Three Steps to Cheaper Mazda 6 Insurance
If shopping for auto insurance was more enjoyable, it would get done more often. Unfortunately, it's not always as easy as it sounds to get the best rate. Buying insurance on your Mazda 6 might leave you feeling the same way.
Step One: Compare Rates
In years past, the only way to purchase car insurance was to visit the office of a local agent. Now you can compare rates and buy a policy online!
All the major car insurance companies sell insurance for a Mazda 6 and you can compare their rates by entering your information only one time.
To find affordable coverage for your Mazda 6, the first step is to click the link below and complete the short form.
Apples-to-Apples! When doing comparison quotes for your Mazda 6, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Tricks to Saving Money on Mazda 6 Insurance
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Mazda 6 insurance rates.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- Due to the sporty nature of the Mazda 6, expect to pay a little more to insure it. Sport cars have higher rates than passenger vehicles due to the increased acceleration and tendancy of the drivers to use it.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Mazda 6 is on the list of the most frequently stolen cars, you might be paying just a little extra.
Step Three: Make an Informed Buying Decision
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
If the Mazda 6 is a new purchase and you already have car insurance, then you will have some coverage that extends to the vehicle. But if you let your old policy lapse or have never had coverage, you don't have any protection once you buy the vehicle. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Mazda 6. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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