2006 Mazda Mazda6 Car Insurance Quotes – 8 Tips for Cheaper Rates

Want lower car insurance rates for your Mazda Mazda6? Do you get confused by the crazy number of car insurance providers available to you? Lot’s of other people are too. drivers have so many options that it can turn into a chore to find the lowest price.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. This information will familiarize you with how car insurance quotes work and some tips to save money. Nevertheless, vehicle owners do need to know the methods companies use to sell online and use this information to your advantage.

The quickest method to compare car insurance rates is to know the fact most larger insurance companies participate in online systems to give you rate quotes. To begin a comparison, all you need to do is give them some information like if you’re married, whether the vehicles are used for commuting, if it has an alarm system, and whether or not you need a SR-22. The rating information is instantly submitted to insurance carriers in your area and they return cost estimate quickly.

To compare multiple company rates now, click here and enter your coverage details.

Cheaper insurance quotes with discounts

Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so the list below details both the well known as well as the least known discounts that may be available.

  • Claim Free – Insureds with no claims or accidents have much lower rates in comparison to policyholders that have many claims.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Clubs and Organizations – Having an affiliation with a qualifying organization can get you a small discount on insurance.
  • Safety Restraint Discount – Requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.
  • Safe Driver Discounts – Drivers without accidents can save as much as half off their rates on Mazda6 insurance compared to accident prone drivers.
  • Low Mileage Discounts – Keeping the miles down on your Mazda could be rewarded with substantially lower premium rates.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount will help reduce the amount you have to pay.

A list of companies and some of their more popular discounts include:

  • Geico has savings for air bags, emergency military deployment, military active duty, anti-theft, defensive driver, and good student.
  • Auto-Owners Insurance may have discounts that include paid in full, safe driver, company car, air bags, safe vehicle, and teen driver.
  • American Family may offer discounts for defensive driver, TimeAway discount, mySafetyValet, Steer into Savings, and bundled insurance.
  • Esurance offers discounts including emergency road assistance, good student, renters, anti-lock brakes, Switch & Save, and multi-policy.
  • Progressive offers discounts for multi-policy, online quote discount, good student, continuous coverage, online signing, and multi-vehicle.
  • State Farm policyholders can earn discounts including anti-theft, Steer Clear safe driver discount, accident-free, driver’s education, and multiple policy.
  • AAA discounts include multi-car, multi-policy, anti-theft, good student, pay-in-full, and AAA membership discount.

If you need inexpensive insurance coverage quotes, ask all the companies the best way to save money. Some discounts may not apply in your state. For a list of insurance companies who offer insurance discounts, click this link.

Tailor your auto insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you may require specific advice.

  • Do I need more liability coverage?
  • What is no-fault insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • How does medical payments coverage work?
  • Why am I required to get a high-risk car insurance policy?
  • Is business equipment covered while in my vehicle?
  • What is an SR-22 filing?
  • What can I do if my company won’t pay a claim?
  • Does my insurance cover a custom paint job?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Misconceptions in insurance advertisements

Popular insurance providers such as State Farm, Allstate and Geico regularly use ads on TV and radio. All the ads make the point about how much you will save if you change to their company. It sounds good, but how can they all make the same claim?

Many companies have specific characteristics for the type of driver that will most likely be profitable. For example, a driver they prefer could possibly be a mature driver, has other policies, and drives less than 7,500 miles a year. Any person that meets those criteria is entitled to the best price and will most likely save a lot if they switch.

Consumers who are not a match for the “perfect” profile will get a higher rate which translates to the customer buying from a different company. The ads say “people that switch” not “all people who quote” will save that much if they switch. That’s the way companies can claim big savings. This really emphasizes why it is so important to do a rate comparison at every renewal. It’s just too difficult to predict which insurance companies will have the best rates at this point in time.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, vandalism and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This covers 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 can pay for claims such as colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as funeral costs, X-ray expenses, prosthetic devices, dental work and pain medications. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Mazda Mazda6.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverage

This provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like emergency aid, court costs, attorney fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Best coverage at the best price

Insureds switch companies for a number of reasons such as being labeled a high risk driver, not issuing a premium refund, delays in responding to claim requests or even questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance provider can be easier than you think.

We’ve covered many ideas to save on 2006 Mazda Mazda6 insurance. The key thing to remember is the more companies you get prices for, the higher your chance of finding inexpensive insurance coverage. You may even discover the most savings is with a lesser-known regional company.

As you quote insurance coverage, you should never buy less coverage just to save a little money. Too many times, an insured dropped uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

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Comments About 2006 Mazda Mazda6 Insurance

  1. Andres Cohen

    Good site, thanks. Checking in from Raleigh, NC. Compared quite a few companies. Saved about $30 a month. 21st Century was the cheapest option for me. You can get a rate quote online.

  2. Alethea Robertson

    Looking for cheaper 2006 Mazda Mazda6 insurance in Tacoma, WA. Help!

  3. Hunter Baker

    I went with GEICO at renewal. Best rates in Henderson, NV.

  4. Jaime Hurst

    I’m in the south part of North Charleston, SC. Got prices from Auto-Owners, MetLife, and Western Auto Insurance for my Mazda and I think I cut my rates about $70 each month. Even increased coverage a bit.

  5. Douglass Blake

    Any claims experience with Allstate in Chesapeake, VA?

  6. Eleanore Chapman

    I’ve insured with Progressive for a long time. Pretty cheap in San Antonio, TX.

  7. Kasie Crosby

    Lifelong resident of Kailua, HI. Checked online prices for a 2006 Mazda Mazda6. Ended up at about $380 savings annually. Went with Progressive. Left Western Auto Insurance to switch. I’m a pretty low risk driver. It never hurts to quote around.

  8. Jacklyn Conner

    Checking in from Boston, Massachusetts. Quoted quotes with American Family, Erie, and Nationwide for my Mazda6 and am saving around $470 a year. Got better coverage too.

  9. Belkis Ortega

    I compared a lot of rate quotes for a 2006 Mazda Mazda6 in Kansas City, KS. Ended up at roughly $520 every six months with American Family. Left 21st Century to switch. Hardly afford to drive anymore.

  10. Lavona Graves

    FYI in Denver, Colorado try Progressive. I got a good deal.

  11. Dorian Lowery

    Hope my car insurance gets cheaper. Live in the western part of New Orleans, Louisiana. Checked online prices for a 2006 Mazda Mazda6. Ended up at about $550 savings annually. Went with GEICO. I have a couple other vehicles on the policy.

  12. Elsie Brown

    Cheap is relative. I live just to the east of Lexington, KY. I got free rates from State Farm, AAA, and some I forget for my Mazda6 and I’m now saving $21 a month. Was with GEICO. You can get a rate quote online.