2015 Mazda 6 Car Insurance Quotes – 8 Savings Tips

Trying to find the cheapest insurance coverage rates for your Mazda 6? Are you tired of robbing Peter to pay Paul to pay insurance coverage each month? You’re in the same situation as millions of other vehicle owners. Lots of insurance companies contend for your hard-earned dollar, so it’s not easy to compare every company to find the absolute lowest rate possible.

If you are insured now or are shopping for new coverage, you can use these techniques to cut your premiums and still get good coverage. Finding the best rates is not rocket science. Drivers only need to know how to compare rates online.

Compare free car insurance price quotes

There are a variety of methods to compare car insurance quotes, but some are more efficient than others. You can spend your afternoon talking to insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies belong to a marketplace where prospective buyers submit one quote, and each company returns a rated price based on that data. This saves time by eliminating form submissions for each company. To compare rates using this form now click here (opens in new window).

One minor caviat to using this type of form is you don’t know exactly which carriers to receive prices from. So if you want to select individual companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just double check that you are using apples-to-apples coverage limits for every company. If you use different coverage information you will not be able to make a fair rate comparison.

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Car insurance discounts are available to slash your rates

Some insurance providers don’t necessarily list all available discounts very clearly, so the below list has a few of the more well known as well as the least known credits available to bring down your rates.

• Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote insurance coverage for 6 coverage with select insurance companies.
• Online Discount – Certain companies will give a small break just for signing your application on their website.
• Discount for Passive Restraints – Factory options such as air bags could see savings of more than 20%.
• 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates for 6 coverage.
• Membership in Organizations – Affiliation with certain professional organizations could trigger savings on your bill.
• Claim Free – Drivers with accident-free driving histories have much lower rates in comparison to drivers with a long claim history.
• Defensive Driver Discounts – Participating in a course teaching defensive driving skills can save you 5% or more depending on where you live.
• No Charge for an Accident – Not a discount per se, but a few companies such as Geico and Liberty Mutual allow you one accident without getting socked with a rate hike if you have no claims for a set time period.

Keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.

A list of car insurance companies and their possible discounts can be read below.

• Progressive includes discounts for homeowner, online signing, multi-policy, multi-vehicle, online quote discount, and good student.
• SAFECO offers discounts for anti-theft, multi-car, anti-lock brakes, bundle discounts, homeowner, and safe driver.
• American Family offers premium reductions for defensive driver, TimeAway discount, accident-free, good student, and air bags.
• MetLife offers discounts including good driver, good student, accident-free, claim-free, multi-policy, defensive driver
• Geico may include discounts for emergency military deployment, federal employee, defensive driver, good student, and membership and employees.
• The Hartford has savings for air bag, good student, vehicle fuel type, defensive driver, anti-theft, bundle, and driver training.

Before you buy a policy, ask every prospective company how many discounts you can get. Discounts might not be offered on policies in your area. To see a list of providers with discount rates, click here.

Everyone needs different car insurance coverages

When it comes to choosing adequate coverage, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

• Does my policy cover my teen driver if they drive my company car?
• Do I benefit by insuring my home with the same company?
• Does insurance cover damages from a DUI accident?
• Is my babysitter covered when using my vehicle?
• I have good health insurance, so how much medical payments coverage do I need?
• Do I need rental car coverage?
• Are my tools covered if they get stolen from my vehicle?
• Does car insurance cover theft of personal property?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Don’t believe everything you hear

Drivers constantly see and hear ads for car insurance savings by companies like State Farm, Geico and Progressive. They all advertise the message that people will save just by switching to their company.

It sounds good, but how can they all sell you cheaper insurance coverage? It’s all in the numbers.

All the different companies have specific criteria for the type of customer that earns them a profit. For example, a preferred risk might be described as over age 30, owns their home, and drives a lower-performance vehicle. A driver that fits those parameters will get a cheap rate quote and will save some money.

People who do not meet those criteria will be charged higher prices and the customer buying from a different company. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save that much money. That is how insurance companies can confidently claim big savings. This illustrates why you absolutely need to get insurance coverage quotes from several different companies. You cannot predict the company that will provide the lowest auto insurance rates.

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Specifics of your insurance policy

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Collision protection

Collision insurance covers damage to your 6 caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, medical services, loss of income and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses like chiropractic care, ambulance fees, nursing services, hospital visits and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mazda 6.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, a broken windshield, theft and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Make a quick buck

Lower-priced 2015 Mazda 6 insurance can be bought on the web and with local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who may not provide rates over the internet and these smaller companies work with local independent agents.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

In this article, we presented a lot of techniques to save on 2015 Mazda 6 insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your car insurance rates. You may be surprised to find that the lowest priced insurance coverage comes from a smaller regional carrier. Regional companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Additional detailed information is located in the articles below:

• State Laws for Cellphones and Texting (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)

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