Cheap 2016 Mazda 6 Car Insurance Quotes

Price shopping your insurance can seem to be challenging for drivers who are beginners to quoting and comparing rates online. With dozens of insurers available, it can turn into more work than you anticipated to find more affordable prices.

It’s a great practice to get comparison quotes occasionally because insurance rates are adjusted regularly by insurance companies. Just because you found the best premium rates for 6 coverage a year ago there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn the quickest way to lower your annual insurance bill.

This information will introduce you to how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Although car owners must understand how insurance companies compete online.

Discounts for cheap auto insurance rates

Companies that sell car insurance don’t list the complete list of policy discounts in a way that’s easy to find, so the below list has both well-publicized and the more hidden savings tricks you should be using when you buy auto insurance online. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

  • Passive Restraints – Options like air bags or automatic seat belts can get savings as much as 30%.
  • Discount for Home Ownership – Being a homeowner may earn you a small savings because it requires a higher level of personal finance.
  • New Car Discount – Buying insurance coverage on a new vehicle can cost up to 25% less because newer vehicles are generally safer.
  • Driver Training Discounts – Taking a class that teaches driver safety techniques could save 5% or more depending on where you live.
  • Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Discount for Low Mileage – Fewer annual miles on your Mazda can qualify you for substantially lower rates.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Accident Forgiveness Coverage – but a handful of insurance companies will allow you to have one accident before raising your premiums if you have no claims prior to the accident.
  • Claim-Free Discount – Good drivers with no accidents have much lower rates when compared to accident-prone drivers.
  • Safe Driver Discounts – Drivers without accidents can pay as much as 50% less for 6 coverage than drivers with accidents.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.

Large auto insurance companies and some of the discounts are:

  • Farmers Insurance offers discounts including distant student, mature driver, youthful driver, good student, and early shopping.
  • State Farm includes discounts for Steer Clear safe driver discount, student away at school, passive restraint, multiple autos, driver’s education, anti-theft, and multiple policy.
  • Liberty Mutual discounts include newly married, exclusive group savings, new graduate, safety features, teen driver discount, good student, and multi-policy.
  • MetLife may offer discounts for accident-free, good driver, good student, multi-policy, defensive driver, claim-free
  • Progressive may include discounts for multi-policy, continuous coverage, online quote discount, homeowner, online signing, good student, and multi-vehicle.

Before you buy a policy, ask every company which discounts you may be entitled to. A few discounts may not be offered in your area.

Why you might pay lower rates

Many factors are used in the calculation when you get a price on insurance. Most are fairly basic like a motor vehicle report, although others are more transparent such as whether you are married or how safe your car is.

The factors shown below are some of the items used by insurance companies to determine your prices.

  • Cheaper to insure gals? – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that men are worse drivers. They both are in auto accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI.
  • Can a thief steal your car? – Owning a car with a theft deterrent system can help lower your premiums. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent vehicle theft.
  • Buy a safe car and pay less – Cars with five star safety ratings tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into savings for insurance companies and thus lower rates. If your Mazda 6 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Never go without auto insurance – Having a lapse in insurance coverage can be a quick way to bump up your auto insurance costs. And not only will your rates increase, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license.
  • Your spouse saves you money – Walking down the aisle may save some money when shopping for auto insurance. Marriage generally demonstrates drivers are more mature than a single person and it’s statistically proven that drivers who are married file infrequent claims.
  • With age comes responsibility – Older drivers are proven to be safer behind the wheel, are lower risk to insure , and usually have better credit.Teenage drivers tend to be inattentive and easily distracted in a vehicle and because of this, their auto insurance rates are much higher.

You may need specialized auto insurance coverage

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

These are some specific questions can help discover whether you would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • Is my custom paint covered by insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is PIP insurance?
  • Is there coverage for injuries to my pets?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I pay less for low miles?
  • Are my friends covered when driving my car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance specifics

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses for hospital visits, EMT expenses, rehabilitation expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This pays for 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 pays for claims like theft, a broken windshield, fire damage and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage – This can cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, structural damage, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, scraping a guard rail, sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2016 Mazda 6.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Smart consumers save more

Insureds who switch companies do it for many reasons like delays in paying claims, high prices, questionable increases in premium or not issuing a premium refund. Regardless of your reason, finding the right insurance provider is not as difficult as it may seem.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. In many instances, an insured cut collision coverage to discover at claim time they didn’t have enough coverage. Your goal is to find the BEST coverage at an affordable rate.

The cheapest 2016 Mazda 6 insurance can be sourced online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not have internet price quotes and most of the time these smaller companies prefer to sell through independent insurance agencies.

For more information, link through to the following helpful articles:

Comments About 2016 Mazda 6 Insurance

  1. Virgina Bell

    Any Progressive or Erie customers near Billings, MT?

  2. Frank Bradshaw

    Does GEICO offer multi-policy discounts?

  3. Ruben Grant

    In Montgomery, Alabama, Amica had the best rates for my 2016 Mazda 6. Good multi-policy discounts.

  4. Pete Hensley

    If you’re from Atlanta, GA get quotes from Allstate and GEICO and you might save.

  5. Ilse Taylor

    Nice post. I’m in the suburbs of Birmingham, AL. Quoted a bunch of companies. Saved roughly $50 a month. State Farm was the cheapest for me. Insured with Eastwood before. I have several vehicles insured with them. Not sure if rates are cheaper online or not.

  6. Jose Logan

    I’m in Nashville, Tennessee. Received prices from AAA, Mercury, and some smaller one I can’t remember the name of for my 2016 Mazda 6 and saved $196 a year. Insured with GEICO before. I get lower rates because of my clean driving record. Just go online and compare their rates.

  7. Jenelle Mcgee

    Hope my rates come down. I live in a small town just outside of Anchorage, Alaska. I quoted with Progressive, AIG Insurance, and Eastwood for my Mazda and saved just over $480 a year. Left Esurance to switch. I get lower rates because of my clean driving record. Just waiting to see how claims go.

  8. Mardell Hull

    Just a quick comment on my experience. Quoted with Encompass for my 6 and saved about $260 a year. Left 21st Century to switch. LOL

  9. Ka Hensley

    I’m looking for cheaper coverage. Checking in from Rutland, VT. Got free quotes online for a 2016 Mazda 6. Ended up at about $140 savings annually. Went with 21st Century. Are quotes cheaper online?

  10. Mac Boyer

    I live on the west side of Lewiston, Maine. I compared lots of rates. Saved right around $50 a month. 21st Century was the best choice for me. Highly recommended.

  11. Danielle Castillo

    Hope my rates come down. I live south of Rochester, NY. Quoted with State Farm, Hartford, and Eastwood for my 6 and cut my rates about $190 a year. I have a teen driver too.

  12. Danny Hopper

    What does medical payments cover?