Cheaper 2016 Mazda Mazda6 Insurance Rates

Looking for better auto insurance rates for your Mazda Mazda6? Scraping up a payment for expensive Mazda Mazda6 insurance can take a big chunk out of your checking account and make it hard to pay other bills. Price shopping at each renewal is free, only takes a few minutes, and is a good way to cut your insurance bill.

Companies like GEICO and Progressive continually hit you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Insurance Discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts that can help lower your rates. Certain reductions will be credited at quote time, but less common discounts must be requested specifically prior to getting the savings.

  • Telematics Data – Insureds that choose to allow their insurance company to study driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Accident Forgiveness Coverage – but some companies like Allstate and Progressive will let one accident slide without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • Driver Training Discounts – Passing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Bundle and Save – When you combine your home and auto insurance and insure them with the same company you will save nearly 15% which can help you find affordable auto insurance.
  • Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn cheaper insurancerates.
  • Passive Restraints – Vehicles equipped with air bags could see savings of up to 25% or more.
  • Government Employees – Employees or retirees of the government may qualify for a discount when you quote auto insurance for Mazda6 coverage with certain companies.
  • Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.

It’s important to note that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works.

Some of the insurance companies that may offer some of the above discounts include:

Before you buy a policy, ask every prospective company the best way to save money. Some discounts may not be available in every state. To locate insurance companies with the best insurance discounts, click here.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • Am I covered if I crash into my own garage door?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when pulling a rental trailer?
  • What is no-fault insurance?
  • If I drive on a suspended license am I covered?
  • What discounts do I qualify for?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions then you might want to talk 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.

Car insurance companies are expert advertisers

Popular car insurance providers such as State Farm, Allstate and GEICO continually stream ads on television and other media. All the ads try to convey promises that drivers can save some big amount if you get a free auto insurance quote and switch your coverage to them. How can each company make the same claim? It’s all in the wording.

All companies are able to cherry pick for the driver that makes them money. For instance, a preferred risk might be a female over age 40, has no tickets, and does not commute to work. Any new insured that meets those criteria will get very good auto insurance rates and as a result will probably cut their rates substantially.

Consumers who don’t meet these criteria may receive higher prices which leads to business going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently advertise the way they do.

Each company has different criteria, so you really need to compare as many free auto insurance quotes as you can. Because without a comparison, you cannot know which insurance companies will give you lower prices than your current company.

Auto insurance 101

Having a good grasp of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average car insurance policy.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, vandalism, rock chips in glass, damage from getting keyed and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability – This can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different 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 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like attorney fees, emergency aid, pain and suffering, medical expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for pain medications, rehabilitation expenses, ambulance fees and X-ray expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Mazda6 from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, driving through your garage door and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Mazda Mazda6.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

A tidy conclusion

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced liability limits or collision coverage and learned later that it was a big error on their part. Your goal should be to purchase plenty of coverage at the best cost, not the least amount of coverage.

We covered many ways to lower your 2016 Mazda Mazda6 insurance prices. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable auto insurance. You may even find the most savings is with the smaller companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

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