2004 Mazda Mazda6 Car Insurance Quotes – 8 Tips to Save

Buying discount insurance coverage might appear overwhelming for beginners to online price comparisons. With dozens of online companies available, how can consumers have the ability to compare every insurance coverage company to find the best pricing?

Consumers need to do rate comparisons once or twice a year because insurance rates trend upward over time. Even if you got the lowest rate on Mazda6 coverage six months ago a different company probably has better prices today. You’ll find a ton of advice on insurance coverage online, but in a few minutes you can learn some of the best techniques to find affordable insurance coverage.

How to get free car insurance quotes online

There are several ways to compare prices from car insurance companies in your area. One of the best ways to compare 2004 Mazda Mazda6 insurance prices is simply to get online rate quotes. This is quite simple and can be completed in a couple minutes as outlined below.

  1. If you’re in a hurry, the quickest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating separate quotes for every prospective company. One quote request gets prices estimates instantly.It’s the quickest way to get rates.
  2. A more difficult way to shop for car insurance online is spending the time to visit each individual company website and fill out a new quote form. For example, we’ll assume you want to compare GEICO, State Farm and Allstate. You would need to go to each individual site and enter your information, which can get old fast. For a list of companies in your area, click here.
  3. The last method to find cheaper rates is making phone calls or going to insurance agents’ offices. Comparing rate quotes online eliminates the middleman unless you’re the type of person who wants the professional assistance only provided by licensed agents. Drivers can price shop online but still have the advice of a local agent.

Whichever way you choose to compare rates, compare exactly the same coverage data for every quote you compare. If you are comparing unequal deductibles or liability limits then you won’t be able to determine the best price for your Mazda Mazda6. Slightly different coverages can make a big difference in price. And when comparing car insurance rates, know that quoting more will increase your chances of finding more affordable insurance.

Cheaper rates by taking advantage of these eight discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even know about. Some discounts will apply at quote time, but occassionally some discounts must be asked about in order for you to get them.

  • Homeowners Pay Less – Owning your own home or condo can help you save on car insurance because it requires a higher level of personal finance.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
  • Seat Belts Save – Drivers who require all occupants to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
  • Bundled Policy Discount – If you have multiple policies with the same insurance company you may save nearly 15% which can help you find the cheapest auto insurance.
  • Responsible Driver Discount – Insureds who avoid accidents may save up to 50% more on Mazda6 coverage than drivers with accident claims.
  • College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car may be able to be covered for less.

Don’t be shocked that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will bring down your policy premium.

Larger car insurance companies and their possible discounts are detailed below.

  • GEICO offers discounts including defensive driver, five-year accident-free, air bags, driver training, and emergency military deployment.
  • MetLife may include discounts for claim-free, good student, accident-free, good driver, multi-policy, defensive driver
  • State Farm offers discounts for multiple policy, anti-theft, Drive Safe & Save, good driver, and Steer Clear safe driver discount.
  • Progressive policyholders can earn discounts including homeowner, continuous coverage, multi-vehicle, online quote discount, and good student.
  • Mercury Insurance may have discounts that include accident-free, location of vehicle, type of vehicle, good student, professional/association, and age of vehicle.
  • 21st Century offers premium reductions for anti-lock brakes, air bags, defensive driver, theft prevention, driver training, and teen driver.
  • Allstate has savings for anti-lock brakes, eSmart discount, teenSMART discount, farm vehicle, FullPay discount, and defensive driver.

If you want the cheapest auto insurance quotes, ask every prospective company the best way to save money. A few discounts may not apply to policies in your area.

How much insurance coverage do I need?

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Each situation is unique.

For instance, these questions can aid in determining if you might need professional guidance.

  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to Mexico or Canada?
  • Should I have a commercial auto policy?
  • How high should deductibles be on a 2004 Mazda Mazda6?
  • Can my teen drive my company car?
  • Am I covered if I drive in a foreign country?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

The coverage is in the details

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills like pain medications, doctor visits, hospital visits and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers 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 only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, medical services, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is up to you, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Mazda Mazda6.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hail damage, a tree branch falling on your vehicle, hitting a bird and vandalism. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

This will pay to fix damage to your Mazda6 from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Shop Smart and Save

When shopping online for insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed collision coverage and learned later they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at the best possible price while still protecting your assets.

Discount 2004 Mazda Mazda6 insurance is definitely available from both online companies as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not offer price quotes online and many times these smaller companies provide coverage only through local independent agencies.

Throughout this article, we presented quite a bit of information on how to compare 2004 Mazda Mazda6 insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best price on insurance coverage is with some of the lesser-known companies.

Even more information can be found at these sites: