Lower Your 2011 Mazda 6 Car Insurance Rates

Are you irritated from sacrificing other expenses to make your auto insurance payment? You are in the same boat as most other consumers. Consumers have so many insurers to choose from, and although it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost auto insurance.

Smart consumers take time to check auto insurance prices quite often because rates are rarely the same from one policy term to another. Even if you got the best deal on 6 coverage six months ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate one of the easiest ways to properly buy coverages while reducing your premium.

Finding affordable coverage is not that difficult. If you have a current car insurance policy or are just looking to switch companies, you can use this information to find better prices while maintaining coverages. Vehicle owners just need to learn the best way to find the lowest price over the internet.

How to buy auto insurance

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You can waste a lot of time driving to insurance companies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Most of the larger companies enroll in a system that allows shoppers to complete one form, and each company provides a quote determined by their information. This saves time by eliminating repetitive form submissions for every auto insurance company.

To get comparison pricing now click to open in new window.

The only drawback to getting quotes like this is you can’t choose the companies you will receive quotes from. If you wish to select individual companies to compare prices, we have a listing of companies who write auto insurance in your area. Click to view list.

Which method you use is up to you, but be sure you’re using exactly the same coverages and limits for every company. If you compare different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Don’t miss these discounts

Insurance coverage can be pricey, but companies offer discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but once in a while a discount must be specially asked for in order for you to get them.

More Vehicles More Savings – Drivers who insure multiple cars or trucks with the same insurance coverage company can get a discount on all vehicles.
Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.
Own a Home – Owning your own home or condo may earn you a small savings because maintaining a house demonstrates responsibility.
Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
Claim Free – Drivers who don’t have accidents can save substantially in comparison to frequent claim filers.
Good Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on 6 coverage compared to accident prone drivers.
Driver Education Discount – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.

You can save money using discounts, but most credits do not apply the the whole policy. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free insurance coverage policy, companies wouldn’t make money that way.

Large insurance coverage companies and their offered discounts are included below.

Farm Bureau offers discounts including youthful driver, good student, driver training, safe driver, renewal discount, multi-policy, and 55 and retired.
MetLife includes discounts for good driver, multi-policy, defensive driver, good student, accident-free, claim-free
Progressive may offer discounts for online quote discount, multi-vehicle, continuous coverage, homeowner, multi-policy, and online signing.
AAA offers discounts for good driver, AAA membership discount, anti-theft, good student, and education and occupation.
American Family discounts include mySafetyValet, good student, defensive driver, good driver, bundled insurance, and TimeAway discount.
Geico has discounts for seat belt use, anti-theft, membership and employees, defensive driver, and daytime running lights.
State Farm has savings for anti-theft, multiple policy, defensive driving training, safe vehicle, multiple autos, and Steer Clear safe driver discount.

When quoting, ask each company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policies in your area. To see companies who offer free insurance coverage quotes, click this link.

Special considerations

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For example, these questions can help discover whether your personal situation could use an agent’s help.

Is my babysitter covered when using my vehicle?
Is there coverage for injuries to my pets?
Does having multiple vehicles earn me a discount?
Does medical payments coverage apply to all occupants?
Does my personal policy cover me when driving out-of-state?
Is borrowed equipment or tools covered if stolen or damaged?
Will my rates increase for filing one claim?
Am I insured when driving a different vehicle?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance coverages 101

Understanding the coverages of car insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Mazda 6.

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. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, surgery, doctor visits, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverage

This can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like court costs, pain and suffering and funeral expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Coverage for collisions

This coverage pays for damage to your 6 from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, sideswiping another vehicle, colliding with a tree, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.