2010 Mazda 6 Insurance Quotes

Searching for the cheapest insurance coverage rates for your Mazda 6? Price shopping your Driversinsurance coverage may be slightly frustrating for beginners to online rate comparisons. With dozens of companies competing online, it can quickly become a ton of work to find more affordable coverage rates.

Smart consumers save every year

An important part of buying insurance is that you know a few of the rating criteria that are used to determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to much lower annual insurance costs.

• Auto insurance policy lapses lead to higher prices – Not having insurance is against the law and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. And not only will your rates increase, failure to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Lower rates by increasing deductibles – Physical damage protection, aka comp and collision, helps pay for damage to your vehicle. Some examples of claims that would be covered are running into the backend of another car, hail damage, and windstorm damage. Comp and collision deductibles state the amount of money you are required to pay if the claim is covered. The more of the claim the insured is willing to pay, the bigger discount you will receive for 6 insurance.
• Bad drivers pay high costs – Drivers with clean records get better prices compared to bad drivers. Having just one citation can increase rates by as much as twenty percent. Drivers unfortunate enough to have careless violations like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
• Big cities have higher prices – Choosing to live in small towns and rural areas can save you money if you are looking for the lowest rates. Drivers who live in large cities have to deal with congested traffic and much longer commute distances. Less people translates into fewer accident claims.
• Do safer cars cost less to insure? – Safe vehicles cost less to insure. Highly rated vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If the Mazda 6 has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Your career may increase auto insurance rates – Occupations like real estate brokers, business owners and dentists usually pay higher premium rates attributed to intense work situations and incredibly demanding work hours. On the flip side, professions such as scientists, athletes and retirees get better rates for 6 insurance.
• Gender is a factor – Over the last 30 years, statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes tend to get into fender benders in similar percentages, but the male of the species cause more damage. Men also receive more costly citations like DUI and reckless driving. Males from age 16 to 21 cause the most accidents and therefore are the most expensive to insure.
• Fewer miles means better rates – Driving a lot of miles each year the higher your rate. A lot of insurance companies calculate rates based on how the vehicle is used. Cars not used for work or commuting can be on a lower rate level than vehicles that are driven to work every day. An improperly rated 6 may be costing you. Verify your auto insurance policy is showing the correct usage, because it can save money.

Compare auto insurance quotes online

The are a couple different ways of comparing price quotes from all the different companies. The recommended way to do a complete rate comparison consists of obtaining rate quotes online. It’s really quite simple and can be done using a couple different methods.

1. The first (and easiest) way to find low rates is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for multiple quote forms for every prospective company. One quote request gets you coverage quotes from several companies. Recommended for those who want to invest the least amount of time.
2. A harder way to compare rate quotes requires visiting each company’s website and get a separate price quote. For example, let’s assume you want to compare prices for Liberty Mutual, Progressive and American Family. To do that, you would have to navigate to each company’s site and enter your information, which can be really labor intensive. To view a list of companies in your area, click here.

Compare rates however you want, just try to use the exact same information for each price quote. If you compare different liability limits it will be very difficult to make a fair comparison for your Mazda 6. Just a small difference in insurance coverages could skew the results. Keep in mind that comparing more quotes will enable you to find a lower rate than you’re paying now.

Save a ton with these discounts

Insurance can be prohibitively expensive, but you may be missing some discounts that can help lower your rates. Some trigger automatically when you quote, but some need to be asked about prior to getting the savings.

• Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can actually save on your bill.
• Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
• No Claim Discounts – Drivers with accident-free driving histories have much lower rates when compared with frequent claim filers.
• Professional Organizations – Belonging to a civic or occupational organization can get you a small discount on your bill.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
• Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a slight reduction on a insurance quote for 6 insurance.
• More Vehicles More Savings – Having primary and secondary vehicles on one policy qualifies for this discount.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you won’t be that lucky. Any amount of discount will lower the amount you have to pay.

The best insurance coverage companies and some of the discounts are outlined below.

• Farm Bureau discounts include 55 and retired, driver training, multi-vehicle, multi-policy, safe driver, youthful driver, and good student.
• State Farm offers discounts for multiple policy, Drive Safe & Save, driver’s education, safe vehicle, accident-free, good driver, and passive restraint.
• Progressive may include discounts for online signing, multi-vehicle, good student, homeowner, multi-policy, continuous coverage, and online quote discount.
• Allstate includes discounts for early signing, auto/life discount, utility vehicle, premier plus, farm vehicle, and defensive driver.
• Nationwide may have discounts that include Farm Bureau membership, defensive driving, good student, multi-policy, and accident-free.
• MetLife has savings for multi-policy, good driver, defensive driver, accident-free, good student, and claim-free.

Double check with each company or agent to apply every possible discount. A few discounts might not be available to policyholders in your area.

Car insurance can be complex

When buying coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

• Should I file a claim if it’s only slightly more than my deductible?
• What is the difference between comprehensive and collision coverage?
• Does my policy cover me when driving someone else’s vehicle?
• Should I get collision insurance on every vehicle?
• Is my Mazda 6 covered if I use it for business?
• When should I drop full coverage on my 2010 Mazda 6?
• What is no-fault insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I bundle my homeowners policy with my auto?
• How much can I save by bundling my policies?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage basics

Learning about specific coverages of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage – Collision insurance pays for damage to your 6 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, damaging your car on a curb, sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Liability auto insurance – Liability insurance can cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, medical expenses, bail bonds, medical services and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses such as rehabilitation expenses, X-ray expenses, chiropractic care, ambulance fees and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda 6.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, falling objects, a broken windshield, vandalism and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy online or local, you save

Some insurance providers do not provide internet price quotes and many times these smaller companies prefer to sell through independent insurance agencies. More affordable car insurance is definitely available online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection.

When shopping online for car insurance, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

People switch companies for many reasons like policy non-renewal, poor customer service, delays in paying claims and even questionable increases in premium. It doesn’t matter why you want to switch switching companies can be easier than you think.

For more information, take a look at the articles below:

• Red Light Cameras (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)