2013 Mazda Mazda6 Insurance Cost – 6 Savings Tips

Comparing car insurance quotes online is challenging if you have never taken advantage of price quotes online. But don’t be discouraged because finding better rates is easier than you think.

Consumers should take time to quote other rates occasionally since insurance rates go up and down regularly. If you had the best premium rates for Mazda6 insurance a couple years back a different company probably has better prices today. There is lot of inaccurate information about insurance out there, but in this article, you’re going to get a lot of great tips on how to stop overpaying for insurance.

Cheap auto insurance

When shopping for the cheapest car insurance quotes, there are a couple of ways to compare rate quotes from all the different companies. The simplest method to compare Mazda Mazda6 insurance prices consists of obtaining rate quotes online. This is quite simple and can be completed by using one of the methods below.

  1. If you’re in a hurry, the quickest way to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate forms for every auto insurance company. One simple form compares rates from auto insurance companies with the best prices. It’s definitely the quickest method.
  2. Another way to obtain and compare quotes online requires you to visit each individual company website and get a separate price quote. For sake of this example, we’ll assume you need rates from Auto-Owners, Esurance and Progressive. To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but do your best to enter the same coverage data for each price quote. If you have different liability limits it will be next to impossible to determine the best price for your Mazda Mazda6. Just a small difference in coverage limits can result in a big premium difference. It’s important to know that comparing a wide range of rates helps increase your odds of locating more affordable insurance. Not every company does quotes online, so it’s important to compare quotes from them, too.

Discount insurance coverage rates

Some providers do not list the complete list of policy discounts in an easy-to-find place, so the list below contains a few of the more common and the more hidden ways to save on insurance coverage. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.

  • Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more.
  • Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
  • Passenger Safety Discount – Options like air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save up to 15% on the medical payments or PIP coverage costs.
  • Student in College – College-age children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Save with More Vehicles Insured – Buying insurance for multiple cars or trucks on one policy can get a discount for every vehicle.

Don’t be shocked that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

The best insurance coverage companies and some of their more popular discounts are included below.

  • Mercury Insurance includes discounts for location of vehicle, good driver, age of vehicle, anti-theft, professional/association, annual mileage, and low natural disaster claims.
  • Farmers Insurance discounts include electronic funds transfer, pay in full, mature driver, distant student, and good student.
  • Farm Bureau policyholders can earn discounts including renewal discount, safe driver, driver training, good student, youthful driver, multi-policy, and multi-vehicle.
  • State Farm offers discounts including good driver, passive restraint, driver’s education, Drive Safe & Save, anti-theft, safe vehicle, and multiple autos.
  • Allstate offers premium reductions for anti-lock brakes, 55 and retired, teenSMART discount, auto/life discount, resident student, defensive driver, and anti-theft.
  • GEICO may include discounts for membership and employees, good student, federal employee, military active duty, air bags, emergency military deployment, and five-year accident-free.

Before purchasing a policy, check with each company or agent which discounts they offer. All car insurance discounts might not be offered in your area. To find insurers with the best discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if you may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Is my camper covered by my car insurance policy?
  • How much liability do I need to cover my assets?
  • Why is insurance for a teen driver so high?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Parts of your insurance policy

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability car insurance

This will cover damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, loss of income, structural damage, attorney fees and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Uninsured or underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mazda Mazda6.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Collision protection

Collision coverage covers damage to your Mazda6 caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses such as funeral costs, ambulance fees, X-ray expenses and surgery. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

In the end, you save

A few companies may not have the ability to get quotes online and many times these regional insurance providers sell through independent agencies. Lower-priced 2013 Mazda Mazda6 insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection.

Drivers leave their current company for many reasons like policy cancellation, not issuing a premium refund, high rates after DUI convictions and even delays in responding to claim requests. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

In this article, we presented a lot of tips how to save on 2013 Mazda Mazda6 insurance. It’s most important to understand that the more price quotes you have, the better your chances of lowering your prices. You may even discover the best price on insurance coverage is with a lesser-known regional company.

Additional insurance coverage information can be read at the links below