Want to learn how to find the cheapest car insurance rates in Austin, TX? Austin buyers have lots of choices when searching for the lowest priced Mazda 3 insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to get rate quotes.
There are both good and bad ways to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for a Mazda and locate the lowest price either online or from Austin insurance agents.
A recent car insurance study discovered that nearly 70% of customers have bought car insurance from the same company for four years or more, and nearly 40% of drivers have never shopped around. The average driver in Texas could save up to $1,766 a year by just comparing rate quotes, but most tend to underestimate how much savings they would realize if they changed companies.
Low cost Mazda 3 insurance prices in Austin, TX
The providers in the list below offer free rate quotes in Texas. If multiple providers are shown, we suggest you visit two to three different companies to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $256 | $504 | $366 | $22 | $110 | $1,258 | $105 |
| 3 I SV 4-Dr Sedan | $208 | $312 | $500 | $30 | $150 | $1,200 | $100 |
| 3 I Touring 4-Dr Sedan | $156 | $378 | $430 | $26 | $128 | $1,118 | $93 |
| 3 S Sport 4-Dr Hatchback | $286 | $572 | $430 | $26 | $128 | $1,442 | $120 |
| 3 S Sport 4-Dr Sedan | $322 | $572 | $388 | $24 | $116 | $1,422 | $119 |
| 3 S Grand Touring 4-Dr Hatchback | $232 | $462 | $430 | $26 | $128 | $1,278 | $107 |
| 3 S Grand Touring 4-Dr Sedan | $284 | $580 | $358 | $22 | $108 | $1,352 | $113 |
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can decrease or increase coverage prices greatly.
Comparison of policy deductibles
The information below illustrates how your deductible choice and can affect Mazda 3 insurance premiums for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
Full coverage rates compared to liability-only
The diagram below illustrates the comparison of Mazda 3 premium costs with and without physical damage coverage. Data assumes no violations or claims, $1,000 deductibles, married male driver, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no exact rule of when to phase out physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s pretend your Mazda 3 settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after the policy deductible has been paid. If you are paying over $400 a year for physical damage coverage, then it could be time to drop full coverage.
There are some circumstances where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Auto insurance rates are higher with tickets and accidents
The chart below demonstrates how speeding tickets and at-fault claims drive up Mazda 3 insurance costs for each different age group. The premiums are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Do you qualify for discounts?
Some companies don’t always publicize every discount available in an easy-to-find place, so below is a list some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates.
- Life Insurance – Some companies give a lower auto insurance rate if you buy a life insurance policy as well.
- Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.
- Drive Less and Save – Maintaining low annual mileage could qualify for slightly better premium rates than normal.
- Renewal Discounts – Some larger companies reward drivers for switching to them prior to the expiration date on your current 3 insurance policy. You could save around 10% when you buy Austin car insurance online.
- Military Deployment Discount – Being on active duty in the military could qualify you for better prices.
- Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
- Professional Memberships – Being in certain professional organizations may earn a discount when shopping for auto insurance.
- Telematics Discount – Insureds that choose to allow their company to look at driving manner by using a telematics device in their vehicle such as State Farm’s In-Drive might get better premium rates as long as they are good drivers.
- Own a Home and Save – Just being a homeowner may earn you a small savings since owning and maintaining a home demonstrates responsibility.
Remember that some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will cut the premium cost.
The best auto insurance companies and their offered discounts are included below.
- GEICO offers premium reductions for federal employee, military active duty, good student, driver training, air bags, anti-lock brakes, and defensive driver.
- MetLife includes discounts for claim-free, defensive driver, good student, multi-policy, accident-free, and good driver.
- State Farm offers discounts for good student, good driver, anti-theft, driver’s education, safe vehicle, and multiple policy.
- Progressive discounts include continuous coverage, online signing, good student, online quote discount, and multi-vehicle.
- Mercury Insurance policyholders can earn discounts including professional/association, location of vehicle, age of vehicle, multi-car, and good driver.
- 21st Century may have discounts that include defensive driver, theft prevention, anti-lock brakes, 55 and older, early bird, and driver training.
- Allstate may offer discounts for multi-policy, good student, safe driver, defensive driver, senior citizen, and new car.
If you need lower rates, check with each company or agent the best way to save money. Savings might not be offered on policies in your area.
Choosing 3 insurance is an important decision
Even though it’s not necessarily cheap to insure a Mazda in Austin, insurance may be mandatory for several reasons.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability 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 you took out a loan on your vehicle, more than likely the lender will require you to have physical damage coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Mazda for a much higher rate and require you to fork over the higher price.
- Insurance safeguards both your car and your assets. It will also cover medical transport and hospital expenses incurred in an accident. Liability insurance also covers legal expenses if anyone sues you for causing an accident. If your Mazda gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver is currently overpaying as much as $750 every year so it’s very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.
Do I just need basic coverages?
When it comes to buying coverage for your vehicles, there is no one-size-fits-all type of policy. Every insured’s situation is different.
These are some specific questions might point out if your insurance needs may require specific advice.
- Do I need an umbrella policy?
- Will I lose any money if I cancel my policy before it expires?
- Are rock-chip repairs free?
- Am I getting all the discounts available?
- What is the minimum liability in Texas?
- Do they offer discounts for home and auto coverage?
- What companies insure drivers after a DUI or DWI?
- Am I covered when driving someone else’s vehicle?
- Is my nanny covered when driving my vehicle?
- Do I need added coverage for expensive stereo equipment?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.
When to get advice from an insurance agency
Certain consumers just want to get professional advice from a licensed agent and that is recommended in a lot of cases Most agents are highly skilled in risk management and will help you if you have claims. An additional benefit of getting free rate quotes online is that drivers can save money and get lower rates and still buy from a local agent. Supporting local agents is still important in Austin.
To make it easy to find an agent, after completing this short form, your insurance coverage information is sent to local insurance agents in Austin that give free quotes for your business. It’s much easier because you don’t need to search for any insurance agencies since rate quotes are delivered directly to you. If for some reason you want to get a price quote from a specific insurance company, feel free to search and find their rate quote page and fill out the quote form the provide.
Below are Austin insurance companies willing to provide price quote information for Mazda 3 insurance in Austin.
- Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map - Karen Hall – State Farm Insurance Agent
7004 Bee Cave Rd #3 – Austin, TX 78746 – (512) 327-6200 – View Map - Allstate Insurance: Amanda Escobar
8700 Manchaca Rd #405 – Austin, TX 78748 – (512) 280-9700 – View Map - State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 – Austin, TX 78746 – (512) 328-2340 – View Map
Picking the best insurance company shouldn’t rely on just a low price. A good agent in Austin will have answers to these questions.
- Are they giving you every discount you deserve?
- How long have they worked with personal auto insurance coverage?
- Where would glass claims be handled in Austin?
- Can they give you a list of client referrals?
- Do they have a Better Business Bureau rating in Austin?