2017 Mazda 6 Car Insurance Rates

Want the cheapest insurance coverage rates for your Mazda 6? Paying low cost premium rates for Driversinsurance coverage may be kind of frustrating for people new to online rate comparisons. Drivers have so many options that it can be a difficult challenge to find the best premium rates.

It’s a great practice to compare premium rates at least once a year since insurance prices fluctuate regularly. If you had the lowest rates for 6 coverage six months ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance coverage because you’re about to learn the tricks you need to know to find lower rates on insurance coverage.

Finding the best rates is quite easy. Just about every driver who buys car insurance will more than likely be able to reduce their rates. Nevertheless, drivers do need to understand the methods companies use to sell insurance online and take advantage of how the system works.

These discounts can cut car insurance rates

Buying car insurance is not cheap, but you might already qualify for some discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but a few need to be requested specifically prior to getting the savings.

  • Accident-Free Discounts – Good drivers with no accidents have much lower rates in comparison with drivers with a long claim history.
  • Driver Education Discount – Teen drivers should sucessfully take a drivers education course as it can save substantially.
  • Discounts for Good Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for 6 coverage than drivers with accidents.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for 6 coverage depending on your company.
  • Smart Student Discounts – Excelling in school can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
  • Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since newer vehicles have better safety ratings.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Senior Citizen Discount – Mature drivers may be able to get a discount up to 10% for 6 coverage.

Please keep in mind that some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though you would think you could get a free car insurance policy, companies wouldn’t make money that way. But any discount should definitely cut the cost of your policy.

A few popular companies and some of their more popular discounts can be found below.

  • Farm Bureau may have discounts that include safe driver, 55 and retired, good student, multi-vehicle, renewal discount, youthful driver, and driver training.
  • Liberty Mutual offers discounts including new vehicle discount, safety features, new graduate, teen driver discount, preferred payment discount, multi-car, and multi-policy.
  • State Farm offers premium reductions for accident-free, anti-theft, multiple policy, good student, Drive Safe & Save, passive restraint, and driver’s education.
  • Auto-Owners Insurance offers discounts for anti-lock brakes, group or association, anti-theft, teen driver, air bags, student away at school, and multi-policy.
  • GEICO may offer discounts for anti-theft, daytime running lights, membership and employees, federal employee, multi-policy, and five-year accident-free.
  • SAFECO has discounts for drive less, anti-theft, multi-car, anti-lock brakes, accident prevention training, and teen safety rewards.

When getting a coverage quote, ask each company or agent the best way to save money. Some of the earlier mentioned discounts may not be available in your area. If you would like to view companies offering car insurance discounts, click this link.

How insurance providers determine Mazda 6 insurance costs

Lots of things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other criteria are less obvious like where you live or how safe your car is.

  • Little extras can really add up – There are many add-on coverages that you can get tricked into buying if you aren’t diligent. Coverage for things like personal injury protection, high-cost glass coverage, and motor club memberships may be wasting your money. They may seem good when buying your policy, but if they’re wasting money consider taking them off your policy.
  • Employer and insurance rates – Careers like doctorsair traffic controllers and financial analysts tend to pay higher premiums than the average policyholder attributed to intense work-related stress and extremely grueling work hours. Conversely, careers like actors, engineers and performers have lower than average premiums for 6 coverage.
  • Your location is important – Being located in a rural area can be a good thing when talking about insurance coverage. Residents of big cities have more auto accidents and higher rates of accident claims. Fewer people means fewer accidents in addition to fewer liability claims.
  • Being married can lower prices – Walking down the aisle may cut your premiums on your policy. Having a significant other generally demonstrates drivers are more mature than a single person and insurance companies reward insureds because married couples file fewer claims.
  • Adjust physical damage deductibles and save – Physical damage deductibles are how much you are willing to pay before a claim is paid by your company. Physical damage coverage, also called ‘full coverage’, insures against damage to your car. Examples of covered claims could be rearending another vehicle, animal collisions, and damage caused by road hazards. The higher the amount you have to pay, the less your company will charge you for insurance for 6 coverage.
  • Driver age impacts premiums – Young drivers tend to be inattentive and easily distracted in a vehicle so they pay higher insurance coverage rates. Having to add a teenage driver to your policy can be quite pricey. Older insureds are more responsible, tend to cause fewer accidents and receive fewer citations.
  • How many miles do you drive? – Driving more miles every year the more you’ll pay to insure it. Many insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Incorrect rating for your 6 is just wasting money. Double check that your insurance coverage declarations sheet properly reflects the correct usage.

