2004 Mazda 6 Insurance Cost – 10 Tricks for Cheaper Prices

Are you burned out from sacrificing other expenses to pay your auto insurance bill each month? You are in the same boat as the majority of other consumers. Since consumers have many options, it can be challenging to pick the cheapest auto insurance provider.

Use discounts on car insurance

Car insurance can cost a lot, but you might find some hidden discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you get a quote, but some must be asked for before they will apply.

  • Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save 10% or more off PIP or medical payments premium.
  • College Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Multi-Vehicle Discounts – Insuring several vehicles with one company can reduce rates for all insured vehicles.
  • Renewal Discounts – A few companies offer discounts for buying a policy prior to the expiration date on your current policy. This can save 10% or more.
  • Defensive Driver Discount – Taking a defensive driver course can save you 5% or more and also improve your driving technique.
  • Sign Online – A handful of larger companies provide a small discount for signing up digitally online.
  • Low Miles Discount – Driving fewer miles can earn better rates on cars that stay parked.
  • Cautious Driver Discount – Drivers without accidents may save up to 50% more for 6 insurance than their less cautious counterparts.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if offered at their school.

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

A list of companies and their offered discounts are:

  • Farm Bureau may include discounts for 55 and retired, multi-policy, renewal discount, safe driver, youthful driver, good student, and driver training.
  • State Farm offers discounts for anti-theft, Drive Safe & Save, passive restraint, driver’s education, and multiple policy.
  • Progressive policyholders can earn discounts including multi-policy, good student, continuous coverage, online signing, and homeowner.
  • Allstate offers discounts including multi-policy, passive restraint, premier plus, premier discount, good payer, and senior citizen.
  • Nationwide has savings for easy pay, business or organization, accident-free, good student, multi-policy, anti-theft, and defensive driving.
  • MetLife discounts include good student, multi-policy, good driver, claim-free, defensive driver, and accident-free.

If you want cheap car insurance quotes, ask every insurance company what discounts are available to you. Savings might not be offered in your state.

How to shop car insurance online

There are multiple methods to compare car insurance prices but some are less time-consuming than others. You could spend your day driving to insurance companies in your area, or you can stay home and use the internet for quick rates.

Most of the best insurance companies participate in an industry program that enables customers to send in one quote, and every company provides a quote based on the submitted data. This saves time by eliminating quote forms for every car insurance company. To find out how much you’re overpaying now click here to open in new window.

The single downside to doing it this way is that you can’t choose which companies to get quotes from. So if you prefer to choose individual companies to compare, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, ensure you are comparing identical quote data for each comparison quote. If each company quotes different limits and deductibles on each one it will be impossible to determine which company has the best rates.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining whether your personal situation may require specific advice.

  • Does coverage extend to Mexico or Canada?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I put collision coverage on all my vehicles?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when pulling a rental trailer?
  • Is a blown tire covered by insurance?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Insurance coverage basics

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses like surgery, doctor visits, ambulance fees and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto collision coverage

This coverage will pay to fix damage to your 6 resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Liability insurance

This coverage protects you from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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. You commonly see values 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 a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like legal defense fees, funeral expenses, medical expenses, attorney fees and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive protection

This 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 things like hail damage, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Mazda 6.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

A penny earned…

We just showed you a lot of ways to compare 2004 Mazda 6 insurance premium rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable car insurance. Drivers may discover the best premium rates are with an unexpected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

There are still a few companies who do not offer online rate quotes and most of the time these regional carriers work with independent agents. Low-cost 2004 Mazda 6 insurance is attainable online in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture.

Additional auto insurance information is located on the following sites: