Having to pay for overpriced auto insurance in Arlington can stress out your savings account and force you to make sacrifices.
We don’t have to point out that fact that insurance companies don’t want you shop around. Insureds who compare price quotes will probably buy a different policy because there are good odds of finding a cheaper policy. Surprisingly, a recent survey revealed that consumers who regularly shopped around saved about $850 each year compared to other drivers who never shopped around for better prices.
If finding the most affordable car insurance is your objective, then having a good understanding the best ways to shop for coverage rates can make shopping around easier. People have many insurers to insure vehicles with, and even though it’s nice to have a selection, lots of choices makes it harder to find the lowest rates for Mazda 3 insurance in Arlington.
Consumers should take time to check auto insurance prices once or twice a year because prices are constantly changing. Even if you think you had the best deal on Mazda 3 insurance in Arlington on your last policy other companies may now be cheaper. There are lots of tips to save on 3 insurance on the internet, but in just a couple of minutes you can learn some good information on how to lower your auto insurance bill.
Choosing the most cost-effective auto insurance policy in Arlington can be made easier if you know where to look. If you are already insured or just want to reduce your rates, you can follow these tips to get lower rates and possibly find even better coverage. You just need to understand the quickest way to get comparison quotes from many companies at once.
The car insurance companies shown below offer comparison quotes in Texas. If you want the best cheap auto insurance in Arlington, TX, we suggest you compare several of them to get the lowest price.
Detailed insurance information
The information displayed below outlines estimates of coverage prices for Mazda 3 models. Learning more about how policy rates are determined can help guide drivers when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $230 | $422 | $366 | $22 | $110 | $1,150 | $96 |
| 3 I SV 4-Dr Sedan | $230 | $422 | $366 | $22 | $110 | $1,150 | $96 |
| 3 I Touring 4-Dr Sedan | $230 | $496 | $366 | $22 | $110 | $1,224 | $102 |
| 3 S Sport 4-Dr Hatchback | $260 | $496 | $366 | $22 | $110 | $1,254 | $105 |
| 3 S Sport 4-Dr Sedan | $260 | $496 | $366 | $22 | $110 | $1,254 | $105 |
| 3 S Grand Touring 4-Dr Hatchback | $260 | $496 | $366 | $22 | $110 | $1,254 | $105 |
| 3 S Grand Touring 4-Dr Sedan | $260 | $496 | $366 | $22 | $110 | $1,254 | $105 |
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can increase or decrease coverage prices significantly.
Deductible analysis
When buying insurance, a common question is how high should the physical damage coverage deductibles be. The comparisons below highlight how much more you’ll pay between low and high insurance deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 3 I Sport 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| 3 I SV 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| 3 I Touring 4-Dr Sedan | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| 3 S Sport 4-Dr Hatchback | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 3 S Sport 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 3 S Grand Touring 4-Dr Hatchback | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 3 S Grand Touring 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
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| 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 | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can change premium rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible costs about $29 more each month or $348 annually across all Mazda 3 models than buying the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 26 months between claims, you would come out ahead if you elect the higher deductible.
Annual premiums for males versus females
The diagram below illustrates the difference between Mazda 3 insurance premiums for male and female drivers. The price estimates are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.
Auto insurance is an important decision
Despite the potentially high cost of Mazda 3 insurance, paying for auto insurance is required for several reasons.
- Almost all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability coverage in order to be legal. 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 Mazda 3 has a loan, it’s most likely the lender will require that you have insurance to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Mazda for a much higher rate and require you to pay for the expensive policy.
- Auto insurance preserves your vehicle and your assets. It will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance are definitely more than the cost, specifically if you ever have a liability claim. An average driver in America overpays as much as $855 a year so it’s important to compare rates at every policy renewal to ensure rates are competitive.
Why Informed Drivers Pay Less for Mazda 3 Insurance
Lots of factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although others are less obvious like your vehicle usage or how safe your car is. When buying auto insurance it’s important to understand the different types of things that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that could result in big savings.
The list below includes some of the major factors companies use to determine rates.
Pay more if you have a long commute – Having an address in smaller towns and rural areas of the country is a good thing when it comes to auto insurance. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims. Drivers who live in large Texas cities have to deal with more auto accidents and higher rates of accident claims. The longer drive time translates into higher accident risk.
Premiums increase with policy add-ons – There are a lot of additional extra coverages you can purchase on your auto insurance policy. Things like rental car coverage, towing coverage, and extra life insurance coverage may be wasting your money. The coverages may be enticing when deciding what coverages you need, but if you don’t need them eliminate the coverages to reduce your premium.
Liability insurance preserves assets – The liability section of your policy is the coverage that protects you when you are found to be at fault for an accident. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Performance impacts insurance prices – The type of car or truck you need to insure makes a big difference in the rate you pay. The cheapest rates are for small economy passenger cars, but the final cost of insurance is determined by many other factors.
The next chart uses these variables: married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Mazda 3 insurance premiums compared to other makes and models that have different performances.
Choose high IIHS safety ratings and save – Vehicles with high crash test scores get lower rates. Highly rated vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates. If your Mazda is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Save by staying claim free – Companies in Texas give the best rates to people who are not frequent claim filers. If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
Bump up physical damage deductibles to lower rates – Your deductibles represent how much money the insured will be required to pay if the claim is covered. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply would be a windshield broken by a bird, collision with a deer, or theft of your vehicle. The more money you choose to pay out-of-pocket, the lower your rates will be.
Mazda 3 claim probability – Insurers factor in historical loss data in order to profitably underwrite each model. Vehicles that the data determines to have a higher amount or frequency of claims will have higher premium rates. The table shown below demonstrates the loss history for Mazda 3 vehicles.
For each policy coverage type, the statistical loss for all vehicles, regardless of make or model, is a value of 100. Numbers below 100 indicate better than average losses, while percentage numbers above 100 indicate higher probability of having a loss or a tendency for claims to be larger.
| 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance agents can help
When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique and your insurance should unique, too.
For example, these questions may help highlight whether you might need an agent’s assistance.
- How do I buy GAP insurance?
- Why do I need rental car insurance?
- Should I carry comprehensive and collision coverage?
- Is upholstery damage covered by car insurance?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Can my babysitter drive my car?
- Is my custom paint covered by insurance?
- Does coverage extend to Mexico or Canada?
- Is pet coverage available?
- Does insurance cover damages from a DUI accident?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.
You can lower your car insurance rates
We covered a lot of ways to save on Mazda 3 insurance in Arlington. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with a small local company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.
Lower-priced Mazda 3 insurance in Arlington can be bought on the web in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not offer the ability to get quotes online and these regional insurance providers provide coverage only through independent agencies.
How to find better rates for Mazda 3 insurance in Arlington
The recommended way to find more affordable car insurance rates in Arlington is to begin comparing prices regularly from providers who sell insurance in Texas. You can shop around by following these guidelines.
Step 1: Read about how auto insurance works and the factors you can control to prevent rate increases. Many things that increase rates like traffic citations, accidents, and a not-so-good credit score can be remedied by being financially responsible and driving safely.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies. View companies
Step 3: Compare the price quotes to your existing policy and determine if there is any savings. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
Step 4: Provide adequate notice to your current company of your intention to cancel your existing policy. Submit the signed application along with the required initial payment to the newly selected company. Once received, place your new certificate verifying coverage above your visor, in the console, or in the glove compartment.
One thing to remember is to try to compare the same coverage limits and deductibles on every quote request and and to get price estimates from as many companies as feasibly possible. Doing this ensures an apples-to-apples comparison and the best price selection.
More detailed car insurance information is available at these sites:
- Red Light Cameras (State Farm)
- How Much are Car Insurance Rates for a Jeep Wrangler in Arlington? (FAQ)
- How Much is Arlington Auto Insurance for Good Drivers? (FAQ)
- Who Has the Cheapest Arlington Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Airbag FAQ (iihs.org)