1994 Mazda MX-6 Insurance Rates

Trying to come up with a payment for overpriced auto insurance can sap your budget and possibly require postponing other expenditures. Big-name insurance companies like Progressive, State Farm and Geico promote their brand names with fancy advertisements and it is difficult to separate fact from fiction and find the best price available.

How to get insurance price quotes

Performing a rate comparison can be a daunting task if you don’t understand the easiest way. You could waste a few hours driving to insurance companies in your area, or you could use the web to get prices fast.

Most of the larger companies participate in a marketplace where prospective buyers submit their information once, and each company returns a competitive quote. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is you are unable to specify the companies you will receive quotes from. If you prefer to choose specific insurance companies to compare rates, we put together a list of insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just compare the same coverage data for each quote you get. If you are comparing differing limits it will be impossible to make a fair rate comparison.

Get cheaper insurance with discounts

Companies that sell car insurance don’t necessarily list every policy discount very clearly, so we break down a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online. If you’re not getting every credit you qualify for, you are paying more than you should be.

• Telematics Devices – Drivers who elect to allow their insurance company to monitor where and when they drive remotely like Allstate’s Drivewise could possibly reduce rates if they have good driving habits.
• Responsible Driver Discount – Insureds without accidents can pay as much as 50% less on MX-6 coverage than drivers with accident claims.
• Early Switch Discount – Some larger companies give discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
• Discount for Low Mileage – Driving less could be rewarded with discounted premium rates on garaged vehicles.
• Good Students Pay Less – This discount may save as much as 25% on a auto insurance quote. This discount can apply until age 25.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
• Buy New and Save – Buying a new car instead of a used car is cheaper because newer vehicles have to meet stringent safety requirements.
• Include Life Insurance and Save – Insurance companies who offer life insurance give a break if you buy life insurance from them.
• Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote as opposed to insureds who have frequent claims or accidents.

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, you aren’t that lucky.

A list of companies and the discounts they provide can be read below.

• State Farm policyholders can earn discounts including safe vehicle, good driver, passive restraint, good student, multiple autos, anti-theft, and driver’s education.
• American Family has discounts for TimeAway discount, good student, defensive driver, mySafetyValet, and good driver.
• Geico offers discounts for air bags, seat belt use, emergency military deployment, federal employee, daytime running lights, and anti-lock brakes.
• 21st Century includes discounts for defensive driver, good student, automatic seat belts, anti-lock brakes, teen driver, air bags, and 55 and older.
• Progressive may have discounts that include online signing, continuous coverage, homeowner, multi-policy, multi-vehicle, online quote discount, and good student.

It’s a good idea to ask all the companies which credits you are entitled to. Some discounts listed above might not apply in every state. To locate insurance companies that provide some of the discounts listed above, click here to view.

Tailor your auto insurance coverage to you

When choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

• What is high-risk coverage and where do I buy it?
• When can I cancel my policy?
• Am I covered when driving someone else’s vehicle?
• What is the difference between comprehensive and collision coverage?
• Can I drive in Mexico and have coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need higher collision deductibles?
• Is my Mazda MX-6 covered if I use it for business?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need replacement cost coverage?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverage specifics

Having a good grasp of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

Comprehensive coverages

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hail damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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

Liability coverage pays for things like bail bonds, emergency aid, structural damage, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your MX-6 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for prosthetic devices, EMT expenses and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay