No car owner likes paying for auto insurance, particularly when they could find lower prices if they just compared rates.
It’s shocking but the vast majority of drivers have purchased from the same company for more than four years, and just under half have never quoted auto insurance rates at all. With the average auto insurance premium being $1,847, American drivers can save hundreds of dollars each year just by comparing rates, but they don’t invest the time required to do a rate comparison.
Popular companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with ads and it is difficult to ignore the promise of big savings and find the best price available.
You should take the time to compare rates occasionally because prices fluctuate regularly. If you had the lowest price on Mazda 5 insurance in Houston at your last renewal you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re going to get a crash course in how to quote online to properly buy coverages and cut your premium.
If you already have coverage, you will definitely be able to shop for the lowest rates using the concepts covered in this article. Locating the most cost-effective car insurance policy in Houston is actually not that difficult if you follow our advice. But Texas vehicle owners do need to learn how the larger insurance companies calculate your policy premium.
Cheaper rates on Mazda 5 insurance in Houston with these ten car insurance discounts
Some insurance providers don’t always advertise every policy discount very well, so we researched both well-publicized in addition to some of the lesser obvious ways to save on car insurance. If you do not check that you are getting every discount available, you’re paying more than you need to.
- Life Insurance Discount – Select companies reward you with a discounted rate on car insurance if you buy some life insurance too.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts as much as 30%.
- Government Employees – Simply working for the federal government can earn a discount up to 10% with select insurance companies.
- Claim-Free Discount – Good drivers with no accidents have much lower rates as opposed to policyholders that have many claims.
- Own a Home and Save – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
- Senior Citizen Rates – Drivers that qualify as senior citizens could receive a discount up to 10%.
- Drivers Ed for Students – Teen drivers should successfully take a driver’s education course if it’s offered in school.
- Bundle and Save – When you combine your home and auto insurance with the same company you could save approximately 10% to 15%.
- Waiver for an Accident – This isn’t a discount exactly, but a handful of insurance companies allow you one accident without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
Discounts save money, but please remember that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way.
Auto insurance companies who may offer most of the discounts above may include but are not limited to:
Double check with all companies you are considering which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in Houston.
How to compare free Houston Mazda 5 insurance price quotes
The majority of larger companies like Allstate, GEICO and Progressive make it easy to get insurance quotes directly from their websites. Doing online price comparisons for Mazda 5 insurance in Houston is fairly straightforward because you just enter your coverage information on the page. When complete, their rating system gets your driving record and credit report and quotes a price determined by many factors. Using the web to get rate quotes for Mazda 5 insurance in Houston streamlines rate comparisons, and it is imperative to get many rate quotes if you want to get lower-cost rates.
To find out if lower rates are available, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you replicate coverages and limits as shown on your current policy. This helps ensure you will get a fair comparison based on identical coverages.
The companies shown below have been selected to offer free rate quotes in Texas. If multiple companies are shown, we suggest you compare several of them to get the cheapest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|5 Sport Station Wagon||$274||$550||$422||$24||$126||$1,396||$116|
|5 Touring Station Wagon||$336||$496||$424||$26||$128||$1,410||$118|
|5 Grand Touring Station Wagon||$156||$322||$366||$22||$110||$976||$81|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in specific location which can modify auto insurance rates noticeably.
Mazda 5 insurance premiums by gender in Houston
The information below compares Mazda 5 insurance rates for male and female drivers. The premiums are based on no claims or violations, full coverage, $250 deductibles, drivers are single, and no discounts are applied.
Insurance can get complicated
Keep in mind that when it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your insurance should unique, too.
For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.
- Do I have coverage when using my vehicle for my home business?
- What is the premium to book value ratio for dropping full coverage?
- Am I covered if I break a side mirror?
- When would I need additional glass coverage?
- When should I drop full coverage on my Mazda 5?
- When can I cancel my policy?
- Should I file a claim if it’s only slightly more than my deductible?
- Why am I required to buy high-risk coverage?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Buying auto insurance from Houston insurance agencies
Some consumers would rather get advice from a local agent and often times that is recommended An additional benefit of price shopping on the web is you may find cheaper rates and still buy from a local agent. Putting coverage with local insurance agents is especially important in Houston.
To help locate an agent, after submitting this form (opens in new window), the coverage information is instantly submitted to insurance agents in Houston that can give you free Houston car insurance quotes to get your business. You won’t need to leave your house since price quotes are sent to your email. You can find the lowest rates AND an agent nearby. If you want to compare rates from one company in particular, feel free to jump over to their website and give them your coverage information.
If you prefer to buy auto insurance from a reliable insurance agency, you must know there are a couple different types of agencies and how they are slightly different. Auto insurance agents in Houston can either be independent or exclusive depending on the company they work for.
Independent Auto Insurance Agencies
Independent agencies are appointed with more than one company so they can write business with lots of companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.
If you need cheaper auto insurance rates, we recommend you include rate quotes from several independent agencies for the best price selection.
Featured below are independent insurance agents in Houston that may be able to give you price quote information.
Exclusive Insurance Agencies
Exclusive insurance agents can only provide one company’s prices such as State Farm or Allstate. Exclusive agencies are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive agents are well schooled in insurance sales which helps them sell on service rather than price.
Below are Houston exclusive insurance agents that can give you price quote information.
Selecting an auto insurance agent needs to be determined by more than just a low price. These are valid questions to ask:
- Will the agent or a CSR service your policy?
- Will they give you a referral list?
- Are they able to influence company decisions when a claim is filed?
- Can glass claims be handled at your home?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is insurance their full-time profession?
- Do they reduce claim amounts on high mileage vehicles?
Coverages available on your policy
Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.
Uninsured and underinsured coverage
This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Mazda 5.
Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25 in Texas), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance kick in for expenses for funeral costs, nursing services, X-ray expenses and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 30/60/25 which stand for $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things such as repair costs for stationary objects, medical services, medical expenses and emergency aid. How much coverage you buy is your choice, but buy higher limits if possible. Texas requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, hail damage, fire damage, falling objects and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
This coverage will pay to fix damage to your 5 from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your 5 to get cheaper collision coverage.
A little work can save a LOT of money
We just showed you some good ideas how you can reduce Mazda 5 insurance premium rates online in Houston. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the best premium rates are with a smaller regional carrier. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.
As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. The goal is to buy enough coverage at an affordable rate.
To read more, take a look at the resources below:
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Tacoma in Houston? (FAQ)
- Who Has Cheap Car Insurance Rates for a Toyota Corolla in Houston? (FAQ)
- What Car Insurance is Cheapest for a GMC Sierra in Houston? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)