2006 Mazda 6 Car Insurance Cost – 5 Tricks for Cheaper Prices

Searching for better auto insurance rates? Consumers have many options when looking for the best price on Mazda 6 insurance. They can either waste time struggling with agents trying to get quotes or utilize the internet to get rate quotes.

There are more efficient ways to compare auto insurance rates so you’re going to learn the best way to get price quotes for a Mazda and obtain the best price possible from both online companies and local agents.

The purpose of this post is to let you in on how to get online quotes. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Consumers just need to know the proper methods to shop for auto insurance online.

How to compare insurance quotes

There are a lot of ways to compare insurance quotes, but some are easier and takes less work. You could spend your day talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many insurance companies are enrolled in a marketplace where insurance shoppers complete one form, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions for every insurance company.

To find out what other companies charge click here to start a free quote.

One minor caviat to doing it this way is that consumers can’t choose which insurance companies to get quotes from. So if you prefer to choose specific providers for rate comparison, we have a listing of low cost insurance companies in your area. View list of insurance companies.

Whichever method you choose, make darn sure you compare the exact same quote data for each comparison quote. If each company quotes different limits and deductibles on each one it will be impossible to make a fair rate comparison.

Save $446 a year? Really?

Consumers can’t avoid all the ads that claim the cheapest car insurance rates by 21st Century, Allstate and State Farm. They all seem to advertise the message about how much you will save if you change your coverage.

That’s great but how can every company make the same claim? You have to listen carefully.

All the different companies quote their cheapest rates for the type of driver that makes them money. One example of a profitable insured could be between 30 and 50, has had continuous coverage, and does not commute to work. A propective insured that meets those criteria will probably get cheap car insurance rates and will most likely save if they switch.

Potential customers who fall short of those standards will be charged a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “people that switch” not “all people who quote” save money. That’s why companies can truthfully make those statements.

Because of this risk profiling, drivers should get price quotes at each policy renewal. It’s impossible to know with any certainty which company will have the best prices at this point in time.

These five discounts can lower your insurance coverage quotes

Not many people think insurance is cheap, but you can get discounts that you may not even know about. A few discounts will be applied when you purchase, but some need to be specially asked for in order for you to get them.

• Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings when shopping for insurance coverage.
• Active Service Discounts – Being on active duty in the military could trigger a small discount.
• Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Allstate, State Farm and Geico permit an accident before hitting you with a surcharge with the catch being you have to be claim-free for a set time period.
• Onboard Data Collection – Drivers who agree to allow companies to study where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
• Low Mileage Discounts – Keeping the miles down on your Mazda could qualify for lower insurance coveragerates due to less chance of an accident.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will definitely reduce your overall bill.

The best insurance coverage companies and some of their more popular discounts are included below.

• Progressive policyholders can earn discounts including good student, homeowner, continuous coverage, online quote discount, online signing, and multi-policy.
• AAA may offer discounts for anti-theft, good student, pay-in-full, multi-car, AAA membership discount, education and occupation, and multi-policy.
• Farmers Insurance has discounts for business and professional, bundle discounts, multi-car, youthful driver, and alternative fuel.
• Geico may include discounts for anti-lock brakes, federal employee, military active duty, emergency military deployment, driver training, seat belt use, and multi-vehicle.
• Esurance offers discounts including homeowner, anti-theft, emergency road assistance, good driver, and Pac-12 alumni.
• SAFECO discounts include safe driver, homeowner, anti-theft, drive less, anti-lock brakes, accident prevention training, and bundle discounts.
• State Farm has savings for Steer Clear safe driver discount, driver’s education, good driver, anti-theft, and safe vehicle.

Before purchasing a policy, check with each insurance company what discounts are available to you. Depending on the company, some discounts might not apply in your area. To view insurers that have a full spectrum of discounts, click here.

Different people need different insurance coverage coverages

When it comes to buying adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

• Should I put collision coverage on all my vehicles?
• Do I need higher collision deductibles?
• How high should my medical payments coverage be?
• When do I need to add a new car to my policy?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Should I carry comprehensive and collision coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I pay less if my vehicle is kept in my garage?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

This protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as pain and suffering, repair bills for other people’s vehicles, attorney fees, structural damage and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your 6 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, hitting a mailbox, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills such as surgery, prosthetic devices, X-ray expenses and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from getting keyed, fire damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Buy online or local, you save

In this article, we covered a lot of information how to compare 2006 Mazda 6 insurance prices online. The most important thing to understand is the more quotes you get, the better likelihood of getting inexpensive insurance coverage. You may even find the biggest savings come from the smaller companies.

Insureds change insurance companies for many reasons like high rates after DUI convictions, high prices, poor customer service or even questionable increases in premium. Regardless of your reason, switching car insurance companies is actually quite simple.

When searching for cheaper insurance coverage quotes, never reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage and discovered at claim time that it was a big mistake. The aim is to get the best coverage possible for the lowest price and still be able to protect your assets.

Additional information is available on the following sites:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)