It's an obvious conclusion that auto insurance companies want to keep you from comparing rates. Consumers who perform rate comparisons are likely to switch to a new company because they have a good chance of finding better rates. A study showed that people who did price comparisons regularly saved approximately $865 a year compared to other drivers who never shopped around for lower prices.
If finding budget-friendly Mazda 3 insurance is your objective, then having an understanding of how to shop and compare coverages can save time, money, and frustration.
If you want to find the absolute lowest rates, then the best way to find low-cost prices for Mazda 3 insurance in El Paso is to start comparing prices yearly from insurers in Texas. This can be done by following these steps.
- Step 1: Read about what coverages are included in your policy and the things you can change to prevent rate increases. Many rating criteria that cause high rates such as tickets, at-fault accidents, and a poor credit score can be amended by making lifestyle changes or driving safer.
- Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from many different companies. Start a quote
- Step 3: Compare the new quotes to your existing policy and determine if cheaper 3 coverage is available in El Paso. If you can save money and make a switch, make sure there is no coverage gap between policies.
An essential thing to point out is to try to use the same level of coverage on each quote and and to analyze as many car insurance companies as possible. This enables a level playing field and a complete price analysis.
Finding the cheapest car insurance coverage in El Paso is not that difficult as long as you know where to start. If you have a current car insurance policy, you will surely be able to get lower rates using the ideas presented in this article. Although Texas drivers do need to learn the way companies market insurance on the web and take advantage of how the system works.
How to buy El Paso Mazda 3 insurance online
To find low cost El Paso auto insurance quotes, there are several ways to compare prices from many insurance companies in Texas. The easiest way to compare Mazda 3 insurance prices consists of shopping online.
Keep in mind that quoting more provides better odds of finding more affordable rates. Not every company does El Paso 3 insurance quotes online, so it's necessary to compare prices from those companies as well.
The companies shown below are our best choices to provide free rate quotes in Texas. If multiple providers are shown, we suggest you visit as many as you can to get a more complete price comparison.
Premium rates and analysis
The rate information displayed next highlights different coverage costs for Mazda 3 models. Having a better understanding of how insurance policy rates are figured is important for making smart choices when purchasing an auto insurance policy.
| 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 | $326 | $610 | $514 | $30 | $154 | $1,634 | $136 |
| 3 I Touring 4-Dr Sedan | $326 | $720 | $514 | $30 | $154 | $1,744 | $145 |
| 3 S Sport 4-Dr Hatchback | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| 3 S Sport 4-Dr Sedan | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| 3 S Grand Touring 4-Dr Hatchback | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| 3 S Grand Touring 4-Dr Sedan | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can modify auto insurance rates greatly.
Choosing deductibles
When buying auto insurance, a common question is at what level do you set your deductibles. The rates shown below sum up the cost difference when you buy lower versus higher policy deductibles. The first table uses a $100 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| 3 I SV 4-Dr Sedan | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| 3 I Touring 4-Dr Sedan | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| 3 S Sport 4-Dr Hatchback | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 3 S Sport 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 3 S Grand Touring 4-Dr Hatchback | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| 3 S Grand Touring 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| 3 I SV 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| 3 I Touring 4-Dr Sedan | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| 3 S Sport 4-Dr Hatchback | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 3 S Sport 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 3 S Grand Touring 4-Dr Hatchback | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 3 S Grand Touring 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in garaging location in El Paso which can affect insurance rates noticeably.
Based on these figures, using a $100 deductible will cost in the ballpark of $41 more each month or $492 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 22 months between claims, you would come out ahead if you choose the higher deductible. Here's a better example of how you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $130 |
| Average monthly premium for $1,000 deductibles (subtract): | - $89 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($1,000 - $100): | $900 |
| Divide difference by monthly savings: | $900 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
An important thing to remember is that a higher deductible means you will have to pay more out-of-pocket at claim time. It will be required that you have some funds available in the event you have to pay the deductible for vehicle repair.
Comparison of auto insurance rates by gender and age
The information below visualizes the comparison of Mazda 3 premium costs for male and female drivers. The price estimates are based on no claims or violations, full coverage, $100 deductibles, single status, and no additional discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below illustrates the comparison of Mazda 3 car insurance costs with full coverage and liability only. The prices are based on no accidents or driving violations, $100 deductibles, single status, and no policy discounts are applied.
When to drop comprehensive and collision
There is no exact rule of when to phase out comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let's pretend your Mazda 3 replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $8,000 after you pay the deductible. If you are currently paying more than $800 annually for full coverage, then you might want to think about dropping full coverage.
There are a few cases where dropping full coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage.
Cheap Mazda 3 insurance in El Paso
Car insurance is not cheap, but there could be significant discounts to cut the cost considerably. Some of these discounts will be visible when you get a quote, but some discounts are required to be inquired about before you get the savings.
- Discount for Passive Restraints - Factory options such as air bags or motorized seat belts can qualify for discounts of 20% or more.
- Anti-theft Discount - Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more on 3 insurance in El Paso.
- Driver's Ed - Require your teen driver to successfully take a driver's education course as it will make them better drivers and lower rates.
- Discount for Multiple Policies - If you can combine your auto and homeowners policy with one insurance company you may save up to 20% and get you inexpensive Mazda 3 insurance in El Paso.
- Auto/Life Discount - Some auto insurance companies give a small discount if you purchase life insurance.
- Save over 55 - Drivers over the age of 55 can possibly qualify for reduced rates.
- Low Miles Discount - Maintaining low annual mileage may enable drivers to earn better auto insurance rates on cars that stay parked.
- Active Service Discounts - Being on active duty in the military may lower your prices slightly.
Just know that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, insurance companies wouldn't stay in business.
The chart below illustrates the comparison of Mazda 3 auto insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, safe-driver, multi-policy, and marriage discounts applied.
Some companies that may offer quotes with these benefits include:
Double check with each company which discounts you may be entitled to. All car insurance discounts might not be offered in every state. If you would like to see a list of companies that offer multiple discounts in El Paso, click this link.
Car insurance is not optional but you don't have to overpay
Despite the fact that car insurance is not cheap in El Paso, car insurance may be mandatory for several reasons.
First, just about all states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability if you drive a 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.
Second, if you took out a loan on your Mazda 3, almost every bank will stipulate that you have insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may have to buy a policy to insure your Mazda for a lot more money and require you to fork over much more than you were paying before.
Third, insurance protects your vehicle and your assets. It also can pay for all forms of medical expenses that are the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if you cause an accident and are sued. If mother nature or an accident damages your car, your policy will pay to have it repaired.
The benefits of insuring your 3 outweigh the cost, particularly if you ever have a claim. The average driver in Texas is wasting up to $850 per year so compare rate quotes each time the policy renews to ensure rates are inline.
Best car insurance company in Texas
Insuring your vehicle with a high-quality car insurance company can be rather challenging considering how many companies there are to choose from in Texas. The information in the lists below may help you analyze which auto insurers you want to consider purchasing coverage from.
Top 10 El Paso Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Independent and exclusive car insurance agents
A lot of people just want to talk to an insurance agent and that is just fine! A good thing about comparing rate quotes online is the fact that drivers can get the lowest rates but also keep your business local.
Once you complete this quick form, the quote information gets sent to local insurance agents in El Paso that give free quotes for your insurance coverage. It makes it easy because there is no need to contact an agency due to the fact that quote results will go directly to your email. You can find lower rates without requiring a lot of work. If you need to get a comparison quote from a specific company, you just need to search and find their rate quote page and fill out their quote form.
Finding the right insurance company needs to be determined by more than just a cheap price quote. Any agent in El Paso should have no problem answering these questions:
- In the event of vehicle damage, can you pick the collision repair facility?
- Is the agency involved in supporting local community causes?
- How many years of experience in personal auto insurance do they have?
- Do you work with a CSR or direct with the agent?
- Do they specialize in personal lines coverage in El Paso?
- Is the agency covered by Errors and Omissions coverage?
- Do the companies they represent have a solid financial rating?
- Is the agent properly licensed in Texas?
Choose the right auto insurance agent
If you're trying to find a reputable insurance agent or broker, it helps to know the two different agency structures and how they are distinctly different. El Paso agents are categorized either independent agents or exclusive agents.
Exclusive Agents
Agents in the exclusive channel can only write with one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to compare other company's rates so keep that in mind. Exclusive agents are very knowledgeable on sales techniques which helps offset the inability to provide other markets. Consumers sometimes choose to use a exclusive agent mainly due to the brand legacy instead of buying on price only.
The following is a list of exclusive insurance agencies in El Paso who may provide you with comparison quotes.
- David Rivas - State Farm Insurance Agent
4309 Fred Wilson Ave a - El Paso, TX 79904 - (915) 313-4070 - View Map - GEICO Insurance Agent
6600 Montana Ave j - El Paso, TX 79925 - (915) 779-2489 - View Map - Crystal Martinez - State Farm Insurance Agent
12295 Pellicano Dr #2 - El Paso, TX 79936 - (915) 855-8555 - View Map
Independent Agencies or Brokers
These type of agents are not locked into one company and that enables them to quote your coverage with multiple insurance companies and find you cheaper rates. If your agent finds better pricing, the business is moved internally and you won't have to switch agencies.
When comparing auto insurance prices, you absolutely need to compare prices from at least one independent agent to maximize your price options. Many write coverage with mutual insurance companies which may have better rates.
Below is a list of independent agencies in El Paso that are able to give comparison quotes.
- Mount Franklin Insurance Agency
2931 George Dieter Dr - El Paso, TX 79936 - (915) 599-2900 - View Map - Desert West Insurance Agency, Inc.
7500 Viscount Blvd #101 - El Paso, TX 79925 - (915) 751-6060 - View Map - Desert West Insurance: Lavelle Michael
7500 Viscount Suite 101 - El Paso, TX 79925 - (830) 534-9623 - View Map