2014 Mazda 6 Car Insurance Rates

Trying to find cheaper insurance rates for your Mazda 6? I can’t think of anyone who is fond of buying insurance, especially when they know they could find better prices if they shop around.

There is such a variety of car insurance companies to buy insurance from, and although it’s a good thing to have a selection, more choices can make it harder to find a good deal.

How insurers determine Mazda 6 insurance prices

Lots of things are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other criteria are more transparent like where you live or your vehicle rating.The best way to find cheaper auto insurance is to take a look at the rating factors that aid in calculating the price you pay for auto insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that could result in big savings.

• Save by staying claim free – If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance companies give the best rates to drivers who are not frequent claim filers. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Bundle and save – The majority of insurance companies will give better rates to customers that have more than one policy in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to comparison shop to verify if the discount is saving money. You may still find better rates even if you have your coverage with different companies
• Is your vehicle theft-ready? – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft and help bring rates down.
• Poor credit decisions can cost you – Having a bad credit score factor in determining premium rates. If your credit rating is lower than you’d like, you could save money insuring your 2014 Mazda 6 if you improve your credit rating. Insureds that have high credit scores tend to be better risks to insure than drivers who have lower credit ratings.

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Take advantage of every insurance coverage discount

Some insurers don’t always publicize every disount available very clearly, so we break down both well-publicized and the harder-to-find ways to save on insurance coverage. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

• Payment Method – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
• Discounts for Federal Employees – Being employed by or retired from a federal job can save as much as 8% on 6 insurance but check with your company.
• Online Discount – Many companies may give you up to $50 just for signing your application on the web.
• Multi-line Discount – Some insurance companies give a lower insurance coverage rate if you buy a life insurance policy as well.
• Student Discounts – Being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Student Discount for Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
• Defensive Driver Discounts – Passing a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
• Data Collection Discounts – Policyholders that allow companies to monitor driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Companies and some of the premium reductions they offer are:

• State Farm has savings for passive restraint, anti-theft, Steer Clear safe driver discount, safe vehicle, good student, student away at school, and accident-free.
• Geico discounts include anti-theft, defensive driver, daytime running lights, five-year accident-free, military active duty, federal employee, and driver training.
• SAFECO offers premium reductions for teen safe driver, homeowner, teen safety rewards, anti-lock brakes, safe driver, and bundle discounts.
• Farmers Insurance may include discounts for bundle discounts, business and professional, switch companies, youthful driver, and electronic funds transfer.
• AAA policyholders can earn discounts including good student, education and occupation, multi-policy, good driver, and AAA membership discount.
• USAA may have discounts that include good student, multi-policy, annual mileage, driver training, safe driver, and family discount.

When comparing rates, check with each insurance company how many discounts you can get. Discounts may not apply in your area.

How to know if you need help

When buying the best car insurance coverage, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

• I have good health insurance, so how much medical payments coverage do I need?
• What is the minimum liability in my state?
• Is my trailer covered?
• Should I sign the liability waiver when renting a car?
• Why does it cost so much to insure a teen driver?
• Can I rent a car in Mexico?
• Should I waive the damage coverage when renting a car?
• When should I buy a commercial auto policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most auto insurance policies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, surgery and hospital visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages – This coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like legal defense fees, medical services, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverage – 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 damage from getting keyed, rock chips in glass, a broken windshield, hitting a bird and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

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 coverage protects against claims like colliding with a tree, rolling your car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

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One last thing

Low-cost 2014 Mazda 6 insurance is available online in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance companies may not provide rates over the internet and usually these regional insurance providers prefer to sell through independent insurance agencies.

We covered many tips how you can reduce 2014 Mazda 6 insurance auto insurance rates online. The most important thing to understand is the more providers you compare, the better likelihood of getting affordable car insurance. You may be surprised to find that the best auto insurance rates are with a small local company. Smaller companies can often provide lower premium rates in certain areas than their larger competitors like State Farm or Progressive.

More tips and info about car insurance can be found in the articles below:

• Vehicle Size and Weight FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Side Impact Crash Tests (iihs.org)

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