2010 Mazda 6 Car Insurance Rates – 6 Tricks for Cheaper Quotes

Locating better insurance prices for a Mazda 6 can be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to find insurance online so you’re going to learn the absolute fastest way to get price quotes for a new or used Mazda and get the best price possible either online or from local insurance agents.

It’s a great practice to compare rates before your policy renews because insurance rates change frequently. Even if you think you had the best rate for 6 insurance on your last policy a different company probably has better prices today. Forget all the misinformation about insurance because you’re going to get a crash course in the quickest way to save money, get proper coverage and the best rates.

Shopping for affordable protection is simple if you know the tricks. If you have a policy now or are shopping for new coverage, you can use these techniques to find better prices while maximizing coverage. Vehicle owners just need to understand the proper way to find the lowest price on the web.

How to buy auto insurance online

Finding low cost 2010 Mazda 6 auto insurance rates doesn’t have to be difficult. Just take the time to compare rate quotes to find out which insurance company has inexpensive insurance quotes. It’s super easy and can be done using a couple different methods.

Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do boring form submissions to each individual auto insurance company. Filling out one form gets you price quotes from multiple companies. This is perfect if you don’t have a lot of time.

A slightly less efficient method to get quotes online is spending the time to visit the website for each individual company and go through the quote process again. For instance, let’s say you want rates from Farmers, Allstate and American Family. You would be required to visit each site and repeatedly type in your coverage information, which is why the first method is quicker. For a list of companies in your area, click here.

Whichever method you choose, ensure you’re using the exact same coverage limits and deductibles on every quote you get. If you enter different data it will be next to impossible to find the best deal for your Mazda 6.

Auto insurance discounts help cut rates

Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not even know about. Most are applied when you complete an application, but some need to be asked about in order for you to get them. If you’re not getting every credit you qualify for, you may be paying too high a price.

Waiver for an Accident – but some insurance companies will turn a blind eye to one accident without raising rates so long as you are claim-free for a certain period of time.
Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.
Distant College Student Discount – Any of your kids who live away from home at college and leave their car at home can be insured at a reduced rate.
Air Bag Discount – Factory air bags can receive discounts of up to 25% or more.
Life Insurance – Select auto insurance companies reward you with better prices if you take out a life policy as well.
Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill and easily pay for the cost of the class.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

A few of the larger companies and a partial list of their discounts are shown below.

State Farm discounts include safe vehicle, good student, anti-theft, Steer Clear safe driver discount, accident-free, and driver’s education.
American Family offers discounts including defensive driver, accident-free, good student, air bags, and bundled insurance.
Geico may include discounts for membership and employees, five-year accident-free, good student, multi-policy, and emergency military deployment.
21st Century has discounts for air bags, 55 and older, defensive driver, anti-lock brakes, early bird, homeowners, and good student.
Progressive includes discounts for homeowner, multi-policy, multi-vehicle, online signing, and good student.

Before you buy a policy, ask each insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to view auto insurance companies that have a full spectrum of discounts, click here.

Which is the best insurance coverage?

When it comes to buying proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether you may require specific advice.

Does car insurance cover theft of personal property?
How much liability insurance is required?
Are there companies who specialize in insuring high-risk drivers?
Do I have coverage when making deliveries for my home business?
Will I lose any money if I cancel my policy before it expires?
Is extra glass coverage worth it?
Does my policy cover my teen driver if they drive my company car?
Should I have combined single limit or split liability limits?
Where can I get insurance after a DUI in my state?
Exactly who is provided coverage by my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Information about specific coverages

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, pain medications and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, crashing into a ditch, sideswiping another vehicle, rolling your car and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, a broken windshield, vandalism and damage from flooding. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Mazda 6.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Liability

This coverage provides protection from injuries or damage you cause to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, funeral expenses, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.