Save on 2014 Mazda Mazda6 Insurance Quotes

Looking for the cheapest car insurance rates for your Mazda Mazda6? Finding lower rates for car insurance is challenging for consumers new to comparison shopping online. There are so many options that it can be a real challenge to locate the lowest price.

If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. This article will teach you the most effective way to quote insurance and some tricks to saving. But vehicle owners need to have an understanding of how big insurance companies sell insurance online and use this information to your advantage.

How to Compare Insurance

There are multiple methods to compare 2014 Mazda Mazda6 insurance quotes, and some are less time-consuming than others. You can waste a lot of time driving to insurance agencies in your area, or you can stay home and use the web to maximize your effort.

The majority of car insurance companies participate in a marketplace that enables customers to send in one quote, and each participating company provides a quote based on that information. This system prevents you from having to do form submissions to each individual insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which companies you will receive quotes from. So if you want to choose specific insurance companies to compare rates, we have a listing of insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, double check that you are using identical coverages for each comparison quote. If you enter different deductibles you can’t possibly truly determine the lowest rate. Just a small difference in limits may result in a large different in cost. And when quoting insurance, remember that having more price comparisons gives you a better chance of getting lower pricing.

Verify you’re getting all your discounts

The cost of insuring your cars can be expensive, but you can get discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but a few need to be specially asked for before you will receive the discount.

• Homeowners Savings – Owning a house can help you save on car insurance because maintaining a house requires personal responsibility.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
• Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
• Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
• Bundle and Save – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.
• Student in College – Kids in college who live away from home and do not have a car may be able to be covered for less.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
• Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will help reduce the cost of coverage.

For a list of companies who offer car insurance discounts, follow this link.

When should I talk to an agent?

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions can help discover if you would benefit from an agent’s advice.

• Can I drive in Mexico and have coverage?
• Do I pay less for low miles?
• Does my medical payments coverage pay my health insurance deductible?
• Should I have a commercial auto policy?
• Which is better, split liability limits or combined limits?
• Do I have coverage for damage caused while driving under the influence?
• Will my insurance pay for OEM parts?
• How can I get high-risk coverage after a DUI?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda Mazda6.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, legal defense fees, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive auto insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, fire damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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

Collision coverage pays for things like crashing into a building, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills like prosthetic devices, dental work, nursing services, hospital visits and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay