The laws of each state require drivers to carry a minimum amount of liability insurance, and these requirements apply to the Mazda3. While you face a minimum amount of coverage you have to carry, you do have the option to purchase more than the minimum. More robust policies could provide you with additional protection if you are in an accident.
The type of policy you buy is only one of the factors that will determine what your policy will cost. The other factors that might impact your premiums can also vary.
There is no question that full coverage provides you with the strongest protection in the event of a motor vehicle accident. When you buy full coverage car insurance, you get financial protection not only for your own losses but also for any damage you cause to other motorists.
Your full coverage policy includes collision insurance. This type of insurance pays for your damages resulting from a collision, no matter who is at fault. You also get comprehensive coverage that pays for your losses when damage results from something other than a collision, like vandalism or a hail storm.
Finally, your full coverage policy includes liability coverage. Liability insurance coverage protects you from third-party claims in cases where you are responsible for the accident. This means you won’t have to pay as much out of your own pocket if you cause damage to another driver in a crash.
State Minimum Liability
Every state requires a minimum level of liability insurance coverage. While full coverage policies meet this requirement, many drivers choose a policy that only includes liability coverage. This is usually because the monthly premium for this type of policy is much lower.
You might pay less upfront, but you could be on the hook for your own losses if you are in an accident without full coverage. This includes the cost of your medical care or the damage your vehicle sustains.