View 2015 Mazda 6 Insurance Rates

Shoppers have lots of choices when shopping for the lowest priced Mazda 6 insurance. They can either waste time contacting agents to compare prices or save time using the internet to find the lowest rates. There are both good and bad ways to shop for insurance and we’ll show you the quickest way to price shop coverage for your Mazda and locate the best price possible either online or from local insurance agents.

Consumers need to do rate comparisons yearly since insurance rates are adjusted regularly by insurance companies. Just because you had the lowest rate for 6 coverage a couple years back you will most likely find a better price today. Forget all the misinformation about insurance because you’re going to get a crash course in how to use online quotes to save on insurance.

The quickest way to compare rate quotes is to understand most insurance companies pay for the opportunity to provide you with free rate quotes. The one thing you need to do is provide a little information such as coverage limits, how much education you have, types of safety features, and whether you are single or married. Your insurance information is then sent to many different companies and they provide comparison quotes within a short period of time.

To find the cheapest 2015 Mazda 6 insurance rates, click here and enter your zip code.

Car insurance policy discounts

Not too many consumers would say car insurance is affordable, but you might find some hidden discounts to help offset the cost. Some discounts will apply at quote time, but once in a while a discount must be manually applied in order for you to get them.

  • Paperwork-free – Some of the larger companies will give a small break shop car insurance on your computer.
  • Discounts for New Vehicles – Buying a new car instead of a used car can get you a discount due to better safety requirements for newer models.
  • Seat Belts Save – Requiring all passengers to fasten their seat belts can save a little off the personal injury premium cost.
  • Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
  • Telematics Discount – People who choose to allow driving data submission to scrutinize driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot may see discounts as long as they are good drivers.
  • Government Employee Discount – Active or former government employment could qualify for a slight premium decrease for 6 coverage with select insurance companies.
  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less for 6 coverage than drivers with accidents.

Policy discounts save money, but most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride.

Some companies that may have these money-saving discounts include:

When quoting, ask all the companies to give you their best rates. Some of the discounts discussed earlier might not be offered in your area.

How do I know if I need professional advice?

When buying the best auto insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you will benefit from professional help.

  • What vehicles should carry emergency assistance coverage?
  • Is my babysitter covered when using my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is rental equipment covered for theft or damage?
  • Does my 2015 Mazda 6 qualify for pleasure use?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Insurance coverage considerations

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision – This coverage pays for damage to your 6 from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mazda 6.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, hitting a deer, damage from getting keyed, falling objects and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like doctor visits, hospital visits, surgery and EMT expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like pain and suffering, medical expenses, structural damage, medical services and funeral expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.