1994 Mazda MX-6 Insurance Quotes – 5 Tricks for Cheaper Rates

Have you finally had enough of scraping nickels together to pay your insurance bill each month? Your situation is no different than many other consumers.

Companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with fancy advertisements and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

It’s smart to do rate comparisons as often as possible because rates change regularly. Even if you think you had the best rate on MX-6 insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because we’re going to show you one of the quickest ways to save on insurance.

Which insurance coverage is cheapest?

There are several ways to compare quotes from many different insurance companies. The fastest way to find competitive Mazda MX-6 insurance rates is simply to get online rate quotes. This is quite simple and can be completed in several different ways.

  1. The most efficient way to get quotes is to use a rate comparison form click here to open form in new window. This quick form keeps you from doing a different quote for each company. In just a few minutes this one form gets prices estimates from multiple companies.
  2. A harder way to find better pricing is spending the time to visit each individual company website and repeat the quote process. For examples sake, let’s say you want to see prices from Liberty Mutual, Esurance and Progressive. To find out each rate you need to spend time going to each site individually and enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  3. If you have time to kill, the last way to find cheaper rates is driving to insurance agencies in your area. The ability to buy insurance online has made agencies unnecessary unless you prefer the advice and guidance that only an agent can give. It is possible with some companies find lower rates online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare exactly the same quote information for every company. If you use different deductibles then you won’t be able to decipher which rate is best. Slightly different coverages may result in a large different in cost. It’s important to know that comparing more rates from different companies helps improve the odds of finding a lower rate than you’re paying now. Not every company provides price estimates online, so you also need to get quotes from those companies as well.

Lower rates by qualifying for these five discounts

Some insurance providers don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using when you buy car insurance online. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
  • Pay Early and Save – By paying your entire bill at once instead of monthly or quarterly installments you can avoid the installment charge.
  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
  • Driver Safety – Successfully completing a course teaching driver safety skills can save you 5% or more and make you a better driver.

Discounts lower rates, but most credits do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

A list of car insurance companies and some of their more popular discounts are included below.

  • GEICO includes discounts for five-year accident-free, multi-vehicle, good student, anti-lock brakes, federal employee, and defensive driver.
  • Auto-Owners Insurance offers discounts including group or association, air bags, student away at school, paperless, and multi-policy.
  • American Family has discounts for mySafetyValet, Steer into Savings, early bird, bundled insurance, air bags, accident-free, and good student.
  • Esurance discounts include safety device, Pac-12 alumni, online quote, claim free, anti-lock brakes, and Switch & Save.
  • Progressive has savings for multi-vehicle, continuous coverage, online quote discount, online signing, and good student.
  • State Farm may include discounts for passive restraint, good driver, multiple policy, anti-theft, accident-free, good student, and safe vehicle.
  • AAA offers discounts for multi-car, AAA membership discount, good student, good driver, and anti-theft.

When getting a coverage quote, ask every prospective company how many discounts you can get. Discounts may not apply to policies in your area.

Insurance coverage is unique, just like you

When choosing adequate coverage, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • Do I have newly-aquired coverage?
  • Can I still get insurance after a DUI?
  • Is my state a no-fault state?
  • Does my 1994 Mazda MX-6 need full coverage?
  • Can I make deliveries for my home business?
  • Is there coverage for injuries to my pets?
  • Does my insurance cover a custom paint job?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Specifics of your insurance policy

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a mailbox, rolling your car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like emergency aid, medical expenses and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, vandalism, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.