2013 Mazda 6 Car Insurance Rates

Paying for overpriced Mazda 6 insurance can bottom out your monthly budget, especially in this economy. People have so many car insurance companies to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare company pricing.

Consumers need to compare prices occasionally since insurance prices trend upward over time. Even if you think you had the best quotes for 6 insurance a few years ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to find out the tricks you need to know to find better coverage at a better price.

Buying car insurance is not rocket science. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Consumers just need to know the most effective way to shop over the internet.

More discounts mean cheaper premiums

Some providers do not list all their discounts in an easy-to-find place, so the below list has some of the best known and the more hidden discounts that you can inquire about if you buy insurance online.

• Senior Citizen Rates – If you’re over the age of 55, you could receive a slight reduction on a insurance quote for 6 insurance.
• Student in College – Youth drivers living away from home attending college and don’t have a car could qualify for this discount.
• Government Employees – Having worked for a branch of the government can save as much as 8% for 6 insurance with some auto insurance companies.
• Multiple Cars – Having primary and secondary vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
• Discounts for New Vehicles – Buying a new car model can save you some money since new model year vehicles have better safety ratings.
• Membership in Organizations – Being in qualifying employment or professional organizations may earn a discount on your next auto insurance statement.
• Sign Early and Save – Some auto insurance companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 25 to 30%.
• Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
• Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.

While discounts sound great, it’s important to understand that most credits do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few popular companies and a partial list of their discounts include:

• State Farm policyholders can earn discounts including safe vehicle, Drive Safe & Save, multiple autos, good driver, and student away at school.
• Geico may have discounts that include emergency military deployment, membership and employees, daytime running lights, federal employee, driver training, anti-lock brakes, and five-year accident-free.
• Allstate offers discounts for safe driver, early signing, good payer, auto/life discount, farm vehicle, and premier discount.
• SAFECO offers premium reductions for anti-lock brakes, multi-car, bundle discounts, homeowner, and anti-theft.
• Farm Bureau offers discounts including multi-policy, renewal discount, good student, youthful driver, multi-vehicle, 55 and retired, and safe driver.
• Progressive may include discounts for multi-vehicle, online quote discount, multi-policy, good student, homeowner, continuous coverage, and online signing.
• AAA may offer discounts for education and occupation, good driver, AAA membership discount, anti-theft, good student, and multi-car.

When getting free insurance quotes, it’s a good idea to each company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in your area. To find providers that offer discounts, click here to view.

Compare car insurance quotes online

Many insurance companies give pricing on the web. Obtaining pricing can be done by anyone because you just enter your coverage information into a form. When the form is submitted, the company’s rating system will obtain reports for credit and driving violations and quotes a price. Quoting online makes it easy to compare insurance prices but the time it takes to visit multiple sites and fill out multiple forms is a waste of time. But it is imperative to get many rate quotes if you want to get a better rate.

The preferred way to lower your rates requires only one form that gets price quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes online price comparison a little more enjoyable. After sending your information, it is quoted and you can select any one of the returned quotes. If a lower price is quoted, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To find out how much you can save on car insurance, click here and complete the simple form. To compare your current rates, we recommend that you enter the coverages as close as possible to your current policy. This helps ensure you will get a rate comparison using the same coverage and limits.

How your 6 insurance prices are determined

When buying insurance coverage it’s important to understand some of the elements that come into play when calculating the rates you pay for insurance coverage. When you understand what impacts premium levels, this empowers consumers to make smart changes that could result in lower rates. Many factors are used when you quote your car insurance policy. Some are obvious like your driving record, but other criteria are more obscure like your continuous coverage or how financially stable you are.

• Small coverages can add up – Policies have extra coverages that can waste your money on your 6 policy. Coverages for roadside assistance, death and dismemberment, and term life insurance are probably not needed. They may sound like good ideas at first, but your money might be better spent on other coverage so remove them and pocket the money.
• Discounts for alarms and GPS tracking – Driving a car with a theft deterrent system can save you a little every year. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your vehicle from being stolen.
• Your gender affects rates – Statistics show that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. Males and females are in fender benders at a similar rate, but the men get into accidents with more damage. They also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Teen drivers are expensive to insure – Older, more experienced drivers are more responsible, cost insurance companies less in claims and receive fewer citations.Drivers with little experience are proven to be less responsible in a vehicle and because of this, their insurance coverage rates are much higher.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine if you would benefit from an agent’s advice.

• What is UM/UIM insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I have a commercial auto policy?
• Do I need special endorsements for business use of my vehicle?
• Should I waive the damage coverage when renting a car?
• How much liability do I need to cover my assets?
• Am I covered if hit by an uninsured driver?
• Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Can you really save that much by switching?

Drivers constantly see and hear ads for the lowest price insurance by Progressive, Geico, Allstate and State Farm. They all advertise claims that drivers can save some big amount just by moving your coverage.

That’s great but how can every company give you a better price? Here is the trick they use.

Insurance providers have underwriting criteria for the driver that is profitable for them. A good example of a desirable risk could be between the ages of 30 and 45, owns a home, and has excellent credit. A customer who matches that profile is entitled to the best price and will probably save quite a bit of money when switching.

Drivers who don’t measure up to the requirements will see more expensive rates which results in the customer not purchasing. Company advertisements say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can make it sound like they have such great prices. This really drives home the point why drivers must get as many free insurance quotes as possible. It’s impossible to know which company will have the lowest premium rates for your situation.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by auto insurance companies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, rock chips in glass and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

This can cover damage that occurs to people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like attorney fees, repair costs for stationary objects, structural damage and medical services. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Coverage for collisions

Collision coverage covers damage to your 6 resulting from a collision 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 coverage protects against things like colliding with another moving vehicle, crashing into a ditch, sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as dental work, funeral costs, EMT expenses, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Shop. Compare. Save.

We covered a lot of tips how to reduce 2013 Mazda 6 insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower auto insurance rates in certain areas than their larger competitors like State Farm or Progressive.

Lower-priced 2013 Mazda 6 insurance is possible both online as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not provide the ability to get a quote online and many times these small insurance companies work with independent insurance agencies.

When shopping online for car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage only to regret that the savings was not a smart move. The proper strategy is to get the best coverage possible at a price you can afford.

Additional car insurance information can be found at these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Crash Avoidance Technologies FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Senior Drivers (Insurance Information Insitute)