Lower Your 2011 Mazda Mazda6 Car Insurance Quotes

High-priced car insurance can empty your checking account and force you to make sacrifices. Performing a price comparison is a great way to lower your bills every month.

Vehicle owners have so many car insurance companies to insure vehicles with, and even though it’s nice to be able to choose, so many choices can make it hard to find the best rates.

It is always a good idea to compare prices once or twice a year due to the fact that insurance prices are rarely the same from one policy term to another. Just because you had the best rate on Mazda6 coverage a few years ago you can probably find a better premium rate now. Ignore everything you know about car insurance because you’re about to learn the only way to save money, get proper coverage and the best rates.

Verify you’re getting every discount

Auto insurance is expensive, but there are discounts available to reduce the price significantly. Some of these disounts will be visible when you get a quote, but some need to be asked about before you will receive the discount.

  • Discounts for Federal Employees – Simply working for the federal government can save as much as 8% on Mazda6 coverage with a few auto insurance companies.
  • College Student Discount – who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • No Claim Discounts – Drivers who don’t have accidents get the best auto insurance rates compared to frequent claim filers.
  • Mature Driver Discount – Older drivers can get a small discount on rates on Mazda6 coverage.
  • Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because newer models keep occupants safer.
  • Membership in Organizations – Joining a qualifying organization can get you a small discount on your bill.
  • Driver’s Ed – Have your child participate in a local driver’s education class in school.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Some of the insurance companies who might offer some of the above discounts include:

Before purchasing a policy, check with all the companies how you can save money. Some of the discounts discussed earlier may not be available in your state.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different so this has to be addressed. For example, these questions could help you determine if your situation will benefit from professional help.

  • Who is covered by my policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my policy pay for OEM or aftermarket parts?
  • Why am I required to get a high-risk car insurance policy?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for collisions

Collision insurance pays for damage to your Mazda6 caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, hitting a mailbox, scraping a guard rail, crashing into a building and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage pay for expenses for pain medications, ambulance fees, dental work, prosthetic devices and funeral costs. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability

Liability insurance will cover damages or injuries you inflict on other people or property. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, medical services and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, a broken windshield, hail damage, damage from flooding and hitting a bird. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Summing up your insurance search

When searching for cheaper car insurance quotes, you should never reduce needed coverages to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits and learned later that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

You just learned a lot of information how to get a better price on 2011 Mazda Mazda6 insurance. The key concept to understand is the more you quote car insurance, the better your chances of lowering your premium rates. You may be surprised to find that the lowest priced insurance comes from an unexpected company. Regional companies often have lower premium rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.

More detailed insurance information can be read in these articles: