2007 Mazda Mazda6 Insurance Cost – 7 Tips for Best Prices

Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than most other car owners. Insurance companies such as Geico, Farmers Insurance and State Farm increase brand awareness with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

It’s a great practice to compare prices yearly because insurance rates are usually higher with each renewal. Just because you found the lowest rates on Mazda6 insurance two years ago other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the only way to find better coverage at a better price.

If you have insurance now or need a new policy, you can use these tips to find the best rates and still get good coverage. Finding affordable coverage is not rocket science. Consumers only need to know the proper way to find the lowest price online.

Take these seven discounts and save

Properly insuring your vehicles can get expensive, but you may find discounts that you may not know about. Certain discounts will be applied when you purchase, but some must be manually applied before you get the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Mazda6 insurance.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.

It’s important to note that most credits do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will cut the amount you have to pay.

To see a list of insurance companies who offer auto insurance discounts, click here.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Is other people’s property covered if stolen from my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I insured when driving a different vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Is my cargo covered for damage or theft?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my state a no-fault state?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Save $470 a year. For real?

Consumers can’t ignore all the ads for car insurance savings by companies like Allstate and Progressive. All the companies make an identical promise about savings if you move to them.

How can each company make the same claim?

All the different companies can use profiling for the type of customer that makes them money. A good example of a driver they prefer might be profiled as over the age of 50, has no driving citations, and chooses high deductibles. A customer getting a price quote who matches those parameters will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Drivers who do not match these standards will be quoted higher rates which leads to the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully claim big savings.

This emphasizes why you absolutely need to get a wide range of price quotes. Because you never know which insurance companies will have the lowest Mazda Mazda6 insurance rates.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.

Coverage for liability

This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical services, structural damage, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, pain medications and funeral costs. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a deer and falling objects. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mazda Mazda6.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are similar to your liability insurance amounts.

Collision coverage

Collision coverage covers damage to your Mazda6 caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, rolling your car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

More quotes mean more savings

The cheapest 2007 Mazda Mazda6 insurance is available both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When shopping online for insurance, you should never skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced full coverage and learned later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

In this article, we covered many tips how you can get a better price on insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from the smaller companies. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

More information is located below: