Would you prefer to buy more competitive Mazda 3 insurance in Houston? Trying to find more affordable Mazda 3 insurance in Houston may be frustrating for drivers who have little experience quoting and comparing prices online. People have so many choices that it can be a real hassle to find cheaper Mazda 3 insurance rates.
Remarkably, a study showed that most insurance customers have stayed with the same insurance company for at least four years, and practically 40% of insurance customers have never even shopped around for cheap coverage. Consumers in Texas could save 70% a year by just comparing rate quotes, but they just don’t want to compare other rate quotes.
If you have coverage now, you will most likely be able to cut your premiums using this strategy. Buying the lowest cost policy in Houston is not as hard as you may think. But Texas consumers do need to know how insurance companies market on the web and use it to find better rates.
Mazda 3 Insurance Rates Can Be Cheaper
Many factors are taken into consideration when premium rates are determined. Some are obvious such as your driving record, although others are not quite as obvious like where you live or how safe your car is. Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that may reward you with big savings.
The factors shown below are most of the major factors used by companies to determine rates.
Discounts for married drivers – Your spouse may save some money when shopping for car insurance. It generally demonstrates drivers are more mature and responsible and statistics prove being married results in fewer claims.
Cheaper to insure females? – The statistics show that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. They both get in accidents at about the same rate, but the male of the species cause more damage. In addition to higher claims, males also receive more major tickets like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high car insurance rates.
Pay more of a claim out-of-pocket – Physical damage protection, aka comp and collision, covers your vehicle from damage. Some coverage claims would be a broken windshield, damage from fire, and rolling your vehicle. Your deductibles represent how much money you are required to spend in the event of a claim. The more money the insured has to pay upfront, the less your car insurance will be.
Liability coverage risk factors in – The liability section of your policy will afford coverage if ever you are found to be at fault for damages caused by your negligence. This coverage provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Mazda 3 insurance loss statistics – Insurers use statistical claims data to help calculate premium costs. Vehicles that the data shows to have a trend towards higher claim severity or frequency will cost more to insure.
The table below outlines the actual insurance loss data for Mazda 3 vehicles. For each coverage type, the claim amount for all vehicles, as a total average, equals 100. Values under 100 represent a good loss history, while percentages above 100 point to more frequent losses or a tendency for claims to be larger.
Insurance Loss Ratings for Mazda 3 Vehicles
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Mazda 3 | 99 | 104 | 96 | 106 | 110 | 103 |
| Mazda 3 Hatchback | 91 | 80 | 96 | 81 | 73 | 86 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The easiest way to compare rates for Mazda 3 insurance in Houston is to know the trick most of the larger companies actually pay money for the chance to provide you with a free rate quote. To start a quote, the only thing you need to do is give them rating details such as whether you are married, any included safety features, how old drivers are, and if you are currently licensed. That rating information gets sent immediately to multiple companies and you receive quotes quickly.
To check rates for your Mazda 3 now, click here and enter the information requested.
The following companies offer price comparisons in Houston, TX. If several companies are displayed, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $326 | $610 | $514 | $30 | $154 | $1,634 | $136 |
| 3 I SV 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| 3 I Touring 4-Dr Sedan | $254 | $572 | $400 | $24 | $120 | $1,370 | $114 |
| 3 S Sport 4-Dr Hatchback | $422 | $698 | $500 | $30 | $150 | $1,800 | $150 |
| 3 S Sport 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 3 S Grand Touring 4-Dr Hatchback | $208 | $392 | $358 | $22 | $108 | $1,088 | $91 |
| 3 S Grand Touring 4-Dr Sedan | $228 | $452 | $514 | $30 | $154 | $1,378 | $115 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in Houston location which can influence rates significantly.
How careless driving impacts auto insurance rates
The information below illustrates how traffic citations and at-fault claims can increase Mazda 3 yearly insurance costs for different age categories. The information is based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
Why insurance is not optional
Even though it can be expensive, insurance is required for several reasons.
- Almost all states have minimum liability requirements which means you are required to buy a specific level of liability insurance coverage in order to drive the car. 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 your vehicle has a loan, most lenders will have a requirement that you have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank may insure your Mazda for a lot more money and make you pay for the much more expensive policy.
- Insurance protects not only your Mazda but also your financial assets. It will also provide coverage for medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If your Mazda gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of insuring your car more than cancel out the cost, especially for larger claims. According to a 2015 survey, the average American driver overpays more than $855 a year so shop around at every policy renewal to be sure current rates are still competitive.
