How Much Does 2014 Mazda Mazda6 Insurance Cost?

Want cheaper auto insurance rates? Drivers have lots of choices when trying to find the best price on Mazda Mazda6 insurance. They can either waste time struggling with agents to compare prices or save time using the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance and you need to know the best way to quote coverages for a new or used Mazda and locate the best price possible.

It’s a good idea to get comparison quotes periodically because prices change regularly. If you had the best rates for Mazda6 insurance a couple years back there may be better deals available now. Forget all the misinformation about auto insurance because we’re going to demonstrate one of the easiest ways to get good coverage at a lower rate.

Insurance Prices Online

There are multiple methods to compare 2014 Mazda Mazda6 insurance quotes, but one way is more efficient than others. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system that enables customers to only type in their quote data once, and each company provides a quote. This prevents consumers from doing repetitive form submissions to each company.

To participate in this free quote system, click here to open in new window.

The only downside to using this type of system is you don’t know exactly which companies you want to price. So if you prefer to choose individual companies to receive pricing from, we have a page of companies who write insurance in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverages with each company. If your comparisons have different liability limits you can’t possibly determine the best price for your Mazda Mazda6.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t always advertise every discount very clearly, so we took the time to find both well-publicized and the more hidden insurance coverage savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Senior Citizens – Older drivers may qualify for reduced rates for Mazda6 insurance.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Driver Safety – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Organization Discounts – Belonging to a professional or civic organization may earn a discount on insurance coverage for Mazda6 insurance.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Mazda6 insurance than drivers with accidents.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurance companies with the best insurance coverage discounts, click here.

Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help you determine whether you would benefit from professional advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Which companies will insure high-risk drivers?
  • Should I carry comprehensive and collision coverage?
  • If I drive on a suspended license am I covered?
  • How can I force my company to pay a claim?
  • Does coverage extend to my business vehicle?
  • How high should deductibles be on a 2014 Mazda Mazda6?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Complexity of Mazda Mazda6 insurance rates

Smart consumers have a good feel for some of the elements that come into play when calculating auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

The list below includes a few of the “ingredients” that factor into your rates.

  • You might want pay the small claims yourself – Car insurance companies give discounts to policyholders who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Proper usage rating affects rates – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your Mazda6 may be wasting your money.
  • Sex matters – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
  • Traffic citations inflate rates – Drivers who don’t get tickets receive lower rates than bad drivers. Only having one speeding ticket can bump up the cost by as much as thirty percent. Drivers who get serious violations like DUI or reckless driving may be required to file a SR-22 with their state motor vehicle department in order to continue driving.

Can you really save that much by switching?

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as Allstate, Geico and Progressive. All the companies say the same thing that you can save if you move your policy.

How does each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of driver that earns them a profit. For example, a profitable customer could possibly be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Consumers who don’t qualify for these standards will be charged higher prices which usually ends up with business not being written. The ad wording is “people who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully make the claims of big savings. That is why drivers should get as many quotes as possible. It’s impossible to know the company that will fit your personal profile best.

Information about specific coverages

Having a good grasp of a car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses such as funeral costs, EMT expenses, doctor visits and nursing services. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from a tornado or hurricane, damage from getting keyed, hitting a bird and hitting a deer. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mazda Mazda6.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance – Liability coverage can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like loss of income, bail bonds, emergency aid, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision insurance covers damage to your Mazda6 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Shop smart and save

When buying insurance coverage, do not skimp on coverage in order to save money. In many cases, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate.

Lower-priced 2014 Mazda Mazda6 insurance can be sourced from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and these regional insurance providers work with independent agents.

People who switch companies do it for a variety of reasons including lack of trust in their agent, policy cancellation, an unsatisfactory settlement offer or even delays in responding to claim requests. Regardless of your reason for switching companies, switching auto insurance companies is easier than you think.

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