2009 Mazda 6 Insurance Rates

Searching for lower insurance coverage rates for your Mazda 6? If you’re shopping for cheaper insurance, do you get overwhelmed by the crazy number of insurance coverage providers available to you? There are so many choices that it can turn into a challenge to lower your rates.

Why smart consumers pay less for Mazda 6 insurance

Consumers need to have an understanding of some of the factors that are used to determine the rates you pay for car insurance. If you understand what influences your rates, this allows you to make educated decisions that may result in lower premium levels.

  • Deter theft and save – Owning a car that has an advanced theft prevention system can earn a premium discount. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help prevent vehicle theft.
  • Liability protection is cheap – Your policy’s liability coverage is the coverage that protects you in the event that you are responsible for an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Single drivers take more risk – Your spouse may earn you lower rates on your car insurance bill. It translates into being more mature and responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Guys pay higher rates – The statistics show women tend to be less risk to insure than men. It does not mean women are better drivers. They both get in accidents at a similar rate, but men get into accidents with more damage. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving.
  • Cheaper rates with high deductibles – Physical damage insurance, also known as collision and other-than-collision, protects your Mazda from damage. Examples of some claims that would be covered would be colliding with a building, flood damage, and windstorm damage. Deductibles for physical damage define how much you are required to pay if the claim is covered. The more damage repair cost you are required to pay out-of-pocket, the less your company will charge you for insurance for 6 insurance.
  • Stay claim-free and reduce prices – If you file a lot of claims you can look forward to either higher rates or even cancellation. Car insurance companies generally give cheaper rates to policyholders who do not file claims often. Your car insurance is designed for claims that you cannot pay yourself.

The quickest way to get policy rate comparisons is to know the fact auto insurance companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is provide details including if your license is active, the make and model of your vehicles, an estimate of your credit level, and how your vehicles are used. Your insurance information is instantly sent to multiple insurance coverage providers and they provide comparison quotes immediately.

If you would like to compare rates now, click here and see if a lower rate is available.

The largest companies are not always cheapest

Big name companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the companies convey the message that people will save if you move your coverage. It sounds good, but how can they all save you money? It’s all in the numbers.

Different companies quote the lowest rates for the type of customer that will generate a profit. One example of a profitable risk profile should be married and over the age of 30, has no tickets, and drives newer vehicles. Any driver that fits those parameters will qualify for the lowest premium rates and will probably save when switching.

Potential customers who fall outside this ideal profile will be charged more expensive rates and this results in business going elsewhere. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” save that much. That’s the way companies can truthfully make the claims of big savings.

Because of these techniques, you should quote coverage with many companies. You cannot predict which car insurance company will provide you with the cheapest premium rates.

Insurance coverage quotes and discounts

Insurance coverage can be pricey, but you may be missing some discounts that can help lower your rates. Many discounts should be triggered at the time of quoting, but occassionally some discounts must be manually applied prior to receiving the credit.

  • Policy Bundle Discount – If you have multiple policies with one company you may save up to 20% off your total premium.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when getting a car insurance quote.
  • Life Insurance Discount – Larger insurance companies have a discounted price on car insurance if you buy life insurance.
  • Telematics Data Discounts – Insureds who allow driving data submission to monitor vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if their driving habits are good.
  • Discounts for Safe Drivers – Insureds without accidents could pay up to 40% less for 6 insurance than drivers with accident claims.
  • Pay Now and Pay Less – By making one initial payment instead of paying each month you could save up to 5%.
  • College Student Discount – who are enrolled in higher education away from home and leave their car at home could get you a discount.

Don’t be surprised that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though you would think you could get a free insurance coverage policy, companies wouldn’t make money that way.

Some companies who may offer these benefits may include but are not limited to:

Before buying, ask every prospective company to give you their best rates. Savings may not be available in every state.

Situations that may require an agent’s advice

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • What happens if I owe more than my 2009 Mazda 6 is worth?
  • Am I covered when driving in Canada or Mexico?
  • When should I buy a commercial auto policy?
  • Is my ex-spouse still covered by my policy?
  • Who is covered by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Information about specific coverages

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for ambulance fees, prosthetic devices, hospital visits and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, theft and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays for damage to your 6 resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Buy Smart and Save

Discount 2009 Mazda 6 insurance is definitely available on the web and from local agencies, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide internet price quotes and most of the time these small insurance companies only sell coverage through local independent agencies.

As you shop your coverage around, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage for the lowest cost.

People switch companies for many reasons like denial of a claim, extreme rates for teen drivers, policy non-renewal or policy cancellation. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

Other information

Comments About 2009 Mazda 6 Insurance

  1. Yolando Wise

    I got quite a few price quotes for a 2009 Mazda 6 in Cranston, RI. Ended up at about $450 every six months with AAA. Insured with Encompass before. I increased coverages a little too. Highly recommended.

  2. Collen Nash

    I switched to Allstate. Quoted good rates in Columbus, OH. Ask about discounts.

  3. Lynnette Fleming

    Cheaper not always better. I live on the west side of Lincoln, NE. Received quotes from Allstate, Farmers, and Hartford for my Mazda and saved about $260 a year. Did it all online.

  4. Shantell Winters

    Got a quote with Erie for my Mazda and cut my rates about $460 a year. Was with Safeco.

  5. Soila Joyce

    I live west of Rochester, MN. Checked online prices for a 2009 Mazda 6. Ended up at about $500 savings annually. Went with GEICO. I have kids on my policy, too.

  6. Wan Molina

    Proud to be from Burlington, VT. Quoted with Travelers, AIG Insurance, Hanover, and Mercury for my 6 and I think I saved about $70 each month. Hardly afford to drive anymore.

  7. Juliet Stanton

    When should I drop comp and collision?

  8. Argentina Huff

    In Eugene, OR, Allstate is a good choice. Insured with Progressive before. I have a teen driver too. It’s still not cheap enough.

  9. Rodrigo Mcdonald

    Thanks for putting this site together. I’m from Detroit, MI. I quoted with Hanover, American Family, Nationwide, and a couple others for my Mazda and I’m now saving $33 a month. Was with Encompass. I just quoted rates online.

  10. Kirby Deleon

    Lots of good stuff here. Found cheapest coverage with American Family for my Mazda and cut my rates about $450 a year. Good savings if you bundle.

  11. Twanda Melendez

    Good site, thanks. I’m from Omaha, NE. I quoted with Progressive, Erie, and Hartford for my Mazda and saved just over $430 a year. Ask about discounts. I just quoted rates online.

  12. Marcia Romero

    If you have a good history and live around Parkersburg, West Virginia, check out Allstate. You might get cheaper rates. Was with Safeco. I have several vehicles insured with them. :)

  13. Anabel Velasquez

    I’m in the south part of Jacksonville, FL. Not sure of all the companies but I ended up saving about $20 each month. Online quotes are the way to go.

  14. Earnestine Sharp

    I live just to the south of Cedar Rapids, Iowa. Don’t remember every company but I ended up saving about $20 each month. Have an at-fault accident tho. Are quotes cheaper online?

  15. Somer Wilkerson

    Does State Farm offer good discounts?