Save on 2006 Mazda 6 Car Insurance Cost

There isn’t anyone who is fond of buying auto insurance, especially when they are aware that it costs too dang much.

People have multiple insurance companies to pick from, and even though it’s nice to have a selection, too many choices makes it more difficult to find the lowest rates.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Nevertheless, car owners need to learn the way insurance companies sell insurance online.

How to buy insurance coverage

There are several ways to compare insurance coverage prices and some are more efficient than others. You can waste a few hours (or days) talking to agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company returns a competitive quote based on that data. This prevents consumers from doing quotation requests to each individual insurance coverage company.

To compare pricing click here (opens in new window).

The only drawback to using this type of system is that you can’t choose which carriers to receive prices from. If you would rather choose from a list of companies to receive pricing from, we put together a list of low cost insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just be sure to compare equivalent coverage data for each price quote. If you compare different liability limits you will not be able to get a fair rate comparison. Just a small difference in insurance coverages could skew the results. And when quoting insurance coverage, remember that quoting more helps improve the odds of finding the best price. Some smaller insurers to not give online rate quotes, so you need to compare price estimates from the smaller companies as well.

Use discounts on insurance coverage

Companies that sell car insurance do not list all disounts in an easy-to-find place, so the following is a list of both the well known as well as some of the hidden credits that may apply to you.

  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% on medical payment and PIP coverage.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on auto insurance quote in comparison to frequent claim filers.
  • Driver Education Discount – Require your teen driver to enroll in driver’s education if offered at their school.
  • Military Discounts – Being deployed with a military unit could qualify you for better insurance coverage rates.
  • Senior Citizen Discount – Mature drivers can get a discount up to 10% for 6 insurance.
  • Club Memberships – Being a member of qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
  • Student in College – Any of your kids who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
  • Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you could save 5% or more.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less because newer vehicles keep occupants safer.

It’s important to note that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

To see insurance coverage companies with discount insurance coverage rates, click here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions can help discover whether or not you will benefit from professional help.

  • Is my state a no-fault state?
  • Which companies will insure high-risk drivers?
  • At what point should I drop full coverage?
  • Do I need rental car coverage?
  • Do I have newly-aquired coverage?
  • Do I really need UM/UIM coverage?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Why you might pay higher rates

Consumers need to have an understanding of the different types of things that help determine your premiums. If you have some idea of what influences your rates, this allows you to make good choices that could result in lower rates. Many different elements are taken into consideration when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are more transparent such as whether you are married or your financial responsibility.

  • Multiple policies with one company can save – Most auto insurance companies allow lower prices to insureds that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, you still need to shop around to ensure the best deal.
  • If you don’t need it don’t buy it – There are a ton of optional add-on coverages that you can get tricked into buying on your auto insurance policy. Add-on coverages like replacement cost coverage, death and dismemberment, and motor club memberships could be just wasting money. They may seem good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Frequent insurance claims will cost you more – Car insurance companies give lower rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is intended for larger claims.
  • Lower rates for safer vehicles – Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and any reduction in injury severity means lower claim amounts which can result in lower premiums. If your Mazda has at least four stars on Safercar.gov it is probably cheaper to insure.
  • Low comp and collision deductibles mean high premiums – Deductibles for physical damage state the amount of money you are required to spend before a claim is paid by your company. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Examples of some claims that would be covered are colliding with a stationary object, vandalism, or theft of your vehicle. The higher the amount you’re willing to pay, the less money you will pay for auto insurance for 6 insurance.
  • Which gender costs less? – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Both genders cause fender benders at about the same rate, but males have accidents that have higher claims. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving.

Be skeptical of auto insurance ads

Popular auto insurance providers such as Allstate and Progressive endlessly run ads on television and other media. They all have a common claim that drivers will save a bundle if you get a free auto insurance quote and switch your policy. It sounds good, but how can they all give you a better price?

Different companies have underwriting criteria for the type of customer that will most likely be profitable. An example of a desirable risk may be between 25 and 40, carries full coverage, and does not commute to work. A customer getting a price quote who matches that profile will get low prices and have a good chance to save quite a bit of money when switching.

Potential insureds who are not a match for the requirements may be required to pay a more expensive rate and this can result in the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can make the claims of big savings. Because of the profiling, drivers should get auto insurance quotes from several different companies. It’s not possible to predict which insurance companies will fit you best based on your risk profile.

Specific coverages for a 2006 Mazda 6

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 2006 Mazda 6.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision can pay for claims like crashing into a building, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Liability coverages

Liability insurance will cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like medical expenses, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like funeral costs, doctor visits and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

A penny saved is a penny earned

As you prepare to switch companies, do not buy poor coverage just to save money. In too many instances, an insured dropped full coverage only to discover later that the small savings ended up costing them much more. Your focus should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

We just presented some good ideas how to save on 2006 Mazda 6 insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding low cost auto insurance. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

More detailed auto insurance information is available by following these links: