Shoppers have lots of choices when shopping for the best price on Mazda 6 insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to compare rates. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the quickest way to compare rates on a Mazda and locate the best price possible.
Finding the best rates is not that difficult. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Drivers only need an understanding of the tricks to shop their coverage around on the web.
Finding Auto Insurance Deals
There are several ways to shop for auto insurance, but there is one way that is easier and takes less work. You can waste hours driving to insurance companies in your area, or you could use online quotes to get the quickest rates.
Most car insurance companies take part in a program where prospective buyers submit one quote, and every company then returns a price quote based on the submitted data. This saves time by eliminating form submissions for each company.
To find out how much you’re overpaying now click here (opens in new window).
The one downside to pricing coverage this way is you don’t know exactly which companies to get pricing from. So if you prefer to choose individual companies to compare, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.
Which method you use is up to you, but make sure you use apples-to-apples coverage limits for every company. If you are comparing different values for each quote you can’t possibly determine which rate is truly the best.
Don’t pay full price with these eight discounts
Auto insurance companies don’t always advertise every available discount in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates on 6 insurance.
- Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount if your company offers it.
- Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
- Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
- Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on 6 insurance than less cautious drivers.
- Low Mileage – Fewer annual miles on your Mazda could be rewarded with better rates on cars that stay parked.
- More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy qualifies for this discount.
- Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
Drivers should understand that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.
For a list of insurers with the best auto insurance discounts, click this link.
Specifics of your auto insurance policy
Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from getting keyed and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for expenses like surgery, dental work, prosthetic devices, nursing services and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible
Collision coverage
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like sideswiping another vehicle, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.
Liability car insurance
This will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for claims like attorney fees, court costs, funeral expenses, medical expenses and medical services. How much coverage you buy is your choice, but buy as much as you can afford.
Final considerations
Cost effective Mazda 6 insurance is definitely available from both online companies as well as from independent agents, so compare prices from both in order to have the best chance of saving money. A few companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. In many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
We just covered a lot of techniques to compare Mazda 6 insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with a small mutual company.
