Auto Insurance Rates for a Mazda 6 in San Antonio

Are you kicking yourself for buying an overpriced car insurance policy? It’s quite common and many San Antonio consumers feel financially strained by their car insurance policy.

Insurance for Mazda 6Unthinkable but true, nearly 70% of customers kept buying from the same company for at least four years, and 38% of customers have never shopped around. Texas drivers could save roughly $1,766 every year just by getting comparison quotes, but they don’t want to spend time to compare rate quotes. Many insurers compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the lowest price on Mazda 6 insurance in San Antonio.

It’s smart to do rate comparisons before your policy renews since insurance prices are adjusted regularly by insurance companies. Just because you found the lowest rate on Mazda 6 insurance in San Antonio two years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate one of the quickest ways to lower your rates without sacrificing coverage.

If you already have coverage or just want cheaper coverage, follow these tips to cut your premiums while maintaining coverages. Choosing the most cost-effective auto insurance policy in San Antonio is not that difficult. Comparison shoppers just have to learn the quickest way to compare price quotes from many companies at once.

Companies offering cheap Mazda 6 rates in San Antonio, TX

The car insurance companies shown below offer free quotes in San Antonio, TX. If multiple companies are shown, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Facts and figures for Mazda 6 insurance

The rate table displayed next highlights different insurance rates for Mazda 6 models. Having a better understanding of how prices are calculated can help you make decisions on the best policy coverages.

Mazda 6 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $186 $340 $366 $22 $110 $1,024 $85
6 I SV 4-Dr Sedan $186 $340 $366 $22 $110 $1,024 $85
6 I Touring 4-Dr Sedan $186 $340 $366 $22 $110 $1,024 $85
6 I Touring Plus 4-Dr Sedan $210 $340 $366 $22 $110 $1,048 $87
6 I Touring Plus 4-Dr Sedan $210 $340 $366 $22 $110 $1,048 $87
6 I Grand Touring 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
6 S Touring Plus 6 Cyl 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
6 S Touring Plus 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
6 S Grand Touring 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
6 S Grand Touring 6 Cyl 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can revise coverage rates noticeably.

Car insurance rates by age and gender in San Antonio

The illustration below shows the comparison of Mazda 6 premium costs for male and female drivers. The costs are based on no violations or accidents, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Rate comparison of full coverage and liability-only

The illustration below illustrates the comparison of Mazda 6 insurance costs with liability coverage only compared to full coverage. Data assumes no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.

Should you pay for full coverage or liability only?

There is no clear-cut formula to exclude physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Mazda 6 settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after you pay the deductible. If premium cost is more than $600 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are a few cases where removing full coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Eight Tips to Get Cheap San Antonio Insurance Costs

Part of the car insurance buying process is learning the factors that go into determining your premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that can earn you lower car insurance prices.

Get cheaper Mazda 6 insurance rates in San Antonio

Insurance is not an enjoyable expense, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be specifically requested prior to getting the savings. If they aren’t giving you every credit possible, you are just wasting money.Save money with discounts

You can save money using discounts, but some credits don’t apply to the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears you could get a free insurance policy, insurance companies aren’t that generous. Any qualifying discounts will bring down the premium cost.

The information below visualizes the comparison of Mazda 6 insurance premiums with and without discounts applied to the premium. The information is based on a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-car, multi-policy, and claim-free discounts applied.

A few of the larger companies and their possible discounts are included below.

Check with each company what discounts are available to you. Some of the earlier mentioned discounts might not apply in San Antonio. To locate providers that have a full spectrum of discounts in Texas, click this link.

Local San Antonio auto insurance agents

Many people would rather have an agent’s advice and that is a personal choice. Professional agents will help you protect your assets and help you file claims. The best thing about comparing rate quotes online is that you can obtain the best rates and still have a local agent.

San Antonio insurance agentsOnce you complete this simple form, your information is transmitted to insurance agents in San Antonio that provide free San Antonio auto insurance quotes and help you find cheaper coverage. There is no reason to find an agent as quotes are delivered to the email address you provide. In the event you want to compare prices from one company in particular, you would need to find their quoting web page and give them your coverage information.

Finding the right provider is decision based upon more than just a cheap quote. The answers to these questions are important, too.

If you need to find a reliable insurance agency, you must know there are a couple different types of agencies and how they are distinctly different. Insurance policy providers can either be independent agents or exclusive agents depending on their employer. Both types of agents can do a good job, but it’s important to know how they differ since it could factor into the selection process.

Exclusive Insurance Agents

These agents can usually just insure with one company and examples are State Farm or Allstate. Exclusive agents are unable to compare rates from other companies so they have no alternatives for high prices. These agents are highly trained on their company’s products and that enables them to sell even at higher rates.

Below is a short list of exclusive insurance agencies in San Antonio that can give you price quote information.

8910 Bandera Rd #110San Antonio, TX 78250(210) 673-2391View Map

11726 Ste 102A, I-35San Antonio, TX 78233(210) 514-1120View Map

3227 SW Military Dr #103San Antonio, TX 78211(210) 928-3276View Map

More insurance agents

Independent Insurance Agents

Independent agencies are not required to write business for one company and that is an advantage because they can write policies with an assortment of companies and find you cheaper rates. To transfer your coverage to a different company, your policy is moved internally and you don’t have to switch agencies.

When comparing rates, we recommend you compare quotes from multiple independent agents to have the most options to choose from.

The following are independent agents in San Antonio that are able to give price quotes.

A and A Insurance Agency
1317 Castroville RdSan Antonio, TX 78237(210) 434-2311View Map

7330 San Pedro Ave #150San Antonio, TX 78216(210) 738-3537View Map

1534 W Contour Dr #101San Antonio, TX 78212(210) 828-7873View Map

More insurance agents

After getting good responses to these questions in addition to an acceptable price estimate, chances are good that you have found an insurance agency that can be trusted to provide insurance coverage.

Get the best coverage at the most affordable price

Low-cost Mazda 6 insurance in San Antonio is possible from both online companies and from local insurance agents, so you need to quote San Antonio auto insurance with both to have the best selection. Some insurance providers don’t offer the ability to get quotes online and these smaller providers work with independent agents.

Throughout this article, we presented many tips how you can shop for Mazda 6 insurance online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding low cost San Antonio auto insurance quotes. Consumers may even find the best price on insurance is with a smaller regional carrier. Some small companies often have lower rates on specific markets than the large multi-state companies such as State Farm and Allstate.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an accident victim reduced physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Additional detailed information is located in the articles below: