Cheaper 2014 Mazda 6 Car Insurance Quotes

Searching for lower insurance coverage rates for your Mazda 6? Did budget coverage turn out to be an overpriced insurance coverage policy? Say no more because you’re not the only one.

Since you have so many options when it comes to insurance coverage, it is very difficult to find the most cost effective insurance coverage provider.

The quickest method to compare car insurance rates is to know most of the bigger providers will pay a fee to provide you with a free rate quote. All consumers are required to do is give them rating details such as the year, make and model of vehicles, your occupation, how you use your vehicles, and your credit rating estimate. That information is then submitted to multiple top-rated companies and they return cost estimate immediately.

To find lower rates now, click here and find out if you can get cheaper insurance.

More affordable rates by taking advantage of discounts

Companies do not advertise every available discount in a way that’s easy to find, so the list below details both well-publicized as well as some of the hidden ways to save on insurance.

  • Discount for Life Insurance – Larger insurance companies have a break if you buy life insurance.
  • Early Renewal Discounts – Some insurance companies give discounts for buying a new policy before your current coverage expires. Ten percent is about the average savings.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Discounts for Safe Drivers – Accident-free drivers could pay up to 40% less for 6 coverage compared to accident prone drivers.
  • Discount for Low Mileage – Driving fewer miles can qualify you for better prices on cars that stay parked.
  • Good Students Pay Less – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Paperless Signup – A few insurance companies will give a small break for completing your application over the internet.
  • Mature Driver Discount – Seniors can possibly qualify for a discount up to 10% for 6 coverage.
  • Payment Discounts – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
  • Homeowners Discount – Just owning your own home can get you a discount since home ownership is proof that your finances are in order.

As is typical with insurance, some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

A few of the larger companies and a partial list of their discounts are outlined below.

  • The Hartford may offer discounts for vehicle fuel type, anti-theft, driver training, defensive driver, bundle, air bag, and good student.
  • American Family policyholders can earn discounts including mySafetyValet, good driver, good student, early bird, bundled insurance, and air bags.
  • Progressive may include discounts for good student, multi-policy, continuous coverage, multi-vehicle, online signing, and online quote discount.
  • Travelers offers premium reductions for save driver, payment discounts, new car, IntelliDrive, and student away at school.
  • Farmers Insurance discounts include pay in full, alternative fuel, teen driver, electronic funds transfer, switch companies, business and professional, and homeowner.
  • USAA has discounts for family discount, multi-policy, multi-vehicle, loyalty savings, driver training, good student, and safe driver.
  • Liberty Mutual includes discounts for teen driver discount, preferred payment discount, hybrid vehicle, safety features, newly married, new vehicle discount, and newly retired.

It’s a good idea to ask each company or agent what discounts are available to you. Some credits might not be offered in your area.

Find cheap insurance with these tips

Many different elements are part of the calculation when quoting car insurance. Some are obvious such as your driving history, but other criteria are less apparent like your continuous coverage or your financial responsibility.

  • Costs impacted by your city – Being located in areas with lower population can save you money when insuring your vehicles. Urban drivers regularly have more road rage incidents and more severe claims. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
  • Liability protection is important – Your policy’s liability coverage will afford coverage in the event that a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Better premiums for uninterrupted coverage – Allowing your coverage to lapse will be a fast way to increase your rates. And not only will your rates increase, the inability to provide proof of insurance could result in fines and jail time.
  • Tickets hurt – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Having a single chargable violation can bump up the cost forty percent or more. Drivers who have received careless violations such as DUI, reckless driving or excessive speeding might be required by their state to prove financial responsibility with the DMV in their state in order to prevent their license from being revoked.
  • Choose high crash test ratings and save – Vehicles with high crash test scores cost less to insure. Vehicles engineered for safety result in less severe injuries and any reduction in injury severity means your insurance company pays less and thus lower rates. If your Mazda 6 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Are men or women drivers cheaper? – Over time, data shows females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. They both cause fender benders at a similar rate, but the male of the species get into accidents with more damage. In addition to higher claims, males also get more serious tickets such as DWI and reckless driving.
  • Costs impacted by vehicle usage – The higher the mileage driven annually the more you will pay for insurance. Many insurance companies apply a rate based upon how you use the vehicle. Autos that sit idle most of the time cost less to insure than those used for commuting. Incorrect rating for your 6 may be costing you. Make sure your insurance policy reflects annual mileage.
  • Discounts for married drivers – Walking down the aisle can actually save you money on insurance. Marriage demonstrates that you tend to be less irresponsible and statistics show being married results in fewer claims.

How much auto insurance do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining whether or not you could use an agent’s help.

  • When can I cancel my policy?
  • What companies insure drivers after a DUI or DWI?
  • If I drive on a suspended license am I covered?
  • Am I insured when driving a different vehicle?
  • How can I find cheaper teen driver insurance?
  • When should I not file a claim?
  • Am I covered when delivering products for my home-based business?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance 101

Having a good grasp of car insurance aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Collision coverage – Collision coverage covers damage to your 6 resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda 6.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverage – Liability insurance can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as loss of income, attorney fees and medical services. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive auto coverage – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed, rock chips in glass and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like chiropractic care, surgery, hospital visits, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Affordable insurance is out there

Low-cost 2014 Mazda 6 insurance can be sourced online as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide online price quotes and these regional insurance providers work with local independent agents.

In this article, we presented quite a bit of information on how to lower your 2014 Mazda 6 insurance premium rates. The most important thing to understand is the more quotes you get, the higher your chance of finding cheap car insurance. Consumers could even find that the lowest premium rates come from a lesser-known regional company. These smaller insurers can often provide lower prices in certain areas than the large multi-state companies such as GEICO and State Farm.

When getting car insurance quotes online, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at an affordable rate and still be able to protect your assets.

For more information, take a look at the following helpful articles:

Comments About 2014 Mazda 6 Insurance

  1. Pedro Peters

    Thanks for putting this site together. I live in Norman, OK. Quoted rates from 21st Century, Erie, and Hartford for my Mazda and saved $258 a year. Was with Farmers.

  2. Ewa Gray

    Cheaper not always better. I live in Gulfport, MS. Got prices from AAA, Eastwood, and MetLife for my Mazda and saved just over $100 a year. I got a quote from their website.

  3. Christene Goodman

    I live just to the south of Davenport, IA. Quoted a bunch of companies. Saved darn near $40 a month. Allstate was the cheapest option for me. Good savings if you bundle. God forbid I actually have a claim.

  4. Adam Serrano

    I live just to the north of Eugene, OR. I don’t recall every quote but I ended up saving about $70 each month. I got a quote from their website.

  5. Jutta Pickett

    Lots of useful info here. Live in Little Rock, AR. Got car insurance quotes from AAA, Esurance, and MetLife for my 6 and saved just over $210 a year. Still almost need a second mortgage.

  6. Garth Whitaker

    Hope my rates come down. I live just outside Burlington, Vermont. I got free prices from Progressive, Liberty Mutual, and Esurance for my 6 and saved about $250 a year. I got prices on the web.

  7. Loree Rodriquez

    Mine is so expensive. Lifelong resident of San Antonio, Texas. Compared rates from a lot of places. Saved darn near $60 a month. GEICO was the most affordable for me. I get lower rates because of my clean driving record. Can still barely afford it.

  8. Un Cleveland

    I live in Jackson, MS. Checked online prices for a 2014 Mazda 6. Ended up at about $330 savings annually. Went with State Farm. Can still barely afford it.

  9. Ike Davenport

    I found pretty cheap rate quotes for a 2014 Mazda 6 in Montgomery, Alabama. Ended up at darn near $420 every six months with American Family. I get multi-vehicle and multi-policy discounts. I just quoted rates online.

  10. Sherril England

    Affordable car insurance is a myth. Got a quote with Sentry for my 6 and am saving around $260 a year. :P

  11. Ailene Rowland

    Checking in from San Antonio, TX. Quoted a bunch of companies. Saved right around $20 a month. 21st Century was the cheapest option for me.

  12. Earle Willis

    Thanks for putting this site together. Live in Cranston, Rhode Island. I quoted with GEICO, American Family, Encompass, and Liberty Mutual for my Mazda and saved just over $220 a year. Teenage drivers are expensive! They have free quotes online.