2008 Mazda 6 Insurance Cost – 8 Ways to Save

Trying to find lower auto insurance rates for your Mazda 6? Did a good deal turn out to be high-priced auto insurance? Say no more because many drivers feel the same as you.

Due to the large number of online and local companies to choose from, it’s difficult to choose a more affordable insurer.

You need to compare prices every six months because auto insurance rates are constantly changing. Just because you had the lowest rate for 6 coverage last year a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to save money, get proper coverage and the best rates.

Finding affordable coverage is easy if you know what you’re doing. Essentially every driver who has to buy insurance coverage should be able to reduce their rates. But vehicle owners must learn how insurance companies market on the web and use this information to your advantage.

Take advantage of these eight discounts

Some insurers don’t always list every policy discount very clearly, so the list below contains a few of the more common and the harder-to-find ways to save on car insurance.

• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less because newer models are generally safer.
• College Student Discount – who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
• Homeowners Discount – Being a homeowner can earn you a little savings since home ownership demonstrates responsibility.
• Accident Forgiveness – This isn’t a discount exactly, but companies like Geico and Allstate allow you one accident before your rates go up with the catch being you have to be claim-free before the accident.
• Defensive Driver Discounts – Completing a safe driver class may get you a small discount and also improve your driving technique.
• Paperless Signup – Certain car insurance companies may give you up to $50 for signing up online.
• Good Students Pay Less – Excelling in school can get you a discount of up to 25%. You can use this discount normally until age 25.

It’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride.

A list of car insurance companies and a selection of discounts are:

• Progressive policyholders can earn discounts including continuous coverage, online quote discount, homeowner, good student, multi-policy, and online signing.
• The Hartford offers discounts including bundle, anti-theft, driver training, good student, defensive driver, vehicle fuel type, and air bag.
• Mercury Insurance discounts include type of vehicle, ease of repair, annual mileage, multi-car, low natural disaster claims, and multi-policy.
• Geico may offer discounts for membership and employees, driver training, emergency military deployment, federal employee, defensive driver, and military active duty.
• AAA has discounts for anti-theft, education and occupation, multi-car, good student, good driver, and pay-in-full.
• State Farm may include discounts for safe vehicle, passive restraint, good student, driver’s education, accident-free, and student away at school.

When getting a coverage quote, ask every prospective company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to view providers who offer cheap car insurance quotes, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Auto insurance companies are expert advertisers

Auto insurance companies such as Allstate and Progressive endlessly run ads in print and on television. They all advertise the message that drivers can save some big amount if you get a free insurance coverage quote and switch to them. How does each company make the same claim? This is the way they can do it.

All the different companies give the cheapest rates for the driver that earns them a profit. A good example of a desirable insured could possibly be a married male, has never had a claim, and drives a vehicle with a low ISO rating. Any customer that meets those criteria will get a cheap rate quote and will save a lot of money.

Potential insureds who do not fit these stringent criteria will probably have to pay higher rates and this results in the customer buying from a different company. The wording the ads use say “customers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can make claims that they all have the best premium rates. Because of the profiling, it’s extremely important to compare free insurance coverage quotes often. It’s not possible to predict which insurance companies will give you the biggest savings.

Special considerations

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out if your situation would benefit from professional advice.

• What if I owe more than I can insure my car for?
• Am I covered when pulling a rental trailer?
• How high should deductibles be on a 2008 Mazda 6?
• How can I find cheaper teen driver insurance?
• Am I covered if I hit a deer?
• Is my business laptop covered if it gets stolen from my vehicle?
• If I drive on a suspended license am I covered?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What is PIP insurance?
• Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property. 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 policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like court costs, repair bills for other people’s vehicles, legal defense fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, a broken windshield, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills for things like rehabilitation expenses, surgery, prosthetic devices and EMT expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage – This coverage covers damage to your 6 from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Never pay more for less

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

We covered some good ideas how you can shop for 2008 Mazda 6 insurance online. The most important thing to understand is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. Consumers could even find that the best rates are with a lesser-known regional company. Regional companies often have lower auto insurance rates on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

To learn more, link through to the articles below:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Neck Injury FAQ (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption