2005 Mazda 6 Insurance Rates – 9 Savings Tips

Looking for cheaper car insurance rates for your Mazda 6? Using the web to shop for car insurance quotes online might sound like a lofty goal if you are one of the many people who have never used online rate comparisons. But don’t give up because using the internet to shop for car insurance is actually quite easy.

It’s smart to price shop coverage every six months due to the fact that insurance rates change regularly. Despite the fact that you may have had the lowest premium rates for 6 coverage on your last policy the chances are good that you can find a lower price today. You can find a lot of wrong information about car insurance online, but I’m going to show you a lot of great tips on how to stop overpaying for insurance.

This article will let you in on how car insurance quotes work. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Although consumers do need to learn the way companies market insurance on the web and take advantage of how the system works.

Get cheap auto insurance with discounts

Companies that sell car insurance don’t always list every discount they offer very clearly, so the next list breaks down some of the more common and also the lesser-known discounts that you may qualify for.

  • ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more.
  • Driver Training Discounts – Taking part in a course that instructs on driving safety can save you 5% or more if your company offers it.
  • Good Student – Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Military Deployment Discount – Having a family member in the military could qualify you for better rates.
  • Professional Organizations – Joining qualifying employment or professional organizations could qualify you for a break on your next renewal.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower auto insurance rate if you buy a life insurance policy as well.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more for 6 coverage than drivers with accidents.
  • Homeowners Pay Less – Just owning your own home can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.

Just know that most of the big mark downs will not be given to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, you aren’t that lucky.

To see insurance companies that provide some of the discounts listed above, click here.

Tailor your insurance coverage to you

When choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when driving someone else’s vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage if my license is suspended?
  • Should I buy additional glass protection?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance specifics

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Mazda 6.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like structural damage, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like doctor visits, X-ray expenses, prosthetic devices, chiropractic care and EMT expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, hitting a deer, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Online plus local equals savings

Drivers change insurance companies for many reasons like poor customer service, policy cancellation, being labeled a high risk driver and lack of trust in their agent. It doesn’t matter what your reason, choosing a new company can be less work than you think.

As you prepare to switch companies, you should never skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Lower-priced car insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. A few companies may not provide the ability to get a quote online and these smaller companies only sell coverage through local independent agents.

More detailed car insurance information is available in the articles below: