Find Affordable Mazda 3 Insurance in San Antonio

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Discount Mazda 3 insuranceHow long has it been since you compared quotes for more competitive Mazda 3 insurance in San Antonio? Being forced to pay for expensive insurance premiums can deplete your bank account and maybe even restrict other spending.

Smart shoppers know that car insurance companies want to prevent you from shopping around. Insureds who rate shop once a year will probably move their business because they stand a good chance of finding a policy with better rates. A study showed that people who compared rates regularly saved on average $860 a year compared to people who don't regularly compare prices.

If saving the most money on Mazda 3 insurance in San Antonio is your objective, then having some knowledge of the best way to compare coverage rates can make the process less intimidating. Companies like Progressive, GEICO and Farmers Insurance all claim big savings with ads and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

The companies shown below can provide quotes in Texas. If multiple companies are shown, we recommend you click on several of them to get a more complete price comparison.

Mazda 3 insurance coverage information

The rate information shown next highlights different insurance coverage prices for Mazda 3 models. Understanding how insurance premiums are established is important to be able to make smart choices when comparing insurance quotes.

Mazda 3 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $184 $332 $358 $22 $108 $1,004 $84
3 I SV 4-Dr Sedan $184 $332 $358 $22 $108 $1,004 $84
3 I Touring 4-Dr Sedan $184 $392 $358 $22 $108 $1,064 $89
3 S Sport 4-Dr Hatchback $208 $392 $358 $22 $108 $1,088 $91
3 S Sport 4-Dr Sedan $208 $392 $358 $22 $108 $1,088 $91
3 S Grand Touring 4-Dr Hatchback $208 $392 $358 $22 $108 $1,088 $91
3 S Grand Touring 4-Dr Sedan $208 $392 $358 $22 $108 $1,088 $91
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in San Antonio location which can influence coverage rates noticeably.

Should you raise deductibles?

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The data tables below highlight the premium difference of buying low and high deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Mazda 3 insurance premium rates with $250 deductibles
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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Mazda 3 insurance premium rates with $1,000 deductibles
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

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in your specific San Antonio location which can raise or lower premiums substantially.

Based on these figures, using a $250 deductible costs about $29 more each month or $348 every year across all Mazda 3 models than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 26 months between claim filings, you would save more money by selecting a higher deductible.

The information below shows how choosing a deductible and can increase or decrease Mazda 3 insurance premiums for different categories of driver ages. The premium estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.

How accidents and violations affect rates

The example below highlights how speeding tickets and accident claims raise Mazda 3 auto insurance rates for each different age group. Data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Difference between full coverage and liability only rates

The information below illustrates the difference between Mazda 3 insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

Guidelines for dropping full coverage

There isn't a steadfast formula to stop paying for physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's say your Mazda 3 replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying your policy deductible. If premiums are more than $500 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Don't assume everyone needs the same auto insurance coverage

Always remember that when buying the right insurance coverage, there really isn't a "perfect" insurance plan. Every insured's situation is different.Safe vehicles cost less to insure

For example, these questions can aid in determining whether or not you may require specific advice.

  • Am I missing any policy discounts?
  • If my car is totaled with they pay enough to replace it?
  • Should I buy more coverage than the required Texas minimum liability coverage?
  • Am I covered when driving someone else's vehicle?
  • Is my Mazda 3 covered if I use it for business?
  • Is there a penalty for late payment?
  • Can I use my car for my catering business?
  • What are good deductibles for a Mazda 3?

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.

Car insurance quotes from local San Antonio insurance agents

Many people would rather get advice from a local agent and that can be a smart move Licensed agents will help you protect your assets and give you someone to call. A nice benefit of comparing car insurance online is that you can find cheaper prices and still have a local agent. Supporting local agents is important especially in San Antonio.

Insurance agency in San AntonioBy using this simple form, your coverage information is sent to companies in San Antonio that can give you free San Antonio car insurance quotes for your coverage. You won't need to contact an agency due to the fact that quote results will go immediately to your email address. If you need to get a price quote from a specific company, just jump over to their website and submit a quote form there.

Below are San Antonio car insurance companies that may be able to provide rate quotes for Mazda 3 insurance in San Antonio.


1775 Encino Rio Boulevard - San Antonio, TX 78259 - (210) 496-9533 - View Map


5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870 - View Map


10103 TX-1604 Loop #102 - San Antonio, TX 78254 - (210) 688-7707 - View Map


13421 Blanco Rd - San Antonio, TX 78216 - (210) 492-0314 - View Map

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Finding the right insurance company requires more thought than just the bottom line cost. You should also get answers to these questions.

  • Does the agent recommend any additional coverage?
  • When do they do policy reviews?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Do they offer accident forgiveness?
  • Is assistance available after office hours?

Once you have good answers to your questions as well as low cost Mazda 3 insurance quotes, it's possible that you found a company that is reliable enough to provide car insurance coverage.