Cheap 2016 Mazda 6 Insurance Cost

Trying to find the cheapest car insurance rates for your Mazda 6? Are you sick and tired of not being able to scrape enough together to pay high car insurance rates every month? You have the same problem as many other drivers.

Having so many companies and agents to choose from, it can be impossible to locate a lower cost car insurance provider.

It’s important to price shop coverage at least once a year since prices change frequently. If you had the lowest rate for 6 coverage on your last policy there may be better deals available now. Forget all the misinformation about car insurance because we’re going to show you how to use online quotes to find better rates and still maintain coverage.

Finding car insurance

When looking for cheap insurance coverage quotes, there are a couple ways to compare rate quotes from many different insurance companies. The recommended way to do a complete rate comparison is simply to get online rate quotes. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to get quotes is to use a rate comparison form (click to open form in new window). This style of form saves time by eliminating separate quotation requests for every prospective company. A single form gets you price quotes from several companies.
  2. A different way to analyze rates is spending the time to visit each company website and fill out their own quote form. For example, we’ll pretend you want comparison quotes from Farmers, Liberty Mutual and Progressive. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which can take a lot of time. To view a list of companies in your area, click here.

How you compare quotes is your choice, just ensure you are comparing the exact same coverages on every quote. If the quotes have differing limits it will be next to impossible to truly determine the lowest rate. Even a minor difference in limits can make a big difference in price. It’s important to know that comparing a wide range of rates helps locate more affordable rates. Not every company provides online quotes, so you also need to get rates on coverage from those companies, too.

Do you qualify for discount insurance?

Some insurers don’t always publicize the complete list of policy discounts in an easy-to-find place, so the list below contains both well-publicized in addition to some of the lesser obvious discounts that you may qualify for. If you check and find you aren’t receiving every discount available, you could be saving more on your insurance.

  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance.
  • Responsible Driver Discount – Insureds who avoid accidents could pay up to 40% less for 6 coverage as compared to drivers with claims.
  • New Vehicle Savings – Buying a new car instead of a used car can cost up to 25% less since newer models are generally safer.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote insurance coverage for 6 coverage with some insurance companies.
  • Defensive Driver – Passing a safe driver course could save 5% or more if you qualify.
  • Claim Free – Drivers with accident-free driving histories pay much less compared to insureds who have frequent claims or accidents.
  • Multi-car Discount – Having more than one vehicle with the same insurance company can get a discount for every vehicle.
  • Discount for Low Mileage – Low annual miles could be rewarded with better insurancerates on cars that stay parked.
  • Military Deployment Discount – Having an actively deployed family member could mean lower premium rates.
  • Passive Restraint Discount – Factory air bags or motorized seat belts could see savings of 20% or more.

Don’t be surprised that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

Large insurance companies and a partial list of their discounts are:

  • State Farm has savings for Drive Safe & Save, driver’s education, student away at school, good driver, accident-free, multiple policy, and passive restraint.
  • Farmers Insurance has discounts for mature driver, pay in full, teen driver, early shopping, and homeowner.
  • Progressive discounts include online quote discount, continuous coverage, multi-policy, multi-vehicle, good student, homeowner, and online signing.
  • Geico offers discounts for multi-policy, military active duty, anti-lock brakes, multi-vehicle, driver training, and federal employee.
  • Auto-Owners Insurance may offer discounts for mature driver, company car, paid in full, safe vehicle, anti-lock brakes, and multi-policy.
  • The Hartford may include discounts for defensive driver, vehicle fuel type, good student, air bag, and bundle.
  • Farm Bureau policyholders can earn discounts including multi-policy, renewal discount, good student, 55 and retired, youthful driver, multi-vehicle, and driver training.
  • USAA offers discounts including new vehicle, military installation, family discount, multi-vehicle, and driver training.

It’s a good idea to ask all the companies which discounts you may be entitled to. Depending on the company, some discounts may not apply to policyholders in your state. To view insurance companies with discount rates, click here to view.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining whether or not you would benefit from professional advice.

  • When should I remove comp and collision on my 2016 Mazda 6?
  • Am I insured when driving a different vehicle?
  • What is medical payments coverage?
  • Should I have combined single limit or split liability limits?
  • Should I have a commercial auto policy?
  • Do I need roadside assistance coverage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Information about specific coverages

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Liability insurance

This provides protection from damage that occurs to people or other property. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, bail bonds, legal defense fees, attorney fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Collision protection

Collision insurance pays for damage to your 6 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, rolling your car, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, a broken windshield, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, surgery, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage