Cheap 2016 Mazda 6 Insurance Quotes

Buyers have options when searching for the lowest priced Mazda 6 insurance. They can either waste time driving around trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to buy insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Mazda and get the best price possible from both online companies and local agents.

It’s a good idea to check insurance prices once or twice a year because rates change regularly. Just because you had the best deal for 6 coverage a year ago you can probably find a better price now. Ignore everything you know about insurance because you’re about to find out the quickest way to eliminate unnecessary coverages and save money.

This article will help educate you on the best way to quote coverages and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Vehicle owners just need to know the best way to get comparison rates on the web.

Get Mazda 6 insurance more affordably

It’s important that you understand the rating factors that aid in calculating your insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that may reward you with cheaper rates.

The list below includes some of the factors used by your company to calculate your rate level.

  • Youthful drivers pay high costs – Drivers with little experience have a tendency to be inattentive in a vehicle and because of this, their insurance rates are much higher. Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents , and are generally more financially stable.
  • Big city or small town – Residing in areas with lower population has definite advantages if you are looking for the lowest rates. Fewer drivers and short commutes means less chance of accidents and also fewer theft and vandalism claims. City drivers regularly have traffic congestion and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • Save money by raising coverage deductibles – Coverage for physical damage, aka comp and collision, is used to repair damage to your vehicle. Some examples of covered claims are a broken windshield, damage caused by hail, and windstorm damage. Your deductibles state the amount of money you are required to spend if you file a covered claim. The more the insured has to pay upfront, the less money you will pay for insurance for 6 coverage.
  • Being married is a good thing – Having a spouse actually saves money compared to being single. Having a significant other translates into being less irresponsible and it’s proven that married drivers tend to have fewer serious accidents.
  • Liability coverage risk factors in – Your insurance policy’s liability coverage will provide protection when you are found to be at fault for an accident. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Responsible credit scores equal low prices – A driver’s credit history can be a huge factor in your rate calculation. Therefore, if your credit rating is lower than you’d like, you may save money insuring your 2016 Mazda 6 by taking the time to improve your credit score. People that have excellent credit scores tend to be more responsible and file fewer claims than drivers who have bad credit.
  • Incidental coverages can cost a lot – There are many additional coverages that can add up if you aren’t careful. Things like replacement cost coverage, death and dismemberment, and extra equipment coverage may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Put fewer miles on your vehicle – Driving a lot of miles each year the more you’ll pay to insure your vehicle. A lot of companies calculate rates based upon how the vehicle is primarily used. Autos left parked in the garage cost less to insure as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your insurance declarations sheet shows the correct usage for each vehicle, because it can save money. An improperly rated 6 can cost quite a bit.

How to shop insurance online

Cutting your insurance rates can be relatively painless. You just need to take a few minutes getting comparison quotes to find out which insurance company has low cost car insurance quotes. This is very easy and can be done in a couple of different ways.

  1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing separate quote forms for every prospective company. Filling out one form gets prices estimates from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to find lower rates is to take the time to go to each company’s website and complete a new quote form. For sake of this example, let’s say you want to view quotes from State Farm, 21st Century and GMAC. You would need to take the time to go to each site and type in your information over and over, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

However you get your quotes, make absolute certain that you use the exact same quote data on every quote you get. If you enter different data it will be next to impossible to make a fair rate comparison.

But the ad said I’d save 15% in 15 minutes!

Drivers can’t get away from ads that claim the cheapest prices by State Farm, Geico and Progressive. They all make an identical promise about saving some big amount after switching to them.

How is it possible that every company can make the same claim? This is the trick they use.

Insurance companies quote their cheapest rates for the type of customer that will most likely be profitable. A good example of a profitable insured may need to be between the ages of 30 and 45, owns their home, and does not commute to work. Any person that hits that “sweet spot” will get a cheap rate quote and will save when they switch companies.

Potential customers who do not fit the “perfect” profile must pay higher premium rates with the end result being the customer not purchasing. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully lure you into getting a quote.

Because of these techniques, you really should do a quote comparison often. Because without a comparison, you cannot know with any certainty which company will provide the lowest rates.

Take policy discounts and save

Companies that sell car insurance don’t necessarily list their entire list of discounts very well, so the following is a list of a few of the more well known and also the more inconspicuous ways to save on insurance coverage.

  • Telematics Data – People who choose to allow driving data collection to spy on driving patterns by using a small device installed in their vehicle like Allstate’s Drivewise could possibly reduce rates if they have good driving habits.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
  • Home Ownership Discount – Owning your own home or condo may earn you a small savings since home ownership means you have a higher level of financial diligence.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for 6 coverage.
  • Accident Forgiveness – Not really a discount, but some insurance companies permit an accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Renewal Discounts – A few larger companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Low Mileage Discounts – Low annual miles may allow you to get substantially lower rates.
  • Government Employees – Employees or retirees of the government can save as much as 8% for 6 coverage with select insurance companies.
  • Club Memberships – Participating in a professional or civic organization can get you a small discount when shopping for insurance coverage.

While discounts sound great, it’s important to understand that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will definitely lower the amount you pay for coverage.

A list of companies and their offered discounts are outlined below.

  • 21st Century policyholders can earn discounts including homeowners, automatic seat belts, student driver, teen driver, anti-lock brakes, and good student.
  • State Farm may have discounts that include multiple autos, good driver, multiple policy, anti-theft, Drive Safe & Save, safe vehicle, and defensive driving training.
  • AAA has savings for multi-policy, education and occupation, good driver, pay-in-full, and good student.
  • Liberty Mutual includes discounts for safety features, new vehicle discount, good student, preferred payment discount, and new graduate.
  • Progressive offers discounts for multi-policy, homeowner, continuous coverage, good student, and online quote discount.

If you need cheap car insurance quotes, ask every prospective company to apply every possible discount. All car insurance discounts may not be available in your area. To see a list of companies that offer discounts, click this link.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • Do I have coverage if my license is suspended?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need motorclub coverage?
  • Will my insurance pay for OEM parts?
  • What is PIP insurance?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Car insurance 101

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability auto insurance – This coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, funeral expenses, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive auto coverage – This coverage pays to fix your vehicle from 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 claims such as rock chips in glass, vandalism, a broken windshield, damage from flooding and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, rolling your car, backing into a parked car, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, ambulance fees and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the 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 and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Mazda 6.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Do the work, save more money

When searching for inexpensive car insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut physical damage coverage only to regret at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at the lowest possible cost.

Drivers switch companies for a variety of reasons including high rates after DUI convictions, questionable increases in premium, unfair underwriting practices or even policy non-renewal. It doesn’t matter what your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

We just covered quite a bit of information on how to shop for 2016 Mazda 6 insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive car insurance. You may even discover the biggest savings come from an unexpected company.

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