If saving the most money is your goal, then the best way to get budget Mazda CX-5 insurance in El Paso is to start doing a yearly price comparison from providers who sell insurance in Texas.
- Step 1: Read and learn about what coverages are included in your policy and the factors you can control to lower rates. Many things that cause rate increases like traffic citations, accidents, and a not-so-good credit history can be controlled by paying attention to minor details.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide rate quotes from many different companies.
- Step 3: Compare the price quotes to your existing rates and determine if cheaper CX-5 coverage is available in El Paso. If you can save some money and switch companies, make sure there is no lapse in coverage.
One thing to point out is that you use similar coverage information on each price quote and and to get price estimates from every insurance company. This provides a level playing field and the best rate selection.
Sad but true, most insurance policyholders in Texas have bought insurance from the same company for four years or more, and 38% of drivers have never even compared quotes to find affordable rates. American insurance shoppers could save approximately $860 every year just by shopping around, but they just don’t understand how easy it is to compare rates and save money.
The method we recommend to compare rates for Mazda CX-5 insurance in El Paso utilizes the fact car insurance companies will pay a fee to compare their rates. To begin a comparison, all you need to do is provide the companies a bit of rating information like the ages of drivers, whether you are married, any included safety features, and if you require a SR-22. Those rating factors is submitted instantly to multiple different insurance companies and you receive quotes very quickly.
If you wish to get multiple quotes for your car now, click here and enter your coverage details.
The companies shown below are our best choices to provide quotes in El Paso, TX. If multiple companies are shown, it’s a good idea that you visit as many as you can to find the cheapest car insurance rates.
Affordable Mazda CX-5 insurance quotes in El Paso
Not many people think insurance is cheap, but there’s a good chance there are discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to receiving the credit.
- Senior Citizen Rates – If you’re over the age of 55, you may qualify for a slight reduction on a El Paso car insurance quote.
- Discounts for Multiple Vehicles – Insuring several vehicles on one policy can get a discount on all vehicles.
- Claim Free – El Paso drivers who stay claim-free pay much less when compared to accident-prone drivers.
- Student Discount for Driver Training – Have your child successfully take a driver’s education course in high school.
- Telematics Data – Drivers that enable driving data collection to spy on vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
One last thing about discounts, most discounts do not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, insurance companies aren’t that generous.
Insurance companies that have these money-saving discounts possibly include:
- State Farm
- Liberty Mutual
- American Family
- Progressive
- Farmers Insurance
- Auto-Owners Insurance
- SAFECO
Check with every prospective company which discounts you may be entitled to. A few discounts may not apply in your state.
The Mazda CX-5 Insurance Rate Equation
Many factors are part of the equation when premium rates are determined. Some are obvious such as your driving record, although others are not quite as obvious like your vehicle usage or your financial responsibility. A large part of saving on insurance is knowing the rating factors that help calculate your premiums. When consumers understand what determines premiums, this allows you to make educated decisions that may result in much lower annual insurance costs.
Save annual miles and save money – The higher the miles on your Mazda annually the more it will cost to insure it. Most insurance companies rate vehicles based on their usage. Vehicles that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Ask your agent if your insurance declarations sheet reflects how each vehicle is driven. A policy that improperly rates your CX-5 is throwing money out the window.
Vehicles with better crash test results save money – Vehicles that have high safety ratings get lower rates. Vehicles built for safety reduce occupant injuries and fewer injuries means your insurance company pays less and thus lower rates.
The type of vehicle makes a difference – The type of car or truck you are trying to find cheaper insurance for makes a huge difference in your premium level. Lower performance four cylinder passenger models normally have pretty low rates, but that’s not the only thing that factors into the final price.
Don’t get traffic citations – Having just one driving citation can increase the cost of insurance by twenty percent. Attentive drivers tend to pay less for car insurance than their less careful counterparts. People who have serious violations like DUI or willful reckless driving may need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive.
Does your job raise your prices? – Do you have a high-stress occupation? Occupations such as military personnel, executives, and stock brokers are shown to have the highest average rates because of intense work requirements and lots of time spent away from family. On the flip side, careers such as scientists, engineers and retirees have the lowest average rates.
Insurance loss data for Mazda CX-5 vehicles – Companies use claims history when they calculate premium prices for each model. Vehicles that statistically have a trend towards higher claim severity or frequency will have a higher cost to insure. The table below shows the historical insurance loss data for Mazda CX-5 vehicles.
For each coverage type, the claim amount for all vehicles averaged together equals 100. Values that are below 100 imply a favorable loss record, while values that are above 100 point to more frequent losses or statistically larger losses.
| Specific Mazda Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Mazda CX-5 4dr 2WD | 66 | 88 | 85 | 79 | 83 | 76 |
| Mazda CX-5 4dr 4WD | 71 | 83 | 102 | 79 | 74 | 72 |
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance agents can give valuable advice
Certain consumers would rather get professional advice from a licensed agent and that is not a bad decision One of the great benefits of getting free rate quotes online is that drivers can save money and get cheap insurance rates and still have a local agent.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to insurance agents in El Paso who will give competitive quotes for your coverage. It’s much easier because you don’t need to contact an agency since price quotes are sent straight to your inbox. You’ll get the best rates AND a local agent. If you need to get a rate quote from a specific insurance provider, just find their quoting web page and submit a quote form there.
Finding the right insurance company should depend on more than just a cheap quote. Some important questions to ask are:
- How will an accident affect your rates?
- Do you need full coverage on every vehicle?
- Are they paid to recommend certain coverages?
- Which family members are covered?
- Has the agent ever had any license suspensions?
When looking for a reliable insurance agency, there are a couple of types of insurance agents that you can choose from. Insurance agencies can either be independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Agents that elect to be exclusive are contracted to one company like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot compare rates from other companies so always compare other rates. Exclusive agencies are well schooled on their products and sales techniques which helps offset the inability to provide other markets. Consumers sometimes choose to use a exclusive agent partially due to loyalty to the company rather than having the cheapest rates.
The following are exclusive insurance agents in El Paso who can help you get rate quotes.
- Crystal Martinez – State Farm Insurance Agent
12295 Pellicano Dr #2 – El Paso, TX 79936 – (915) 855-8555 – View Map - Terry Jimenez – State Farm Insurance Agent
3500 N Mesa St g – El Paso, TX 79902 – (915) 532-1456 – View Map - James Valenzuela – State Farm Insurance Agent
11617 Pellicano Dr – El Paso, TX 79936 – (915) 858-6262 – View Map
Independent Insurance Agents
These type of agents are not required to write business for one company so they can write business with many different companies enabling the ability to shop coverage around. If you want to switch companies, they can switch companies in-house which makes it simple for you. If you need cheaper insurance rates, you definitely need to get some free quotes from several independent agencies for maximum quote selection. They also have the ability to place coverage with lesser-known insurance companies that can offer cheaper rates than bigger companies.
The following is a short list of independent agencies in El Paso that are able to give price quotes.
- Mt. Franklin Insurance Agency
1444 Montana Ave #202 – El Paso, TX 79902 – (915) 599-2900 – View Map - Home Insurance Agency
1760 Airway Blvd – El Paso, TX 79925 – (915) 771-8552 – View Map - Desert West Insurance: Lavelle Michael
7500 Viscount Suite 101 – El Paso, TX 79925 – (830) 534-9623 – View Map
After getting positive responses to all your questions as well as a price you’re happy with, most likely you have located an insurance agent that is professional and can adequately provide insurance. Just keep in mind consumers can cancel your coverage at any point so don’t think that you’re stuck with any specific company for the entire policy term.
How much can you save?
People switch companies for many reasons like policy cancellation, being labeled a high risk driver, denial of a claim or even not issuing a premium refund. It doesn’t matter why you want to switch finding a new car insurance company is not as difficult as it may seem.
When you buy El Paso car insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The goal is to buy enough coverage at the lowest possible cost, but do not skimp to save money.
Budget-friendly car insurance in El Paso is attainable from both online companies and from local insurance agents, so you need to shop El Paso car insurance with both to have the best selection. Some insurance providers may not have price quotes online and these smaller providers prefer to sell through local independent agencies.
Even more information is located in these articles:
- Your Car has been Stolen: Now What? (Allstate)
- Property Damage Coverage (Liberty Mutual)
- Car Insurance FAQ (Trusted Choice)
- Alcohol Impaired Driving FAQ (iihs.org)
- Car Insurance: When not to Skimp (BankRate.com)