2003 Mazda 6 Insurance Quotes – 7 Policy Discounts

Finding the cheapest insurance for a Mazda 6 could be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to shop for car insurance and we’ll show you the quickest way to price shop coverage for your Mazda and obtain the cheapest rates from both online companies and local agents.

You need to check car insurance prices quite often because prices are adjusted regularly by insurance companies. Even if you think you had the lowest rate for 6 insurance a couple years back there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the best methods to save money, get proper coverage and the best rates.

Which insurance is cheapest?

Shopping for lower insurance rates can be a daunting task if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use the web to achieve your goal.

Most car insurance companies participate in an industry program where insurance shoppers enter their policy data once, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote requests for every insurance company.

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

One minor caviat to comparing rates this way is that consumers can’t choose which insurance companies to receive prices from. If you would rather choose specific providers to receive pricing from, we have assembled a list of companies who write insurance in your area. Click here to view list.

Which method you use is up to you, but do your best to use equivalent coverages and limits with every price quote. If you use different values for each quote it will be nearly impossible to find the best deal for your Mazda 6.

Discounts can really help save money

Car insurance is easily one of your largest bills, but there could be available discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but some must be inquired about in order for you to get them.

• No Accidents – Claim-free drivers pay less in comparison to frequent claim filers.
• Cautious Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates for 6 insurance compared to accident prone drivers.
• 55 and Retired – Drivers over the age of 55 may qualify for lower premium rates for 6 insurance.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% off the PIP or medical payment premium.
• Active Service Discounts – Having an actively deployed family member can result in better prices.
• Driver Training Discounts – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
• Paper-free Discount – Some larger companies give back up to $50 for buying your policy on your computer.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will cut the premium cost.

To see a list of providers who offer cheap car insurance quotes, click this link.

Will just any policy work for me?

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions may help you determine whether or not you might need professional guidance.

• Am I covered if I wreck a rental car?
• How high should my medical payments coverage be?
• Are there companies who specialize in insuring high-risk drivers?
• Does insurance cover tools stolen from my truck?
• Is my teenager covered with friends in the car?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability insurance – Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like emergency aid, repair costs for stationary objects, bail bonds, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Comprehensive (Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, rock chips in glass and fire damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like dental work, funeral costs, surgery, nursing services and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision – This covers damage to your 6 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, crashing into a building, rolling your car, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.