1st of all, what car were you initially from? I presume you test driven the high spec version??
You feel bumpy because of the suspension tuning. Usually, good handling cars will have firmer suspension. But, it really isn't that bad, or that you really prefer really damped suspension cars like those from toyota camry.
Your view on insulation is partially right. Those considering mazda cars will need to understand a little bit about their brand philosophy. It is not that mazda is cutting corners and lazy but Mazda engineers cars so that driver and car are one, meaning that the driver will be very engaged and connected to the cars. So you feel the road surface on the pedals, you hear the sound of the road surface, the body both light and rigid for on road agility, the suspension tune for balance and stability at speed. When you try a hard corner on a mazda, you'll get to understand this compared to other makes. But still, your preference apply.
But since quite a lot of feedbacks regarding the NVH, mazda engineers did start to dial in more refinement for 2nd generation skyactiv range starting with the 2nd generation cx5. 1st generation facelifts also have some little bits here and there to improve situation a little. After all, more buyers are getting spoiled
Around there...unless you really manage to find an insurance company that can really go lower. For myself personally, i just go with berjaya sompo for the time being, as i still can't find quotes that are better than them. Some quoted almost doubled what berjaya sompo charged.
Haha, you are right.. driving a toyota right now..ah so the model for mazda 3 high spec will also have better NVH?
As for insurance, thinking whether should I compromise on the windscreen (additional RM350) and also the special perils, basically act of gods (additional RM600)