2014 Mazda 6 Insurance Quotes – 10 Savings Tips

Shoppers have many options when shopping for affordable Mazda 6 insurance. You can either waste hours driving around to compare prices or utilize the internet to compare rates.

There are both good and bad ways to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates on a Mazda and obtain the cheapest rates either online or from local insurance agents.

If you have a current car insurance policy or are just looking to switch companies, you can learn to shop for the lowest rates while maintaining coverages. This information will teach you how to get online quotes. Drivers just need to know the proper way to shop on the web.

How to buy insurance online

There are several ways to shop for insurance, but there is one way that is more efficient than others. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to maximize your effort.

Most major companies participate in a marketplace where insurance shoppers complete one form, and each company provides a quote for coverage. This eliminates the need for form submissions to every company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to pricing coverage this way is you don’t know exactly the companies you will receive quotes from. So if you want to select specific providers to compare rates, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

How you compare quotes is your choice, just try to keep equivalent coverage limits for each quote you get. If you have differing limits it will be nearly impossible to get a fair rate comparison.

Verify you’re receiving every discount

Insurance is expensive, but there could be significant discounts that you may not know about. A few discounts will be applied at the time of purchase, but some must be inquired about prior to getting the savings.

  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% for 6 insurance compared to accident prone drivers.
  • Accident Forgiveness Coverage – but companies like Liberty Mutual and Geico will let one accident slide before hitting you with a surcharge so long as you are claim-free before the accident.
  • Payment Discounts – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
  • Discounts for Multiple Vehicles – Having primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • Service Members Pay Less – Having a family member in the military can result in better prices.
  • E-sign – A handful of larger companies may give you up to $50 get insurance on the internet.
  • Government Employees – Simply working for the federal government can save as much as 8% for 6 insurance but check with your company.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up could save 15% off the PIP or medical payment premium.
  • Student in College – who are attending college and do not have a car may be able to be covered for less.
  • Homeowners Discount – Just being a homeowner can save you money because of the fact that having a home requires personal responsibility.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, you aren’t that lucky.

A few of the larger companies and some of the premium reductions they offer are included below.

  • State Farm may have discounts that include Steer Clear safe driver discount, passive restraint, driver’s education, good student, Drive Safe & Save, and anti-theft.
  • Geico has savings for good student, multi-vehicle, federal employee, military active duty, and daytime running lights.
  • Progressive discounts include online quote discount, multi-policy, multi-vehicle, good student, online signing, and continuous coverage.
  • 21st Century has discounts for 55 and older, teen driver, defensive driver, student driver, and air bags.
  • American Family offers discounts for TimeAway discount, air bags, Steer into Savings, good student, and mySafetyValet.
  • The Hartford includes discounts for good student, vehicle fuel type, air bag, anti-theft, defensive driver, and driver training.
  • AAA offers discounts including good student, multi-policy, good driver, multi-car, anti-theft, and education and occupation.

When quoting, ask every insurance company to give you their best rates. Some discounts listed above might not apply in your area. To locate providers offering insurance discounts, click here.

When should I discuss my situation with an agent?

When buying adequate coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different.

These are some specific questions can aid in determining whether you could use an agent’s help.

  • Does coverage extend to Mexico or Canada?
  • Am I covered when using my vehicle for business?
  • Should I buy only the required minimum liability coverage?
  • How can I force my company to pay a claim?
  • How do I insure my teen driver?
  • Does liability extend to a camper or trailer?
  • Should I have a commercial auto policy?
  • Should I buy full coverage?
  • Am I covered when driving on a suspended license?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses like nursing services, doctor visits and rehabilitation expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, bail bonds, legal defense fees, medical services and medical expenses. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This coverage will pay to fix 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 things such as fire damage, a broken windshield, falling objects and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.