When do I need an agent’s advice?

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether or not you may require specific advice.

  • Is business equipment covered while in my vehicle?
  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I hit a deer?
  • How do I buy GAP insurance?
  • How do I file an SR-22 for a DUI in my state?
  • What is high-risk coverage and where do I buy it?
  • How much liability insurance is required?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.

Car insurance ads bend the truth

Well-known car insurance companies like Allstate, GEICO and Progressive continually stream television, radio, and online ads. All the ads try to convey promises about savings just by moving your policy. How does every company make almost identical claims? It’s all in the words they use.

Most companies have a certain “appetite” for a prospective insured that will be a good risk. One example of a desirable insured may be between 25 and 40, is a homeowner, and the vehicle is rated for pleasure use. Anybody who fits those characteristics gets the lowest prices and have a good chance to cut their rates if they switch.

People who don’t meet those criteria will have to pay higher prices with the end result being the prospect going elsewhere. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s why companies can truthfully claim big savings. That is why you absolutely need to quote coverage with many companies. It’s just not possible to know with any certainty which company will have the lowest rates for your situation.

Specific coverages for a 2017 Mazda 6

Learning about specific coverages of a 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 ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays 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 liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

Collision insurance will pay to fix damage to your 6 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, driving through your garage door, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for EMT expenses, doctor visits, dental work and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, hail damage and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

This protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like funeral expenses, attorney fees, pain and suffering, loss of income and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

More choices the merrier

Insureds change insurance companies for many reasons like questionable increases in premium, poor customer service, lack of trust in their agent and even not issuing a premium refund. Regardless of your reason for switching companies, finding a new insurance company can be easy and end up saving you some money.

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There have been many situations where drivers have reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to get the best coverage possible for the lowest cost while still protecting your assets.

You just read some good ideas how to get a better price on 2017 Mazda 6 insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even find the lowest priced insurance comes from some of the lesser-known companies.

For more information, feel free to visit the resources below:

Comments About 2017 Mazda 6 Insurance

  1. Marcia Ratliff

    I went with 21st Century at renewal. Best rates in Wichita, KS. Left Western Auto Insurance to switch. Switched homeowners coverage too.

  2. Buster Ward

    I got quite a few price quotes for a 2017 Mazda 6 in Lincoln, Nebraska. Ended up at darn near $290 every six months with American Family. Just go online and compare their rates.

  3. Bridget Pitts

    Can you buy custom paint coverage for a 2017 Mazda 6?

  4. Jeanene Sullivan

    From Missoula, MT. I quoted with GEICO, AAA, and Farmers for my Mazda and saved just over $180 a year. Left Esurance to switch. Ask about discounts. It’s easy to compare rates online now.

  5. Eugenia Medina

    Progressive and State Farm were both pretty cheap in Reno, NV.

  6. Marta Thompson

    Does 21st Century insure after a DUI?

  7. Shawnee Hawkins

    In Concord, NH, Amica had the best rates for my 2017 Mazda 6. Even increased my liability limits.

  8. Catalina Rosales

    I got quite a few price quotes for a 2017 Mazda 6 in Augusta, GA. Ended up at roughly $310 every six months with AAA. Left Safeco to switch.

  9. Julie Estes

    If you have a good history and are close to Baton Rouge, Louisiana, check out Allstate. They seem to be cheaper. I get lower rates because of my clean driving record. It never hurts to quote around.