Do you qualify for discounts on Mazda 3 insurance in Houston?
Auto insurance is not inexpensive, but there’s a good chance there are discounts that you may not even know about. Some trigger automatically at the time of purchase, but some may not be applied and must be specifically requested before you will receive the discount.
- Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies permit an accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
- Passenger Safety Discount – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
- Defensive Driver – Completing a course teaching driver safety skills could cut 5% off your bill if your company offers it.
- Theft Prevention Discount – Cars with anti-theft systems are stolen less frequently and can earn a small discount on your policy.
- Military Rewards – Having a family member in the military could trigger a small discount.
- Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on your bill.
- Early Renewal Discounts – Some insurance companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.
Some of the insurance companies that may offer many of the previously listed discounts include:
Check with each company or agent what discounts are available to you. A few discounts might not apply in your area. If you would like to choose from a list of auto insurance companies that offer discounts in Texas, click this link.
Do I need a local insurance agent?
Some people would prefer to get professional advice from a licensed agent and that is not a bad decision One of the best bonuses of getting online price quotes is that you can find the best rates and still buy from a local agent. And supporting local insurance agents is still important in Houston.
For easy comparison, once you complete this form (opens in new window), the coverage information is immediately sent to companies in Houston that can give you free Houston car insurance quotes for your insurance coverage. You never need to contact an agency since price quotes are sent to you directly. You can most likely find cheaper rates without requiring a lot of work. If you need to compare prices from a specific insurance provider, feel free to search and find their rate quote page and complete a quote there.
If you need to find a reputable insurance agent or broker, there are a couple of types of insurance agents and how they can service your needs differently. Agencies in Houston are categorized either independent or exclusive depending on the company they work for.
Independent Insurance Agencies or Brokers
Agents in the independent channel are not employed by one company and that is an advantage because they can write policies through many different insurance companies and get the cheapest rates. To transfer your coverage to a different company, the business is moved internally and the insured can keep the same agent.
When comparing rate quotes, we highly recommend that you get some free quotes from several independent agencies to maximize your price options. A lot of them also have access to smaller regional carriers that may have much lower rates than larger companies.
Below is a small list of independent insurance agents in Houston that may be able to give you price quotes.
- Duckworth Insurance Agency
3824 Broadway St – Houston, TX 77017 – (713) 645-1500 – View Map - El Dorado Insurance Agency, Inc
3673 Westcenter Dr – Houston, TX 77042 – (800) 221-3386 – View Map - Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive have only one company to place business with like Farmers Insurance, Allstate, or State Farm. These agents are unable to give you multiple price quotes so they really need to provide good service. They are usually quite knowledgeable on what they offer which helps them compete with independent agents. Some insured continue to buy from the same agent for years mainly due to the brand rather than low rates.
Below are exclusive agencies in Houston that can give you comparison quotes.
- State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map - Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map - Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 – View Map
Choosing a auto insurance agent requires more thought than just a cheap price. Here are some questions you should ask.
- If you are a high risk driver, do they have special markets for your coverage?
- Do they offer rental car reimbursement?
- Are you getting all the discounts the company offers?
- Where are claims handled?
- Do they receive special compensation for putting your coverage with one company over another?
After you get positive responses for all questions you ask and a low price estimate, chances are good that you have found an auto insurance agent that is reliable enough to properly insure your vehicles. Keep in mind you have the power to cancel your policy whenever you wish so don’t think that you are obligated to a policy for the full term.
How to know if you need help
When quoting and choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.
For instance, these questions might help in determining if you would benefit from an agent’s advice.
- When should I drop full coverage on my Mazda 3?
- What is PIP insurance?
- Do I get a pro-rated refund if I cancel my policy early?
- Does liability extend to a camper or trailer?
- Am I covered if I hit my neighbor’s mailbox?
- If I drive on a suspended license am I covered?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
More effort can pay off
Some car insurance companies may not provide online price quotes and many times these small, regional companies provide coverage only through local independent agencies. More affordable car insurance in Houston is definitely available from both online companies and with local Houston insurance agents, and you should be comparing both to have the best selection.
When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. In many cases, an insured dropped collision coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at an affordable rate.
Throughout this article, we presented many ways to compare Mazda 3 insurance auto insurance rates in Houston. The most important thing to understand is the more companies you get premium rates for, the higher the chance of saving money. You may even be surprised to find that the lowest auto insurance rates are with a smaller regional carrier.
Additional detailed information can be found by following these links: