr Hatchback | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| 3 S Grand Touring 4-Dr Sedan | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower premium rates greatly.
Analysis of deductible levels
One of the more difficult decisions when buying car insurance is how low should you set your deductibles. The rates below may aid in understanding the cost difference when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 deductible for physical damage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| 3 I SV 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| 3 I Touring 4-Dr Sedan | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| 3 S Sport 4-Dr Hatchback | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 3 S Sport 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 3 S Grand Touring 4-Dr Hatchback | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 3 S Grand Touring 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| 3 I SV 4-Dr Sedan | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| 3 I Touring 4-Dr Sedan | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| 3 S Sport 4-Dr Hatchback | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 3 S Sport 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 3 S Grand Touring 4-Dr Hatchback | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 3 S Grand Touring 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in vehicle location which can decrease or increase rates greatly.
Based on the above data, using a $100 deductible will cost you approximately $22 more each month or $264 for a full year than quoting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 18 months between claim filings, you would save money going with the higher deductible.
Car insurance premiums based on gender
The example below shows the difference between Mazda 3 insurance costs for male and female drivers. The price estimates are based on no claims, a clean driving record, comp and collision included, $250 deductibles, single marital status, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The chart below compares Mazda 3 insurance rates with full coverage compared to only the Nebraska minimum liability coverage. The premiums assume no accidents or driving violations, $1,000 deductibles, marital status is single, and no discounts are factored in.
When to drop comp and collision
There is no definitive guideline that is best for determining when to drop full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s pretend your Mazda 3 settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after you pay the deductible. If you are paying over $600 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Which auto insurance company is best in Nebraska?
Picking a highly-rated auto insurance provider can be difficult considering how many choices drivers have in Nebraska. The ranking information listed below can help you pick which auto insurers you want to consider putting your business with.
Top 10 Lincoln Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%