Save on 2013 Mazda Mazda6 Insurance Quotes

Want cheaper auto insurance rates for your Mazda Mazda6? If you’ve never shopped for auto insurance online, you may be confused by the vast number of online auto insurance companies and websites vying for business.

How to Compare Insurance Coverage Quotes

There are a lot of ways to shop for insurance coverage, but there is one way that is easier and takes less work. You could waste time driving to insurance companies in your area, or you could use online quotes to maximize your effort.

Many companies belong to an insurance system where prospective buyers complete one form, and at least one company can provide price quotes based on the submitted data. This eliminates the need for repetitive form submissions to each individual insurance coverage company. To compare pricing click here (opens in new window).

The single downside to using this type of form is buyers cannot specifically choose the companies you want to price. If you wish to select individual companies to receive pricing from, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

However you get your quotes, make darn sure you compare exactly the same information on every quote. If you are comparing different values for each quote you can’t possibly determine which rate is truly the best. Having just a slight variation in coverages may result in a large different in cost. Keep in mind that having more price comparisons will improve the odds of getting the best offered rates.

Discounts mean cheaper Mazda Mazda6 insurance rates

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be inquired about before you will receive the discount.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Own a Home – Owning a home can save you money because owning a home requires personal responsibility.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Mazda6 insurance with certain companies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will help reduce your overall premium however.

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

It’s a good idea to ask each company what discounts are available to you. Some discounts might not apply in your state.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

For example, these questions could help you determine if you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my 2013 Mazda Mazda6 qualify for pleasure use?
  • Does my policy pay for OEM or aftermarket parts?
  • How can I force my company to pay a claim?
  • Can I drive in Mexico and have coverage?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision – This will pay to fix damage to your Mazda6 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. 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 can pay for claims like medical services, court costs, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for bills such as X-ray expenses, pain medications, doctor visits and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, a tree branch falling on your vehicle, vandalism, theft and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.