2006 Mazda 6 Car Insurance Cost – 8 Ideas for Cheaper Prices

Consumers have many options when looking for the best price on Mazda 6 insurance. They can either waste time contacting agents to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to shop for insurance so you’re going to learn the quickest way to price shop coverage for a new or used Mazda and obtain the best price possible from both online companies and local agents.

You should make it a habit to get comparison quotes before your policy renews because rates change regularly. Even if you got the best rate on 6 insurance a year ago you will most likely find a better price today. Forget anything you know (or think you know) about insurance because we’re going to show you the right way to save on insurance.

Compare insurance coverage quotes online

Finding a better price on insurance coverage is a great way to save money. All that’s required is to invest a few minutes comparing rate quotes from online providers. This can easily be done using a couple different methods.

  1. If you are pressed for time, the simplest way to get quotes is an all-inclusive rate comparison click to view form in new window. This quick form prevents you from having to do separate quotation requests for each company you want a rate for. Taking the time to complete one form gets you price quotes instantly. Just one form and you’re done.
  2. A more time consuming way to compare rate quotes consists of going to the website of each company and fill out a new quote form. For instance, we’ll assume you want to view quotes from USAA, Geico and Liberty Mutual. You would need to go to each individual site to enter your coverage information, and that’s why the first method is more popular. For a list of companies in your area, click here.

Take whichever approach you prefer, but try to keep identical coverages with every price quote. If you are comparing differing limits then you won’t be able to determine the lowest rate for your Mazda 6.

Are you getting every discount?

Companies don’t always advertise every disount available very clearly, so the below list has both well-publicized and the more hidden credits that you can use to lower your rates.

  • Discount for Passive Restraints – Factory options such as air bags or motorized seat belts could see savings of more than 20%.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
  • Senior Citizen Rates – Older drivers can possibly qualify for a small discount on rates on 6 insurance.
  • Organization Discounts – Being in qualifying clubs or civic groups is a simple method to lower premiums on your bill.
  • Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.
  • Driving Data Discount – People who choose to allow their company to study when and where they use their vehicle remotely such as State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Online Discount – Many larger companies will give a small break for signing up over the internet.

Please keep in mind that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, you won’t be that lucky.

For a list of insurance companies with discount rates, click here to view.

When in doubt talk to an agent

When buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might help in determining whether you will benefit from professional help.

  • At what point should I drop full coverage?
  • Which is better, split liability limits or combined limits?
  • How do I insure my teen driver?
  • When should I buy a commercial auto policy?
  • When should I remove comp and collision on my 2006 Mazda 6?
  • What are the financial responsibility laws in my state?
  • Is my Mazda 6 covered if I use it for business?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Specific coverages for a 2006 Mazda 6

Learning about specific coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mazda 6.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as dental work, rehabilitation expenses, funeral costs and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from flooding, a broken windshield and hitting a bird. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, funeral expenses, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

One last thing

A few companies may not offer online quoting and these smaller providers work with local independent agents. Cheaper 2006 Mazda 6 insurance is available both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis.

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, not issuing a premium refund or an unsatisfactory settlement offer. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

Throughout this article, we presented some good ideas how to save on 2006 Mazda 6 insurance. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest car insurance. You may even find the lowest priced auto insurance comes from the least-expected company.

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