Compare 2003 Mazda Mazda6 Car Insurance Rates

Overpriced Mazda Mazda6 insurance can sap your savings and force you to cut corners elsewhere. Comparing rate quotes is recommended to cut your insurance bill.

Big companies like State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have insurance now or are shopping for new coverage, you will benefit by learning to get lower rates and still get good coverage. Buying car insurance is not that difficult. Drivers just need to understand the best way to shop their coverage around online.

You may qualify for discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be inquired about in order for you to get them.

  • Multi-car Discount – Drivers who insure multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Driver Training Discounts – Taking part in a course in defensive driving could save 5% or more if you qualify.
  • Active Military Service – Having a family member in the military may lower your prices slightly.
  • Life Insurance – Some insurance carriers give a discount if you purchase some life insurance in addition to your auto policy.
  • Smart Student Discounts – A discount for being a good student may save as much as 25% on a car insurance quote. Most companies allow this discount until age 25.
  • Switch and Save Discount – Select companies give a discount for buying a policy before your current expiration date. It can save you around 10%.

Just know that most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, that’s just not realistic.

The best auto insurance companies and a summarized list of policyholder discounts can be found below.

  • American Family offers discounts for mySafetyValet, bundled insurance, early bird, good driver, and TimeAway discount.
  • State Farm has savings for Steer Clear safe driver discount, multiple autos, safe vehicle, passive restraint, good driver, good student, and Drive Safe & Save.
  • 21st Century may have discounts that include driver training, anti-lock brakes, theft prevention, student driver, 55 and older, and good student.
  • Travelers includes discounts for student away at school, payment discounts, early quote, driver training, and new car.
  • Geico discounts include defensive driver, military active duty, anti-lock brakes, five-year accident-free, and multi-policy.

If you need lower rates, check with all companies you are considering how many discounts you can get. All car insurance discounts may not be available in your area. To view auto insurance companies that offer discounts, click here to view.

There’s no such thing as the perfect insurance policy

When choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so this has to be addressed. For example, these questions may help highlight if your situation could use an agent’s help.

  • Are rock chip repairs covered?
  • Am I covered when driving a rental car?
  • How many claims can I have before being cancelled?
  • When do I need to add a new car to my policy?
  • Do I need roadside assistance coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage when using my vehicle for my home business?
  • When can I cancel my policy?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Car insurance coverages for a Mazda Mazda6

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Liability coverages

This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical services, pain and suffering and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hail damage, falling objects, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision insurance

Collision insurance pays for damage to your Mazda6 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, prosthetic devices, surgery and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Get your money’s worth

As you quote car insurance, you should never buy less coverage just to save a little money. In many instances, an insured dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

We just showed you some good ideas how you can compare 2003 Mazda Mazda6 insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Drivers may discover the lowest rates are with an unexpected company. Some small companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Progressive or Geico.

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