Insurance for Mazda 3Do you need a better way to compare more affordable Mazda 3 insurance in Honolulu? Wish you could get a refund on an underperforming, overpriced auto insurance policy? You're preaching to the choir because many Honolulu drivers have buyer's remorse.

Statistics show that nearly 70% of drivers have been with the same company for over three years, and approximately 40% of consumers have never compared rate quotes at all. Honolulu drivers could save themselves up to 40% a year just by shopping around, but they think it's difficult to compare rates. Companies like State Farm, GEICO and Farmers Insurance continually bombard you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

You should take the time to get comparison quotes periodically because prices are usually higher with each renewal. If you had the best rates on Mazda 3 insurance in Honolulu six months ago a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because I'm going to teach you the fastest way to find better rates and still maintain coverage.

All major auto insurance companies allow consumers to get prices for coverage online. Comparing Mazda 3 insurance rates online is pretty easy as all you need to do is type in the coverage amounts you desire as detailed in the form. After the form is submitted, their quoting system orders your driving and credit reports and quotes a price. This makes it a lot easier to compare rates and it's very important to compare as many rates as possible in order to get the lowest payment.

If you want to find out what other companies charge, compare rates now from the companies shown below. If you have a policy now, it's recommended you duplicate the limits and deductibles identical to your current policy. Doing this guarantees you will be getting a price comparison for exact coverage.

The companies shown below offer free quotes in Honolulu, HI. If multiple companies are shown, we suggest you visit several of them in order to find the most competitive rates.

Mazda 3 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $98 $180 $248 $14 $74 $614 $51
3 I SV 4-Dr Sedan $218 $464 $344 $20 $104 $1,150 $96
3 I Touring 4-Dr Sedan $162 $376 $320 $18 $96 $972 $81
3 S Sport 4-Dr Hatchback $138 $250 $270 $16 $80 $754 $63
3 S Sport 4-Dr Sedan $256 $500 $358 $22 $106 $1,242 $104
3 S Grand Touring 4-Dr Hatchback $178 $338 $248 $14 $74 $852 $71
3 S Grand Touring 4-Dr Sedan $178 $338 $248 $14 $74 $852 $71
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in vehicle garaging location which can revise rates substantially.

Responsible drivers pay cheaper car insurance rates

The chart below illustrates how traffic citations and at-fault claims can increase Mazda 3 yearly insurance costs for different age groups. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

Gender differences in car insurance premiums

The illustration below visualizes the comparison of Mazda 3 auto insurance rates for male and female drivers. The premiums are based on no claims or driving citations, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied.

Higher deductibles lower rates

One of the hardest decisions when shopping for car insurance is how high should your deductibles be. The comparisons below summarize the rate fluctuation between high and low physical damage deductibles. The first rate quote example uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Mazda 3 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $204 $344 $264 $16 $80 $933 $78
3 I SV 4-Dr Sedan $204 $344 $264 $16 $80 $933 $78
3 I Touring 4-Dr Sedan $204 $406 $264 $16 $80 $995 $83
3 S Sport 4-Dr Hatchback $230 $406 $264 $16 $80 $1,021 $85
3 S Sport 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
3 S Grand Touring 4-Dr Hatchback $230 $406 $264 $16 $80 $1,021 $85
3 S Grand Touring 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
Get Your Own Custom Quote Go
Mazda 3 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $126 $216 $264 $16 $80 $702 $59
3 I SV 4-Dr Sedan $126 $216 $264 $16 $80 $702 $59
3 I Touring 4-Dr Sedan $126 $256 $264 $16 $80 $742 $62
3 S Sport 4-Dr Hatchback $142 $256 $264 $16 $80 $758 $63
3 S Sport 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
3 S Grand Touring 4-Dr Hatchback $142 $256 $264 $16 $80 $758 $63
3 S Grand Touring 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific location information which can change price quotes greatly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $21 more each month or $252 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 36 months between claim filings, you would probably save some money by going with a higher deductible.

Why you need to buy insurance

Despite the fact that insurance is not cheap in Honolulu, insurance is mandatory in Hawaii but it also protects more than you think.

The benefits of insuring your 3 definitely exceed the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $820 a year so you should quote your policy with other companies each time the policy renews to make sure the price is not too high.

Auto insurance buyers beware

Consumers can't avoid all the ads that claim the cheapest premium rates by GEICO, State Farm and Progressive. They all state the claim about savings if you move your policy.

Is it even possible that every company can sell you cheaper insurance coverage? This is how they do it.

All companies quote the lowest rates for the type of insured that will be a good risk. An example of a desirable insured might be a female over age 40, has no driving citations, and drives less than 7,500 miles a year. A driver that hits that "sweet spot" will probably get cheap prices and as a result will probably pay quite a bit less when switching companies.

Potential customers who don't meet those standards will see higher rates with the end result being the customer buying from someone else. The ads say "customers who switch" not "everybody who quotes" save the amount stated. That's the way companies can truthfully advertise the savings. This really illustrates why you need to do a quote comparison often. It's just too difficult to predict which insurance companies will have the best prices for your profile.

Get lower-cost Mazda 3 insurance in Honolulu with discounts

Some insurance providers do not advertise every disount available in a way that's easy to find, so we took the time to find a few of the more well known and also the lesser-known credits that may apply to you. If you are not receiving all the discounts you qualify for, you are throwing money away.Save money with discounts

As a footnote on discounts, most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, it's just not the way it works.

If you would like to see a list of auto insurance companies that offer discounts in Honolulu, click this link.

Compare rates but buy from a local Honolulu insurance agent

A lot of people just want to buy from a local agent and that can be a smart move Experienced insurance agents can help you build your policy and will help you if you have claims. A good thing about comparing insurance prices online is the fact that you can find lower prices and still have an agent to talk to.

Once you complete this short form, your insurance coverage information is sent to agents in your area who will give competitive quotes for your business. You don't have to search for an agent as quotes are delivered to your email. If for some reason you want to get a price quote for a specific company, you would need to jump over to their website and give them your coverage information.

Choosing an insurance company requires more thought than just the quoted price. Agents should be asked these questions:

Choose an insurance agent wisely

When searching for a local insurance agency, it's helpful to know the different agency structures that you can choose from. Auto insurance agents in Honolulu are considered either independent or exclusive depending on the company they work for. Both handle auto insurance, but it's worth learning the difference in how they write coverage because it can impact the type of agent you choose.

Exclusive Auto Insurance Agencies

Exclusive agents are contracted to one company like Allstate, State Farm and Farmers Insurance. They usually cannot place coverage with different providers so they have to upsell other benefits. Exclusive agents are trained well on their company's products which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive agents in Honolulu willing to provide comparison quotes.

1370 N King St - Honolulu, HI 96817 - (808) 845-9026 - View Map

841 Bishop St #203 - Honolulu, HI 96813 - (808) 531-9918 - View Map

210 Ward Ave #116 - Honolulu, HI 96814 - (808) 587-6116 - View Map

More insurance agents

Independent Agencies or Brokers

Agents that elect to be independent can quote rates with many companies and that gives them the ability to insure with an assortment of companies and get the cheapest rates. If your premiums go up, they simply move your policy to a different company and you don't have to switch agencies. When comparing auto insurance prices, you absolutely need to compare prices from several independent insurance agents so that you have a good selection of quotes to compare.

Shown below is a list of independent agencies in Honolulu willing to provide comparison quotes.

500 Ala Moana Blvd # 2303 - Honolulu, HI 96813 - (808) 534-7300 - View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818 - Honolulu, HI 96818 - (808) 527-7777 - View Map

1350 S King St #303 - Honolulu, HI 96814 - (808) 591-5545 - View Map

More insurance agents

Tailor your insurance coverage to you

When quoting and choosing a policy, there really is not a one size fits all plan. Every situation is different so your insurance should reflect thatHigher deductibles save money For instance, these questions might point out if you might need an agent's assistance.

If you don't know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Smart shoppers get results

When shopping online for auto insurance, make sure you don't reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and discovered at claim time they didn't have enough coverage. The aim is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Cheap Mazda 3 insurance in Honolulu is possible online as well as from independent agents in Honolulu, so you need to shop Honolulu auto insurance with both to have the best rate selection. There are still a few companies who do not provide the ability to get quotes online and many times these smaller providers sell through independent agents.

We've covered a lot of ways to shop for Mazda 3 insurance online. It's most important to understand that the more times you quote, the higher your chance of finding affordable Honolulu auto insurance quotes. Drivers may even discover the most savings is with a lesser-known regional company. They can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

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