How long has it been since the last time you looked for more competitive Mazda CX-5 insurance in Houston? Searching for low-cost insurance for a Mazda CX-5 in Texas can normally be a lot of work, but you can learn these tips to make it easier.
There are more efficient ways to buy auto insurance so we’re going to tell you the best way to compare rates for a Mazda and get the cheapest rates from both online companies and Houston agents.
A recent survey discovered that most auto insurance customers kept their coverage with the same auto insurance company for four years or more, and approximately 38% of consumers have never shopped around. With the average premium in Texas being $2,679, drivers could save $1,766 every year just by comparing rates, but they won’t spend time to go online and compare rates.
If you have coverage now or just want a better rate, take advantage of these tips to get lower rates and possibly find even better coverage. Quoting and comparing rates for more affordable car insurance in Houston is actually quite simple. You just have to understand how to compare insurance rates online from multiple companies.
Lowering your Mazda CX-5 auto insurance rates is surprisingly easy. The only thing you need to do is spend a few minutes on the computer comparing free Houston auto insurance quotes to see which company has the cheapest Mazda CX-5 rate quotes.
The companies shown below have been selected to offer quotes in Texas. If multiple providers are shown, we recommend you click on several of them to get the best price comparison.
Why you need to buy car insurance
Despite the high cost, insuring your vehicle is most likely required but also gives you several important benefits.
- The majority of states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Mazda CX-5, it’s most likely the lender will require you to have physical damage coverage to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the bank may buy a policy for your Mazda at a significantly higher premium and require you to fork over for the much more expensive policy.
- Insurance protects not only your car but also your assets. It will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the repair costs.
The benefits of insuring your CX-5 outweigh the cost, especially when you need to use it. An average driver in America is wasting up to $750 every year so you should quote your policy with other companies at every renewal to help ensure money is not being wasted.
Discounts can help lower rates on Mazda CX-5 insurance in Houston
Car insurance can cost a lot, but you may find discounts that may help make it more affordable. Certain credits will be shown when you quote, but some must be specially asked for in order for you to get them.
- Memberships – Being in a professional or civic organization can get you a small discount on your next auto insurance statement.
- Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on the same auto insurance policy qualifies for this discount.
- Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction with some auto insurance companies.
- Sign Online – Some of the larger companies provide a small discount for completing your application on the web.
- Homeowners Savings – Simply owning a home may earn you a small savings due to the fact that maintaining a home means you have a higher level of financial diligence.
- Good Student – Being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Early Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
- Onboard Data Collection – Houston drivers who agree to allow their insurance company to scrutinize driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
- Low Mileage Discounts – Keeping the miles down on your Mazda may enable drivers to earn lower premium rates due to less chance of an accident.
Please keep in mind that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any qualifying discounts will positively reduce your policy premiums.
Large auto insurance companies and a partial list of their discounts are included below.
- State Farm offers discounts for accident-free, safe vehicle, passive restraint, defensive driving training, Steer Clear safe driver discount, driver’s education, and multiple autos.
- GEICO has savings for air bags, federal employee, membership and employees, daytime running lights, anti-theft, emergency military deployment, and good student.
- Liberty Mutual may include discounts for new vehicle discount, new move discount, preferred payment discount, new graduate, and newly married.
- The Hartford discounts include air bag, defensive driver, bundle, good student, and anti-theft.
- MetLife offers discounts including claim-free, good student, defensive driver, good driver, and multi-policy.
- Progressive offers premium reductions for homeowner, online signing, multi-policy, continuous coverage, online quote discount, and good student.
Before buying, ask each company the best way to save money. Some of the discounts discussed earlier might not be offered in Houston.
Shop online but buy locally
Certain consumers still like to have an agent’s advice and that is a personal choice. Licensed agents are highly skilled in risk management and help file insurance claims. An additional benefit of price shopping on the web is that you can obtain cheap rate quotes and still buy from a local agent. Buying insurance from small agencies is important especially in Houston.
To help locate an agent, after submitting this short form, your coverage information is immediately sent to companies in Houston that can give you free Houston auto insurance quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies since rate quotes are delivered directly to you. If you have a need to compare rates from a specific company, you just need to navigate to their website to submit a rate quote request.
Choose an insurance agent wisely
If you want to use a reputable agency, it’s important to understand the types of insurance agents and how they work. Insurance agencies in Houston can be described as either exclusive or independent (non-exclusive). Either type can sell affordable car insurance policies, but it’s worth learning the differences because it may have an impact on the kind of agent you use.
Independent Car Insurance Agencies
Agents of this type can quote rates with many companies and that enables them to quote your coverage with a variety of different insurance companies and get the cheapest rates. If premiums increase, the agent simply finds a different carrier and you don’t have to do anything.
If you need lower rates, we highly recommend that you get rate quotes from a couple of independent agencies in order to compare the most rates. They also have the ability to place coverage with smaller mutual companies which could offer lower prices.
Featured below is a list of independent insurance agents in Houston that can possibly get you free price quotes.
- Ken W Taylor Insurance Agency
9405 Huffmeister Rd #110 – Houston, TX 77095 – (281) 345-2580 – View Map
- Duckworth Insurance Agency
3824 Broadway St – Houston, TX 77017 – (713) 645-1500 – View Map
- Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map
Exclusive agents can only quote rates from one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive insurance agents are well trained on their company’s products which helps offset the inability to provide other markets. Some consumers prefer to buy from exclusive agents primarily because of the brand legacy and strong financial ratings.
Shown below is a list of exclusive agencies in Houston that can give you price quote information.
- Ben Speer – State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 – Houston, TX 77058 – (281) 204-8282 – View Map
- Armando Valdez – State Farm Insurance Agent
12941 North Fwy #608 – Houston, TX 77060 – (281) 537-7890 – View Map
- Allstate Insurance: Harris County Insurance Agency
13030 Woodforest Blvd b – Houston, TX 77015 – (713) 451-5716 – View Map
Choosing a insurance agency requires more thought than just the quoted price. Here are some questions you should ask.
- Is there any savings for paying the full premium?
- Do the agents have professional certifications like CPCU or CIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Does the agency have a current Errors and Omissions policy?
- How much training do they have in personal risk management?
- What insurance companies do they recommend if they are an independent agent?
- Which members of your family are coverage by the policy?
- How long has their agency been in business in Houston?
There’s no such thing as the perfect auto insurance policy
When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.
- Am I covered when using my vehicle for business?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What is motorclub and do I need it?
- Do all my vehicles need collision coverage?
- Should I rate my Mazda CX-5 as pleasure use or commute?
- Should I waive the damage coverage when renting a car?
- Am I missing any policy discounts?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
You can find cheap coverage
While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In too many instances, someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.
Some insurance companies do not provide rate quotes online and these small insurance companies prefer to sell through independent agents. Cheaper insurance in Houston can be sourced online in addition to many Houston insurance agents, and you should be comparing both to have the best selection.
Drivers who switch companies do it for many reasons like delays in paying claims, high prices, high rates after DUI convictions and even unfair underwriting practices. No matter why you want to switch, finding the right insurance provider is easier than you think.
Much more information about insurance in Texas can be read at the links below
- Determing Auto Insurance Rates (GEICO)
- Who Has the Cheapest Car Insurance for Used Cars in Houston? (FAQ)
- What Car Insurance is Cheapest for Felons in Houston? (FAQ)
- What Car Insurance is Cheapest for Low Credit Scores in Houston? (FAQ)
- Booster Seat Ratings (iihs.org)
- Avoiding Deer Collisions (Insurance Information Institute)
- What is Full Coverage? (Allstate)
- Tread Depth and Tire Safety (State Farm)