Compare 2003 Mazda 6 Insurance Cost

Want lower auto insurance rates for your Mazda 6? Feel like you have an underperforming, overpriced auto insurance policy? It’s a common feeling and there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the best coverage at the cheapest price

It’s a good idea to shop coverage around periodically because auto insurance prices are variable and change quite frequently. If you had the best quotes on 6 insurance a few years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

If you currently have car insurance, you should be able to lower your premiums substantially using this information. Buying car insurance is not that difficult. But car owners need to learn the way companies price online insurance and use this information to your advantage.

Discount car insurance rates

Car insurance is not inexpensive, but you can get discounts that could drop your premiums quite a bit. A few discounts will automatically apply at quote time, but some must be manually applied in order for you to get them.

  • Anti-lock Brake System – Cars with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying coverage for all your vehicles with one company could earn a price break for each car.
  • Distant Student – who attend college more than 100 miles from home and do not have a car may be able to be covered for less.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Bundled Policy Discount – If you can bundle your auto and home insurance with the same insurance company you will save at least 10 to 15 percent or more.
  • Accident-Free Discounts – Drivers who don’t have accidents pay much less as opposed to frequent claim filers.
  • Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off on 6 insurance with select insurance companies.
  • Theft Deterent System – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount because new model year vehicles have to meet stringent safety requirements.

One thing to note about discounts is that most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, that’s just not realistic.

Auto insurance companies that may include many of the previously listed discounts include:

If you want low cost insurance coverage quotes, ask all companies you are considering which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies everywhere. If you would like to choose from a list of providers with discount rates, follow this link.

Tailor your auto insurance coverage to you

When buying coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can aid in determining whether you might need professional guidance.

  • Should I buy full coverage?
  • What are the financial responsibility laws in my state?
  • Should I have combined single limit or split liability limits?
  • When should I buy a commercial auto policy?
  • Does car insurance cover theft of personal property?
  • What is UM/UIM insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance specifics

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Coverage for collisions

This covers damage to your 6 from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, prosthetic devices, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, medical services, attorney fees, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mazda 6.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Get your money’s worth

In this article, we covered many ideas to compare 2003 Mazda 6 insurance prices online. The key concept to understand is the more times you quote, the better likelihood of getting cheap insurance coverage. You may even find the best prices are with a small mutual company. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

The cheapest 2003 Mazda 6 insurance can be found from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not offer rate quotes online and these small, regional companies prefer to sell through local independent agents.

For more information, feel free to browse the resources below: