2014 Mazda Mazda6 Insurance Quotes

Trying to find cheaper insurance rates? Buyers have a choice when searching for affordable Mazda Mazda6 insurance. They can either waste time struggling with agents trying to get quotes or use the internet to make rate comparisons.

There are both good and bad ways to compare insurance rates so we’re going to tell you the best way to quote coverages for a new or used Mazda and find the best price possible either online or from local insurance agents.

It is always a good idea to get comparison quotes on a regular basis since insurance rates tend to go up over time. Despite the fact that you may have had the best deal for Mazda6 coverage a few years ago a different company probably has better prices today. Ignore everything you know about insurance because you’re going to learn the easiest way to reduce your cost while increasing coverage.

Earn discounts on car insurance

Some insurers don’t always publicize every available discount in a way that’s easy to find, so below is a list some of the best known in addition to some of the lesser obvious ways to save on car insurance.

  • Safety Course Discount – Participating in a course teaching driver safety skills could cut 5% off your bill and also improve your driving technique.
  • Multiple Policy Discount – If you can bundle your auto and home insurance with the same insurance company you may earn up to 20% and get you cheaper insurance.
  • Multi-line Discount – If the company offers life insurance, you could get a break if you buy a life policy as well.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage can earn discounted premium rates on garaged vehicles.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.

One last thing about discounts, most discounts do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

Companies that may offer quotes with these benefits include:

When quoting, ask each company or agent which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in your state. To choose providers who offer discounts, click here to view.

Buy insurance online

There are a lot of ways to shop for insurance, and some are less labor-intensive and much quicker. You could spend your day talking to insurance agencies in your area, or you could use the web to get the quickest rates.

Many popular insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and each company can give them a price based on that information. This prevents consumers from doing quotation requests to each individual insurance company.

To access this free quoting program, click here to start a free quote.

The one downside to getting quotes like this is you cannot specify which insurance companies you want pricing from. So if you want to select individual companies for rate comparison, we put together a list of companies who write insurance in your area. Click to view list.

The approach you take is up to you, just ensure you are comparing exactly the same coverage limits for each price quote. If you enter different liability limits you will not be able to decipher which rate is best.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether you could use an agent’s help.

  • Who is covered when they drive my 2014 Mazda Mazda6?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my car insurance cover rental cars?
  • I have a DUI can I still get coverage?
  • Do I have coverage when making deliveries for my home business?
  • Am I missing any policy discounts?
  • Is extra glass coverage worth it?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does coverage extend to my business vehicle?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and may give you better protection.

Auto insurance coverages 101

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

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 values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, funeral expenses, emergency aid and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like hospital visits, pain medications and surgery. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle 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

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mazda Mazda6.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Collision protection

This covers damage to your Mazda6 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, damaging your car on a curb, hitting a parking meter, driving through your garage door and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, rock chips in glass, hail damage and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Better coverage you can count on

Consumers change insurance companies for many reasons like questionable increases in premium, high rates after DUI convictions, delays in paying claims or even policy cancellation. Regardless of your reason for switching companies, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

We just showed you many ideas to get a better price on 2014 Mazda Mazda6 insurance. The key thing to remember is the more you quote insurance, the better your comparison will be. You may even find the most savings is with a small mutual company.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone dropped collision coverage only to regret at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

To learn more, take a look at the resources below: