How many times have you told yourself it's time to shop around for the cheapest Mazda 3 insurance in Overland Park? Are you burned out from not being able to afford to pay your auto insurance bill each month? You have the same problem as most other consumers in Kansas.

Discount Mazda 3 insuranceUnimaginable but true, most auto insurance buyers kept their coverage with the same auto insurance company for more than four years, and nearly half have never compared auto insurance rates at all. Drivers in Kansas could save about 55% a year by just comparing quotes, but they underestimate the big savings they would realize if they switched.

Consumers have many insurance companies to choose from, and though it is a good thing to have a selection, more choices can make it harder to find the best rates for your vehicles.

When comparison shopping, comparing all the rates in your area helps improve the odds of finding a lower rate than you're paying now.

The following companies provide price comparisons in Kansas. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Mazda 3 Insurance Rates in Overland Park, KS
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $176 $346 $346 $20 $104 $992 $83
3 I SV 4-Dr Sedan $132 $230 $292 $18 $88 $760 $63
3 I Touring 4-Dr Sedan $236 $592 $372 $22 $112 $1,334 $111
3 S Sport 4-Dr Hatchback $154 $276 $286 $16 $86 $818 $68
3 S Sport 4-Dr Sedan $140 $254 $296 $18 $88 $796 $66
3 S Grand Touring 4-Dr Hatchback $240 $540 $324 $20 $96 $1,220 $102
3 S Grand Touring 4-Dr Sedan $318 $524 $376 $22 $112 $1,352 $113
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle garaging location which can alter coverage prices significantly.

Physical damage deductible comparison

The illustration below highlights how deductible choice and can increase or decrease Mazda 3 insurance prices for each different age category. Data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.

Safe drivers Overland Park pay cheaper rates

The information below illustrates how traffic citations and fender-benders raise Mazda 3 insurance rates for different age groups of insureds. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Annual premiums for males compared to females in Overland Park

The illustration below visualizes the comparison of Mazda 3 annual premium costs for male and female drivers. The costs are based on no claims, a clean driving record, full coverage, $250 deductibles, single marital status, and no discounts are applied.

Do you qualify for discounts on Mazda 3 insurance in Overland Park?

Insurance is easily one of your largest bills, but you can get discounts that you may not even be aware of. Some trigger automatically when you complete an application, but occasionally some discounts must be asked about before you get the savings.Discount insurance

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, company stockholders wouldn't be very happy. But all discounts will lower your overall bill.

A few of the larger companies and some of the discounts can be found below.

When comparing rates, check with each insurance company how many discounts you can get. Some discounts might not be offered on policies in your area. If you would like to choose from a list of companies that offer discounts in Overland Park, click here to view.

How Insurers Calculate Mazda 3 Insurance Premiums

Lots of things are part of the equation when you get a price on insurance. Some are obvious such as your driving record, although some other factors are less obvious such as whether you are married or how financially stable you are. The best way to find cheaper auto insurance is to take a look at the different types of things that come into play when calculating your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that could result in cheaper rates.

The factors shown below are some of the items used by your company to calculate your prices.

Comparing prices from local Overland Park insurance agents

Many people prefer to go talk to an agent and that is a smart decision A nice benefit of comparing insurance online is the fact that drivers can get lower prices but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), your insurance coverage information is sent to insurance agents in Overland Park that can give you free Overland Park car insurance quotes for your insurance coverage. You won't need to search for any insurance agencies as quotes are delivered instantly to you. You can find lower rates and work with a local agent. If you wish to compare prices from one company in particular, you would need to visit that company's website and submit a quote form there.

Picking a company shouldn't rely on just a cheap price quote. The following questions are important to ask.

Listed below are Overland Park insurance companies who can help you get price quotes for Mazda 3 insurance in Overland Park.


11009 Metcalf Ave - Overland Park, KS 66210 - (913) 491-4500 - View Map


8832 W 95th St - Overland Park, KS 66212 - (913) 649-9292 - View Map


12651 Hemlock St - Overland Park, KS 66213 - (913) 322-7785 - View Map


7501 College Blvd #115 - Overland Park, KS 66210 - (913) 451-8898 - View Map

More insurance agents

It's not one size fits all

When selecting insurance from an agent or online for your personal vehicles, there really isn't a "best" method to buy coverage. Your financial needs are unique so this has to be addressed.Higher deductibles save money These are some specific questions might help in determining if your situation would benefit from professional advice.

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Tricks in car insurance advertising

State Farm, Allstate and GEICO seem to constantly run television and radio advertisements. They all make the point that drivers can save some big amount if you just switch your coverage to them. How does each company charge you a lower premium? It's all in the wording.

Car insurance companies have specific characteristics for the driver that earns them the highest profit. One example of a driver they prefer should be over the age of 40, has a clean driving record, and has a short commute. Someone that fits those parameters will probably get cheap auto insurance rates and therefore will cut their rates substantially.

People who may not quite match these criteria will probably have to pay higher rates and ends up with business not being written. If you listen closely, the ads state "customers who switch" not "all people who quote" save that much money. This is how companies can truthfully make claims that they all have the best prices. Different companies use different criteria so drivers should get as many free Overland Park car insurance quotes as possible. It is just not possible to predict which car insurance company will have better premium rates than you're paying now.

How much can you save?

The cheapest Mazda 3 insurance in Overland Park is possible on the web in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and these regional insurance providers work with independent insurance agents.

When searching for inexpensive Overland Park car insurance quotes, don't be tempted to buy poor coverage just to save money. In too many instances, an insured cut liability coverage limits only to find out that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

You just learned a lot of ways to compare Mazda 3 insurance premium rates in Overland Park. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from a smaller regional carrier. They may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

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