2011 Mazda Mazda6 Car Insurance Rates – 6 Tips for Cheaper Quotes

Want the cheapest auto insurance rates? Drivers have lots of choices when trying to find the lowest priced Mazda Mazda6 insurance. You can either waste hours calling around to compare prices or save time using the internet to get rate quotes. There are both good and bad ways to shop for auto insurance and you need to know the proper way to price shop coverage for a Mazda and locate the cheapest rates either online or from local insurance agents.

How to Get Cheap Car Insurance

Getting better 2011 Mazda Mazda6 car insurance pricing can be surprisingly simple. You just have to spend a little time comparing price quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The first (and easiest) way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do a different quote for every car insurance company. Taking the time to complete one form will return price quotes instantly.It’s the quickest way to get rates.
  • A harder way to shop for car insurance online is to manually visit the website for every company you want to comare to complete their respective quote request forms. For instance, let’s assume you want rates from Progressive, Safeco and Travelers. You would have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The least recommended way to get comparison rates is to spend your day driving to and from local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you prefer the professional advice only provided by licensed agents. You can, however, obtain prices from the web but still have the advice of a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverages for each comparison quote. If the quotes have higher or lower deductibles it’s not possible to find the best deal for your Mazda Mazda6.

Do car insurance companies bend the truth?

Consumers can’t get away from ads for car insurance savings from the likes of Allstate, Geico and Progressive. They all make the same claim that you can save if you move your coverage to them.

But how can every company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the driver that makes them money. For example, a profitable customer could be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who fall outside this ideal profile will have to pay higher prices and this can result in business going elsewhere. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully make those claims. Because of the profiling, drivers should compare as many rates as you can. It’s not possible to predict which insurance companies will provide you with the cheapest Mazda Mazda6 insurance rates.

Save money by taking advantage of these six discounts

Auto insurance companies don’t necessarily list every available discount very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for Mazda6 coverage depending on your company.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% for Mazda6 coverage.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free insurance policy, it doesn’t quite work that way.

Car insurance companies that may have these benefits may include but are not limited to:

Check with all companies you are considering which discounts they offer. Discounts might not be offered in your state.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might help in determining if you would benefit from professional advice.

  • Do I need higher collision deductibles?
  • Does my 2011 Mazda Mazda6 qualify for pleasure use?
  • Why does it cost so much to insure a teen driver?
  • Can my teen drive my company car?
  • How do I insure my teen driver?
  • Do I pay less if my vehicle is kept in my garage?
  • Will my rates increase for filing one claim?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability coverages

This will cover damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, 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 can pay for things such as attorney fees, legal defense fees and medical expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Comprehensive coverage

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

Comprehensive can pay for things like fire damage, vandalism and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays for damage to your Mazda6 resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, scraping a guard rail, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda Mazda6.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like hospital visits, nursing services, surgery, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Shop. Compare. Save.

We just showed you some good ideas how you can save on 2011 Mazda Mazda6 insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a lesser-known regional company.

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Consumers leave their current company for many reasons like unfair underwriting practices, high rates after DUI convictions, denial of a claim and even being labeled a high risk driver. Regardless of your reason, finding a great new company is easier than you think.

Much more information about insurance coverage is located at the links below