Cheap 2004 Mazda 6 Insurance Quotes

Drivers have many options when trying to find low-cost Mazda 6 insurance. They can either spend hours driving around getting price quotes or utilize the internet to get rate quotes.

There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to price shop coverage for a Mazda and obtain the lowest price either online or from local insurance agents.

Affordable insurance

Getting cheaper 2004 Mazda 6 insurance pricing is surprisingly easy. The only thing you need to do is take a few minutes comparing rate quotes online from several insurance companies. It’s super easy and can be done in a couple of different ways.

  1. Without a doubt, the easiest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This method keeps you from doing multiple quote forms for every company. One form will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  2. Another way to obtain and compare quotes online requires you to visit the website for each individual company to request a price quote. For sake of this example, we’ll pretend you want rates from Farmers, Liberty Mutual and Allstate. In order to get each rate, you would have to spend time going to each site individually and punch in your information repeatedly, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples quote information with each company. If your comparisons have different data it’s impossible to determine the lowest rate for your Mazda 6.

Discounts can really help lower rates

Car insurance is not an enjoyable expense, but you might be missing out on some discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be specially asked for before being credited. If you aren’t receiving every discount available, you could be getting lower rates.

  • Paperwork-free – Many larger companies give back up to $50 for completing your application on your computer.
  • Cautious Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on 6 coverage than less cautious drivers.
  • Good Student – This discount may save as much as 25% on a insurance coverage quote. You can use this discount normally up until you turn 25.
  • Save with More Vehicles Insured – Drivers who insure all your vehicles with one company can get a discount for every vehicle.
  • New Car Discount – Insuring a vehicle that is new is cheaper since new model year vehicles have better safety ratings.
  • Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
  • Military Discounts – Having a family member in the military could trigger a small discount.
  • Membership in Organizations – Being a member of a civic or occupational organization could earn you a nice discount when getting a insurance coverage quote.

Consumers should know that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Some of the larger companies that may offer policyholders some of the above discounts are:

If you need cheaper insurance coverage quotes, ask each insurance company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in your area. For a list of insurers who offer discounts, click here.

The Mazda 6 insurance cost equation

Many factors are used in the calculation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but others are not as apparent such as your marital status or how safe your car is.

  • Cheaper rates after marriage – Getting married helps lower the price on insurance coverage. Having a significant other means you’re more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Annual mileage impacts costs – The more you drive in a year the higher the price you pay to insure it. Almost all companies charge rates based on their usage. Cars and trucks that sit idle most of the time qualify for better rates than those that get driven frequently. Verify your insurance coverage policy reflects the correct usage for each vehicle, because improper ratings can cost you money. An incorrectly rated 6 is throwing money out the window.
  • Better credit means lower premiums – A driver’s credit rating is a large factor in determining what you pay for insurance coverage. People with very good credit scores tend to file fewer claims and have better driving records than those with lower ratings. If your credit is lower than you’d like, you may save money insuring your 2004 Mazda 6 by improving your rating.
  • Job can influence premiums – Did you know your job can affect your rates? Jobs such as lawyersair traffic controllers and financial analysts have the highest average rates in part from high stress levels and long work hours. Other occupations such as scientists, historians and performers pay the least on 6 coverage.
  • Better rates on vehicles with better crash test results – Vehicles with high crash test scores are cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Mazda 6 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • What are good liability coverage limits? – A critical coverage on your policy, liability insurance will provide protection if ever you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Responsible drivers pay better premiums – Only having one ticket can boost insurance rates to the point where it’s not affordable. Good drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers who have received serious citations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
  • Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Both genders cause at-fault accidents at a similar rate, but the men have costlier accidents. Not only are claims higher, but men have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Will my insurance pay for OEM parts?
  • How much liability coverage do I need in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • What vehicles should carry emergency assistance coverage?
  • Do I need replacement cost coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Truth in auto insurance advertising

Consumers constantly see and hear ads that claim the lowest rates from the likes of State Farm, Allstate and Geico. They all seem to advertise claims that drivers can save some big amount if you just switch to them.

Is it even possible that every company can charge you a lower premium? It’s all in how they say it.

Many companies have specific criteria for the right customer that will generate a profit. One example of a desirable risk may be married and over the age of 30, has a clear driving record, and the vehicle is rated for pleasure use. A propective insured who matches those parameters will probably get cheap premium rates and will save a lot if they switch.

Consumers who do not meet those standards will have to pay a higher rate and this results in the customer not purchasing. The trick is to say “customers that switch” not “everybody who quotes” save the amount stated. That’s why companies can claim big savings.

This really illustrates why you need to quote coverage with many companies. Because you cannot predict the company that will give you lower car insurance rates than your current company.

Car insurance 101

Learning about specific coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for things like ambulance fees, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This coverage pays for damage to your 6 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, driving through your garage door, crashing into a building, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, rock chips in glass, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage can cover damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like legal defense fees, medical services and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Shop. Compare. Save.

Lower-priced 2004 Mazda 6 insurance is possible on the web and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not offer price quotes online and these small insurance companies only sell through independent insurance agencies.

In this article, we covered a lot of ways to compare 2004 Mazda 6 insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheaper insurance coverage. Consumers may even find the best prices are with the least-expected company.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Additional detailed information can be read in the articles below: