Cheaper 2014 Mazda Mazda6 Insurance Rates

Searching for cheaper auto insurance rates? Consumers have lots of choices when looking for affordable Mazda Mazda6 insurance. They can either waste time calling around to compare prices or save time using the internet to make rate comparisons.

There is a better way to buy auto insurance so you’re going to learn the proper way to quote coverages for a new or used Mazda and locate the best price possible from local insurance agents and online providers.

Consumers need to take a look at other company’s rates once or twice a year because rates go up and down regularly. Even if you got the lowest premium rates on Mazda6 insurance on your last policy you may be paying too much now. Block out anything you think you know about auto insurance because you’re going to learn the quickest way to save on auto insurance.

Finding insurance

There are several ways to shop for insurance, but one way is easier and takes less work. You can spend countless hours driving to agents in your area, or you can stay home and use online quoting for quick rates.

The majority of car insurance companies belong to an insurance system that enables customers to submit their information once, and each participating company then returns a price quote. This system prevents you from having to do quote forms for every insurance company.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to pricing coverage this way is you can’t choose which insurance companies to get pricing from. If you wish to select individual companies for rate comparison, we have a page of the cheapest insurance companies in your area. Click here to view list.

The approach you take is up to you, just ensure you are comparing the exact same coverages and limits for every company. If each company quotes different deductibles it will be very difficult to determine which rate is truly the best.

Insurance coverage discounts help lower rates

Not too many consumers would say insurance coverage is affordable, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you get a quote, but occassionally some discounts must be asked about before being credited.

  • Buy New and Save – Buying coverage on a new vehicle can get you a discount due to better safety requirements for new vehicles.
  • Own a Home – Simply owning a home can help you save on insurance coverage due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Discounts for Cautious Drivers – Safe drivers may receive a discount up to 45% on Mazda6 insurance as compared to drivers with claims.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up can save up to 15% off the PIP or medical payment premium.
  • Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Paperwork-free – Many insurance coverage companies will give a small break for buying your policy on your computer.
  • Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Progressive, State Farm and Geico will allow you to have one accident before your rates go up with the catch being you have to be claim-free for a set time period.
  • Onboard Data Collection – Drivers who agree to allow their company to study driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.

Don’t be surprised that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will reduce your overall bill.

If you would like to choose from a list of insurers that offer many of these discounts, click here.

Which is the best car insurance?

When it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you could use an agent’s help.

  • Does car insurance cover theft of personal property?
  • Do I need more liability coverage?
  • Are my friends covered when driving my car?
  • Should I get collision insurance on every vehicle?
  • Can I afford low physical damage deductibles?
  • Does insurance cover tools stolen from my truck?
  • Does liability extend to a camper or trailer?
  • Are rock chip repairs covered?
  • What if I don’t agree with a claim settlement offer?
  • Will my vehicle be repaired with OEM or aftermarket parts?

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. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for things like surgery, funeral costs, chiropractic care, X-ray expenses and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Liability insurance – This coverage protects you from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $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. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses, medical expenses and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, rolling your car, hitting a parking meter, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, falling objects, a tree branch falling on your vehicle and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mazda Mazda6.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

More comparisons equals lower rates

People who switch companies do it for a number of reasons such as delays in paying claims, policy cancellation, being labeled a high risk driver and even high prices. No matter why you want to switch, finding a great new company is less work than it seems.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped collision coverage only to regret that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

There are still a few companies who may not provide internet price quotes and many times these smaller companies work with independent insurance agencies. Cheap 2014 Mazda Mazda6 insurance can be purchased from both online companies and from local insurance agents, and you should compare rates from both to have the best rate selection.

Much more information about insurance coverage can be found at the links below