Lower Your 2014 Mazda 6 Insurance Quotes

Want lower insurance coverage rates for your Mazda 6? Wish you could get out of an overpriced insurance coverage policy? Believe me when I say you’re not the only one. People have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a choice, so many choices can make it hard to find the best rates for your vehicles.

Components of your Mazda 6 insurance costs

Lots of factors are part of the calculation when quoting car insurance. A few of the factors are predictable like your driving record, but other criteria are more transparent like your vehicle usage or how financially stable you are.The best way to find cheaper auto insurance is to take a look at some of the elements that go into determining your premiums. If you understand what influences your rates, this helps enable you to make changes that may reward you with better auto insurance rates.

The list below includes a few of the “ingredients” that factor into your premiums.

  • Safety first – Safer cars are cheaper to insure. Vehicles built for safety reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and cheaper rates on your policy.
  • Always have auto insurance – Driving without insurance coverage in place is a big no-no and any future policy may cost more because you let your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license.
  • Save money by having excellent credit – Having a bad credit score is a large factor in determining your rates. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your 2014 Mazda 6 by taking the time to improve your credit score. Drivers who have excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings.
  • Higher prices for specific employers – Jobs like judges, social workers and emergency personnel usually pay the highest average rates due to high stress and lots of time spent away from family. Other careers like farmers, engineers and homemakers have lower than average premiums for 6 insurance.

More discounts mean cheap premiums

Auto insurance is expensive, but you may find discounts that can drop the cost substantially. Some discounts will apply when you complete an application, but a few must be asked about in order for you to get them.

  • Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Claim Free – Claim-free drivers pay much less in comparison with insureds who have frequent claims or accidents.
  • Multiple Policy Discount – If you can combine your auto and homeowners policy with the same company they may give you a discount of at least 10% off all policies.
  • Driver’s Education for Students – Require your teen driver to take driver’s ed class in high school.
  • Sign Online – Some larger companies will give a small break for buying your policy on your computer.
  • Own a Home and Save – Just being a homeowner can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction for 6 insurance with select insurance companies.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control are much safer to drive and will save you 10% or more.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower premium rates on the low mileage vehicles.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, you aren’t that lucky. Any qualifying discounts will bring down the cost of your policy.

The best auto insurance companies and a summarized list of policyholder discounts can be found below.

  • GEICO may include discounts for emergency military deployment, anti-lock brakes, seat belt use, multi-policy, and federal employee.
  • Travelers offers premium reductions for payment discounts, save driver, new car, hybrid/electric vehicle, multi-car, and multi-policy.
  • Nationwide may offer discounts for anti-theft, business or organization, family plan, accident-free, defensive driving, and multi-policy.
  • Farmers Insurance discounts include mature driver, business and professional, electronic funds transfer, multi-car, and teen driver.
  • Esurance offers discounts for defensive driver, online quote, safety device, multi-car, and DriveSense.
  • State Farm includes discounts for good driver, student away at school, Drive Safe & Save, safe vehicle, and accident-free.
  • Progressive policyholders can earn discounts including homeowner, online signing, multi-policy, good student, and continuous coverage.
  • Mercury Insurance has savings for anti-theft, good driver, multi-car, multi-policy, good student, and professional/association.

If you are trying to find cheap insurance coverage quotes, ask each company which credits you are entitled to. Some discounts listed above may not be offered in your state. For a list of companies that offer multiple discounts, click this link.

It’s not one size fits all

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your insurance needs might need professional guidance.

  • Is my nanny covered when driving my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why is insurance for a teen driver so high?
  • Is a new car covered when I drive it off the dealer lot?
  • Is business equipment covered while in my vehicle?
  • Is rental equipment covered for theft or damage?
  • How do I insure my teen driver?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Car insurance coverage breakdown

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like doctor visits, prosthetic devices and dental work. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance – This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, emergency aid, attorney fees, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mazda 6.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage – This coverage will pay to fix 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 insurance covers things such as vandalism, damage from flooding and theft. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

At the end of the day…

Discount 2014 Mazda 6 insurance can be bought both online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide rate quotes online and many times these small, regional companies only sell coverage through independent agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice collision coverage only to find out that the savings was not a smart move. The goal is to buy the best coverage you can find at the lowest possible cost.

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