2015 Mazda Mazda6 Insurance Rates – 6 Ways to Save

Are you a victim of an overpriced auto insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Companies like Allstate and Progressive all claim big savings, bombarding you with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

You need to compare prices yearly since insurance rates change regularly. Just because you found the best price for Mazda6 insurance a couple years back there may be better deals available now. You can find a lot of misleading information regarding auto insurance on the internet, so we’re going to give you some solid techniques on how to slash your auto insurance rates.

Pay less for Mazda Mazda6 insurance

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but a few need to be specially asked for before you will receive the discount. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Low Mileage – Fewer annual miles on your Mazda can qualify you for discounted rates on garaged vehicles.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks simply for signing on their website.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.
  • Homeowners Pay Less – Owning a home may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

Drivers should understand that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.

Insurance companies that may have these benefits are:

Before buying, ask each company which discounts you may be entitled to. Some discounts might not apply in your state.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Do I have coverage when using my vehicle for my home business?
  • When should I remove comp and collision on my 2015 Mazda Mazda6?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What exactly is covered by my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

Coverage for medical payments – Med pay and PIP coverage reimburse you for immediate expenses for things like nursing services, surgery, dental work and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mazda Mazda6.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and damage from flooding. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision insurance will pay to fix damage to your Mazda6 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, crashing into a ditch, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical services, medical expenses, structural damage, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Final considerations

We just covered many tips how you can lower your 2015 Mazda Mazda6 insurance rates. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the most savings is with a smaller regional carrier. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

When shopping online for insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Much more information about insurance is located on the following sites: