2014 Mazda Mazda6 Car Insurance Cost

I can’t think of anyone who anticipates paying for auto insurance, particularly when it costs too dang much.

Due to the increasing number of different company options, it can be challenging to locate a more affordable auto insurance provider.

You should take the time to shop coverage around yearly because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for Mazda6 coverage on your last policy a different company probably has better premium rates today. There are a lot of ways to save on auto insurance online, but we’re going to give you some excellent ideas to buy auto insurance cheaper.

Finding the best rates is not that difficult. Essentially everyone who has to buy insurance coverage stands a good chance to be able to find better rates. But drivers can benefit from knowing the methods companies use to determine prices and use this information to your advantage.

Compare free auto insurance rate quotes

Performing a rate comparison can be a daunting task if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with insurance companies in your area, or you could save time and use the web to get pricing more quickly.

Most major companies enroll in a system where prospective buyers complete one form, and at least one company returns a rated price based on the submitted data. This system prevents you from having to do quote forms for each company.

To compare rates now click here (opens in new window).

The one downside to getting quotes like this is buyers cannot specifically choose the providers to receive prices from. So if you want to choose from a list of companies to compare, we have a page of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverages and limits for every quote you compare. If you have unequal deductibles or liability limits it will be impossible to determine which company has the best rates. Just a small difference in insurance coverages or limits could skew the results. And when price shopping your coverage, quoting more increases your odds of finding more affordable insurance.

Take advantage of every insurance coverage discount

Some insurance providers don’t list the entire discount list very well, so the below list has both well-publicized and the harder-to-find insurance coverage savings.

• Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find low cost insurance coverage.
• Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Drive Less and Save – Fewer annual miles on your Mazda can qualify you for cheaper rates.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
• Anti-theft System – Cars and trucks with anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
• No Claims – Drivers who don’t have accidents can earn big discounts as compared to insureds who have frequent claims or accidents.

It’s important to note that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, companies don’t profit that way.

If you would like to choose from a list of insurers who offer free insurance coverage quotes, click here.

How insurers calculate Mazda Mazda6 insurance rates

Lots of factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other factors are not quite as obvious such as your marital status or your financial responsibility.Consumers need to have an understanding of a few of the rating criteria that help determine auto insurance rates. If you have some idea of what determines premiums, this enables you to make decisions that can help you get cheaper rates.

• Your car’s features help determine rates – Purchasing a vehicle with advanced anti-theft systems can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
• Cheaper to insure gals? – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that males are worse at driving than females. They both have at-fault accidents at a similar rate, but the male of the species cause more damage. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are most likely to cause an accident so it costs more to insure them.
• Protect yourself with liability coverage – Your policy’s liability coverage will afford coverage in the event that a jury decides you are liable for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Your address can modify premiums – Having an address in a rural area may provide you with better prices when insuring your vehicles. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates. People in densly populated areas have more auto accidents and more time behind the wheel. Spending more time driving means a statistically higher chance of an accident.
• Youthful driver insurance rates – Inexperience drivers are proven to be easily distracted when driving with friends so they pay higher auto insurance rates. Older insureds are shown to be more cautious, tend to cause fewer accidents and tend to be get fewer driving tickets.
• Low mileage costs less – The higher the miles on your Mazda every year the higher the price you pay to insure it. Almost all companies rate vehicles based upon how the vehicle is primarily used. Autos that are left in the garage can get a lower rate than vehicles that have high annual mileage. A policy that improperly rates your Mazda6 can result in significantly higher rates. It’s always a good idea to double check that your auto insurance policy properly reflects the correct driver usage.

How to know if you need help

When choosing the best insurance coverage coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out whether or not you would benefit from an agent’s advice.

• What discounts do I qualify for?
• Is my dog or cat covered if injured in an accident?
• When do I need to add a new car to my policy?
• When can I cancel my policy?
• Where can I get insurance after a DUI in my state?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Save $460 a year! What?

Insurance coverage companies such as Geico, State Farm and Progressive continually stream ads on TV and radio. They all seem to try to convey promises about saving some big amount just by moving to their company. How does each company offer you a better deal? It’s all in the numbers.

All the different companies have a preferred profile for the type of customer that will add to their bottom line. One example of a profitable customer might be a mature driver, has no prior claims, and does not commute to work. Anyone who meets those qualifications will get very good car insurance rates and will also cut their rates substantially.

Insureds who don’t meet those criteria will have to pay a higher premium which leads to the customer not buying. The wording the ads use say “drivers who switch” not “everyone that quotes” save that much when switching. This is how companies can make the claims of big savings. This illustrates why it’s extremely important to do a rate comparison at every renewal. It is impossible to guess which insurance coverage company will have the best rates.

Auto insurance policy coverages for a 2014 Mazda Mazda6

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a broken windshield and falling objects. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills such as dental work, EMT expenses and doctor visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This provides protection from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as repair costs for stationary objects, repair bills for other people’s vehicles, loss of income, emergency aid and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This coverage pays for damage to your Mazda6 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Don’t break the bank

As you quote insurance coverage, do not skimp on coverage in order to save money. In many instances, someone dropped uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Some insurance providers may not have internet price quotes and most of the time these regional carriers only sell coverage through independent agents. Low-cost 2014 Mazda Mazda6 insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both to have the best selection.

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

• Learn About Car Insurance (Geico)
• Car Insurance: When not to Skimp (BankRate.com)
• Winter Driving (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• State Laws for Cellphones and Texting (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)