2003 Mazda 6 Insurance Rates – 8 Tips for Cheaper Quotes

Trying to find cheaper insurance coverage rates for your Mazda 6? If you are new to online insurance coverage, you can be bewildered by the confusing number of insurance providers all offering big savings.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. This article will help educate you on how to effectively get price quotes and some tricks to saving. Although consumers can benefit by having an understanding of the way insurance companies market on the web and use this information to your advantage.

Free auto insurance rate quotes

There are several ways to compare auto insurance quotes, but there is one way that is less time-consuming than others. You could waste a few hours talking to insurance companies in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many of the larger companies belong to a marketplace that enables customers to send in one quote, and each company returns a rated price. This eliminates the need for quote requests to each company.

To access this free quoting program, click here to open in new window.

The only downside to pricing coverage this way is you cannot specify which insurance companies to receive prices from. So if you want to select individual companies to receive pricing from, we have a listing of low cost auto insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but double check that you are using apples-to-apples coverage data with every price quote. If you are comparing unequal deductibles or liability limits you will not be able to decipher which rate is best. Slightly different coverage limits could mean much higher rates. And when comparing auto insurance rates, know that comparing more rates from different companies will increase your chances of finding a lower rate.

Get cheaper rates with these eight discounts

Insurance can be prohibitively expensive, but you may qualify for discounts to help bring down the price. A few discounts will be applied when you get a quote, but lesser-known reductions have to be asked about in order for you to get them.

  • Home Ownership Discount – Just being a homeowner may trigger a policy discount on auto insurance because it requires personal responsibility.
  • Life Insurance Discount – Select insurance carriers reward you with a discount if you purchase some life insurance in addition to your auto policy.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
  • Renewal Discounts – A few insurance companies give discounts for switching companies early. Ten percent is about the average savings.
  • Discount for Low Mileage – Low annual miles could earn lower prices on the low mileage vehicles.
  • Driver Training Discounts – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
  • Early Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Drivers Education – Cut your cost by having your teen driver sucessfully take a drivers education course as it will make them better drivers and lower rates.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, it’s just not the way it works.

A few of the larger companies and some of the discounts can be found below.

  • State Farm may include discounts for multiple autos, defensive driving training, good student, student away at school, multiple policy, and anti-theft.
  • American Family has discounts for bundled insurance, air bags, Steer into Savings, early bird, mySafetyValet, and TimeAway discount.
  • Geico offers premium reductions for driver training, military active duty, multi-vehicle, defensive driver, membership and employees, and air bags.
  • 21st Century includes discounts for driver training, early bird, automatic seat belts, defensive driver, and 55 and older.
  • Progressive offers discounts for multi-vehicle, multi-policy, online signing, online quote discount, homeowner, good student, and continuous coverage.

If you want cheap insurance coverage quotes, ask every insurance company which discounts you may be entitled to. Savings might not be offered on policies in your area. To find providers who offer auto insurance discounts, click here.

Auto insurance can be complex

When buying adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • What happens if I owe more than my 2003 Mazda 6 is worth?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I get a multi-policy discount?
  • Do I need replacement cost coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages for a Mazda 6

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage protection

This coverage pays for damage to your 6 caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, crashing into a ditch, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like prosthetic devices, funeral costs, pain medications, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Mazda 6.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, a broken windshield, damage from getting keyed, hail damage and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, funeral expenses, medical services, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Coverage on a shoestring budget

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The goal is to find the BEST coverage for the lowest price.

Some insurance companies don’t offer the ability to get quotes online and most of the time these regional carriers only sell through local independent agencies. Discount 2003 Mazda 6 insurance is definitely available online in addition to local insurance agencies, so you need to compare both to have the best chance of lowering rates.

You just read some good ideas how you can compare 2003 Mazda 6 insurance premium rates online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the best price on insurance is with a small local company.

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