Average Insurance Costs:
- Standard Rates: For a 2017 Mazda 3, the average annual insurance premium is approximately $1,368, equating to about $114 per month.
- Liability-Only Coverage: Opting for liability-only coverage reduces premiums. For instance, the average monthly cost for liability coverage on a 2017 Mazda 3 is around $81.
Impact of Multiple Violations:
Traffic violations significantly affect insurance premiums. Drivers with recent at-fault accidents or multiple infractions can expect higher rates. For example, a driver with a recent accident might pay approximately $3,160 annually for a Mazda 3, compared to $1,939 for a driver with a clean record.
Factors Influencing Insurance Rates:
- Driving Record: Multiple violations indicate higher risk, leading to increased premiums.
- Coverage Level: Liability-only coverage is less expensive than full coverage but offers limited protection.
- Location: Insurance rates vary by state and even within regions.
 (FEMALE, SINGLE, 30’s, 80909 COLORADO SPRINGS, CO) |
|---|
| Year/Make Model: 2017 MAZDA 3 SPORT |
| Ownership Status: OWNED |
| Discounts: PAPERLESS, AUTOPAY |
| Selected Coverages with Mendota |
|---|
| Bodily Injury Liability: 25/50 |
| Property Damage Liability: 25K Uninsured Motorist Coverage: REJECTED |
| Comprehensive and Collision: REJECTED |
| Other Rejected Coverages: RENTAL, TOWING |
If you are shopping for a liability only policy for your paid off 2017 Mazda M3 Sport and needed a low cost? Mendota was able to give our client the best rate! If liability only is all you need this can keep your monthly premium cheap even with violations!
Total 6 Month Premium PAY IN FULL: $1,110.58
Monthly Installments: $185.80
Tips to Mitigate Higher Premiums:
- Defensive Driving Courses: Completing approved courses can demonstrate responsible driving behavior and may qualify you for discounts.
- Compare Quotes: Shop around to find insurers that offer competitive rates for drivers with violations.
- Maintain a Clean Record: Avoid further violations to prevent additional premium increases.
- Consider Usage-Based Insurance: Some insurers offer programs that monitor driving habits, potentially leading to discounts for safe driving.
Remember, while liability-only coverage reduces premiums, it provides limited protection. Assess your personal needs and financial situation to determine the appropriate coverage level.
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