Mazda 6 Owners Discover the Best Auto Insurance Rates

Trying to find low-cost insurance for your Mazda 6 could be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are more efficient ways to buy auto insurance and you need to know the absolute fastest way to compare rates for your Mazda and find the cheapest rates from both online companies and local agents.

You should make it a habit to compare prices occasionally because rates tend to go up over time. Just because you found the best deal on 6 coverage a year ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about auto insurance because you’re going to learn one of the easiest ways to lower your annual insurance bill.

Compare Quotes for Auto Insurance

Shopping for lower auto insurance rates can be exhausting if you don’t utilize the most efficient way to do it. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use the internet for quick rates.

Many companies take part in a program where insurance shoppers only type in their quote data once, and each participating company then gives them pricing. This prevents consumers from doing repetitive form submissions for every auto insurance company. To participate in this free quote system, click here to start a free quote.

The one disadvantage to getting quotes like this is that consumers can’t choose the companies you will receive quotes from. If you would rather choose individual companies to compare, we put together a list of low cost auto insurance companies in your area. Click to view list.

Which method you use is up to you, but make darn sure you compare identical quote information for each comparison quote. If you compare different liability limits it will be next to impossible to find the best deal for your Mazda 6.

How can State Farm, GEICO and Progressive save drivers who switch?

Drivers can’t ignore all the ads for cheaper car insurance from companies such as State Farm, GEICO and Progressive. They all make an identical promise of big savings if you move your policy.

How does each company say the same thing? This is how they do it.

Insurance companies have a preferred profile for the driver that is profitable for them. An example of a preferred risk could possibly be over the age of 40, owns a home, and drives newer vehicles. Any new insured that hits that “sweet spot” is entitled to the best price and most likely will cut their rates substantially.

Consumers who fall outside the requirements must pay higher premiums and this can result in business not being written. The ad wording is “customers who switch” not “people who quote” save that much. That is how insurance companies can confidently advertise the way they do. This illustrates why drivers should get as many quotes as possible. It’s not possible to predict which insurance companies will have the lowest rates.

Factors that can influence insurance rates for a Mazda 6

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Having a good understanding of what determines base rates enables informed choices that could result in better auto insurance rates. insurance cheap

  • Always keep insurance in force – Allowing your coverage to lapse will be a guaranteed way to pay more for auto insurance. Not only will you pay more, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Is your vehicle built for speed? – The make and model of the car you own makes a big difference in determining your rates. Since the Mazda 6 falls in the luxury pickup/SUV class, insurance will be quite a bit more as compared to the average rate. Economy passenger cars usually have the lowest rates, but there are many factors that impact the final cost.
  • Being married can save on auto insurance – Having a spouse can actually save you money on your policy. It translates into being more mature it has been statistically shown that drivers who are married are more cautious.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the more you will pay for auto insurance. Almost all companies rate vehicles based on their usage. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. If your policy improperly rates your 6 may be wasting your money. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
  • Cautious drivers pay less – Your driving record has a big impact on rates. Even a single speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers who get serious violations such as DUI or reckless driving may be required to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Don’t get talked into coverage you don’t need – There are many additional coverages that you can get tricked into buying on your auto insurance policy. Coverages like roadside assistance, accidental death and motor club memberships may be wasting your money. These coverages may sound good at first, but if you don’t need them get rid of them and save.
  • Your location affects your rates – Residing in a rural area can save you money when insuring your vehicles. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer people means fewer accidents.

Discounts are available to cut your rates

Companies don’t necessarily list all available discounts very well, so the following is a list of both the well known and also the lesser-known ways to save on auto insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Organization Discounts – Participating in a professional or civic organization could trigger savings when buying auto insurance on 6 coverage.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • Distant Student – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on 6 coverage with select insurance companies.
  • Own a Home – Being a homeowner can save you money because maintaining a house requires personal responsibility.

Drivers should understand that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

To choose insurance companies offering auto insurance discounts, follow this link.

When might I need help?

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Are my tools covered if they get stolen from my vehicle?
  • What if I total my Mazda 6 and owe more than it’s worth?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are all vehicle passengers covered by medical payments coverage?
  • Where can I get insurance after a DUI in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

But don’t I need an insurance agent?

Some people would rather sit down with an agent. Insurance agents can help determine the best coverages and help submit paperwork. The best thing about getting online price quotes is that you can obtain lower rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, your insurance coverage information is submitted to companies who will return price quotes for your business. You never need to even leave your home as quotes are delivered to your email. Now that’s easy!

Deciding on an insurance company should depend on more than just the price. Any agent should have no problem answering these questions:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they make recommendations based only on price?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • What insurance companies do they recommend if they are an independent agent?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • How often do they review policy coverages?

Captive or Independent: There is a difference

If you’re trying to find an insurance agent, there are two types of agencies that you can select. Agents are categorized either captive or independent. Either one can insure your vehicles, but it’s important to know how they are different since it can impact buying decisions.

Captive Agents

Captive insurance agents write business for a single company and some examples include AAA, Allstate and State Farm. They generally cannot shop your coverage around so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Some people will only buy insurance from these agents partially due to the brand legacy and the convenience of having all coverages with one company.

quote 6 insurance

Independent Agencies or Brokers

Independent agencies are not employed by any specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When comparing rates, you should always include price quotes from at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.

For a full directory of insurance agents, click here.

After receiving good answers to these questions as well as a affordable price, most likely you have located an auto insurance agent that can provide auto insurance coverage.

Buy online or local, you save

As you shop your coverage around, never skimp on coverage in order to save money. In many cases, drivers have reduced liability coverage limits and learned later that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Cost effective Mazda 6 insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you quite a bit of information on how to lower your Mazda 6 insurance rates. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even find the most savings is with the smaller companies.