Are you burned out from sacrificing to pay high insurance rates every month? You are in the same boat as many other California consumers.

Discount Mazda 3 insuranceUnfortunately, about 70% of customers renewed their policy with the same company for well over three years, and 38% of drivers have never compared rate quotes at all. With the average insurance premium being $1,390, San Jose drivers could save approximately 35% each year, but they don't invest the time required to compare rate quotes. Online insurance companies like GEICO and Progressive increase brand awareness with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and find the best price available.

It's a great practice to quote other rates before your policy renews because insurance prices change frequently. Just because you had the best deal on Mazda 3 insurance in San Jose on your last policy there may be better deals available now. There is a lot of bad information regarding 3 insurance online but you can learn some of the best ways to lower your insurance rates in San Jose.

If you are already insured or need a new policy, you can use these techniques to lower your rates while maintaining coverages. Buying the cheapest insurance in San Jose is really quite easy. Shoppers only need to know the best way to quote multiple rates online.

Finding a better price on car insurance is actually easier than you may think. You just have to take a couple of minutes comparing price quotes online with multiple companies.

Comparing free rates online is easy and it, makes it obsolete to drive around to insurance agencies in your area. Comparing Mazda 3 insurance rates online makes this unnecessary unless you want the trained advice of a licensed agent. Drivers can get prices online but have a local agent actually write the policy.

The companies shown below are our best choices to provide price comparisons in California. To locate cheaper car insurance in San Jose, CA, we suggest you click on several of them to get the most competitive price.

Mazda 3 Insurance Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $422 $844 $596 $36 $178 $2,076 $173
3 I SV 4-Dr Sedan $422 $844 $596 $36 $178 $2,076 $173
3 I Touring 4-Dr Sedan $328 $766 $574 $34 $172 $1,874 $156
3 S Sport 4-Dr Hatchback $412 $914 $574 $34 $172 $2,106 $176
3 S Sport 4-Dr Sedan $304 $536 $450 $26 $134 $1,450 $121
3 S Grand Touring 4-Dr Hatchback $228 $482 $574 $34 $172 $1,490 $124
3 S Grand Touring 4-Dr Sedan $476 $996 $596 $36 $178 $2,282 $190
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in vehicle location which can influence price quotes greatly.

Deductible analysis

When shopping for car insurance, a common question is what deductibles to buy. The rates below outline how much more you'll pay when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible and the second price table uses a $500 deductible.

Mazda 3 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
3 I SV 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
3 I Touring 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
3 S Sport 4-Dr Hatchback $386 $678 $442 $26 $132 $1,689 $141
3 S Sport 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
3 S Grand Touring 4-Dr Hatchback $386 $678 $442 $26 $132 $1,689 $141
3 S Grand Touring 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
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Mazda 3 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
3 I Sport 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
3 I SV 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
3 I Touring 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
3 S Sport 4-Dr Hatchback $314 $546 $442 $26 $132 $1,460 $122
3 S Sport 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
3 S Grand Touring 4-Dr Hatchback $314 $546 $442 $26 $132 $1,460 $122
3 S Grand Touring 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in specific garaging location which can influence insurance rates substantially.

Based on this data, using a $250 deductible will cost you approximately $18 more each month or $216 a year than choosing the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 14 months between claims, you would probably be better off if you choose the higher deductible.

Can higher deductibles save money?

The chart below demonstrates how choosing different deductibles and can increase or decrease Mazda 3 annual premium costs for each age group. The prices are based on a single male driver, full coverage, and no discounts are factored in.

Irresponsible driving raises your rates

The illustration below shows how speeding tickets and at-fault collisions can affect Mazda 3 car insurance costs for different ages of insureds. The data is based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Get affordable Mazda 3 insurance in San Jose with discounts

Some providers don't always advertise all their discounts very well, so the below list has some of the best known and the more hidden discounts you could be receiving when you buy San Jose car insurance online.Insurance discounts

It's important to note that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, that's just not realistic.

A few popular companies and their possible discounts are outlined below.

Before purchasing a policy, check with every insurance company which discounts they offer. All car insurance discounts might not apply in your state. If you would like to choose from a list of insurance companies that offer many of these discounts in San Jose, click here to view.

Three reasons car insurance is important

Even though San Jose 3 insurance rates can get expensive, buying car insurance may be mandatory for several reasons.

First, the majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your car, it's guaranteed your bank will make it mandatory that you have full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Mazda for a much higher rate and force you to pay for the much more expensive policy.

Third, car insurance protects your Mazda 3 and your assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. Liability coverage will also pay for a defense attorney if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. As of last year, the average driver in California is currently overpaying as much as $850 per year so we recommend shopping around at least once a year to make sure the price is not too high.

You may need specialized insurance coverage

Always keep in mind that when comparing adequate coverage for your vehicles, there isn't really a perfect coverage plan. Your financial needs are unique and your insurance should be unique as well.Safe vehicles cost less to insure For example, these questions might point out whether you might need professional guidance.

If it's difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Compare rates but still have a local neighborhood San Jose car insurance agent

Some consumers just prefer to get professional advice from a licensed agent and that can be a great decision Good insurance agents can help you build your policy and help you file claims. A nice benefit of comparing rate quotes online is you can get cheap rate quotes and still choose a local agent. Buying insurance from small agencies is definitely important in San Jose.

San Jose insurance agentsTo make it easy to find an agent, after completing this quick form, the quote information is transmitted to insurance agents in San Jose who will give competitive quotes and help you find cheaper coverage. You never need to contact any agents because prices are sent directly to your email. If you want to get a price quote for a specific company, you would need to find their quoting web page and complete a quote there.

Picking an provider should depend on more than just the bottom line cost. Agents should be asked these questions: