Lower Your 2003 Mazda Mazda6 Insurance Quotes

Trying to find cheaper insurance coverage rates for your Mazda Mazda6? I can’t think of a single person who likes having to buy insurance coverage, especially when they are paying too much. Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive lowest rate possible.

It’s important to compare rates periodically due to the fact that insurance rates change regularly. Just because you found the lowest rates for Mazda6 coverage two years ago you can probably find a lower rate today. There is a lot of bad information regarding insurance coverage online, so we’re going to give you some great ways to find cheap insurance coverage.

If you have a policy now or need new coverage, you can use these tips to find the best rates and possibly find even better coverage. Buying car insurance is not rocket science. Drivers just need to learn the proper way to shop their coverage around on the web.

Quick Car Insurance Quotes

Performing a rate comparison can take time and effort if you don’t know the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to maximize your effort.

Most of the best insurance companies take part in a program that allows shoppers to enter their coverage request one time, and each company provides a quote based on that information. This saves time by eliminating quotation requests for each company.

To submit your quote information now, click to open in new window.

The one downside to doing it this way is that consumers can’t choose which insurance companies to get pricing from. If you would rather choose specific providers to request quotes from, we have a page of car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits on every quote you get. If you have different values for each quote it will be next to impossible to truly determine the lowest rate.

Parts of the Mazda Mazda6 rate equation

It’s important that you understand the different types of things that play a part in calculating the rates you pay for insurance coverage. Understanding what controls the rates you pay allows you to make educated decisions that can help you get big savings.

  • Marriage pays dividends – Having a wife or husband actually saves money on your insurance coverage policy. Having a significant other usually means you are more mature and responsible and statistics show drivers who are married are more cautious.
  • Teen drivers pay high rates – More mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers tend to be more careless when driving and because of this, their insurance coverage rates are much higher.
  • More miles equals more premium – The more you drive every year the more you will pay for insurance coverage. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Mazda6 can cost quite a bit. Make sure your insurance coverage policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Men are more aggressive – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. They both tend to get into accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.
  • Your location affects your rates – Choosing to live in a rural area is a positive aspect when it comes to insurance coverage. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident.
  • Higher deductibles cost less – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Mazda from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, damage from fire, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before your insurance coverage pays a claim. The higher the amount the insured has to pay upfront, the lower your rates will be for Mazda6 coverage.

Save money by taking advantage of these discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at the time of quoting, but a few must be manually applied before you get the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Mazda can qualify you for lower rates on the low mileage vehicles.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Mazda6 coverage depending on your company.
  • Safe Drivers – Insureds without accidents may save up to 50% more for Mazda6 coverage than their less cautious counterparts.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

Insurance companies that possibly offer these discounts may include but are not limited to:

Double check with each insurance company which discounts they offer. All car insurance discounts might not apply in your state.

When should I use an insurance agent?

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if hit by an uninsured driver?
  • How high should deductibles be on a 2003 Mazda Mazda6?
  • Do I have any recourse if my insurance company denies a claim?
  • Can my teen drive my company car?
  • Does my 2003 Mazda Mazda6 qualify for pleasure use?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Liability car insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as loss of income, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, pain medications and surgery. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, hitting a parking meter, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a bird and falling objects. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mazda Mazda6.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Shop Smart and Save

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

The cheapest 2003 Mazda Mazda6 insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not provide online price quotes and these small insurance companies work with independent agents.

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