Lower Your 2003 Mazda 6 Insurance Quotes

Looking for cheaper insurance coverage rates for your Mazda 6? Finding cheaper insurance for a new or used Mazda 6 can normally be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the best way to quote coverages on a Mazda and locate the cheapest rates.

Shopping for the best protection is quite easy. If you have insurance now or are shopping for new coverage, you can learn to cut your premiums while maximizing coverage. Drivers just need to know the proper methods to shop their coverage around over the internet.

Cheap auto insurance

Comparing auto insurance rates can take hours if you don’t understand the most efficient way. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

Many companies belong to an insurance system that allows shoppers to only type in their quote data once, and at least one company provides a quote based on that data. This eliminates the need for form submissions to each company.

To find out what other companies charge click to open in new window.

The one disadvantage to using this type of system is you cannot specify the companies you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but be sure you’re using identical coverages on every quote you get. If you have different data you can’t possibly truly determine the lowest rate.

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Insurance discounts are available to reduce your rates

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that you may not even know about. Most are applied at the time of quoting, but some need to be specifically requested prior to getting the savings.

• Sign Early and Save – Select insurance companies give a discount for switching to them prior to the expiration date on your current policy. The savings is around 10%.
• Distant Student Discount – Kids who live away from home at college and do not have access to a covered vehicle may be able to be covered for less.
• Clubs and Organizations – Participating in qualifying employment or professional organizations can get you a small discount when shopping for insurance.
• Multiple Cars – Buying a policy with multiple cars with the same insurance company can reduce the rates for all insured vehicles.
• Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.

Don’t be shocked that some credits don’t apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck. Any amount of discount will bring down the amount you pay for coverage.

Companies and some of the premium reductions they offer are included below.

• Progressive may include discounts for good student, multi-policy, online quote discount, homeowner, continuous coverage, online signing, and multi-vehicle.
• MetLife may have discounts that include multi-policy, claim-free, defensive driver, good student, and good driver.
• Mercury Insurance may offer discounts for annual mileage, good student, accident-free, multi-car, good driver, and low natural disaster claims.
• Nationwide has discounts for multi-policy, accident-free, Farm Bureau membership, good student, family plan, defensive driving, and anti-theft.
• Geico offers discounts for good student, membership and employees, emergency military deployment, multi-policy, and daytime running lights.
• AAA offers discounts including good driver, anti-theft, good student, education and occupation, multi-car, AAA membership discount, and multi-policy.

If you are trying to find inexpensive car insurance quotes, ask every company which discounts they offer. Depending on the company, some discounts may not apply to policies in your area.

Mazda 6 insurance rate factors

Many factors are part of the calculation when quoting car insurance. Some factors are common sense such as your driving history, although others are more transparent such as your marital status or how financially stable you are.

• No policy lapses lowers prices – Going without insurance is a sure-fire way to bump up your insurance coverage costs. Not only will you pay more, being ticketed for driving with no insurance will get you a steep fine or even jail time. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• More mileage equals more premium – The higher the miles on your Mazda each year the higher your rates will be. A lot of insurance companies price each vehicle’s coverage partially by how you use the vehicle. Autos that are left in the garage cost less to insure than those that get driven frequently. It’s a good idea to make sure your insurance coverage declarations sheet is rated on annual mileage, because it can save money. An improperly rated 6 can result in significantly higher rates.
• Bump up comp and collision deductibles to lower rates – Your deductibles represent how much money you are willing to pay if the claim is covered. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. Examples of covered claims are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more damage repair cost you have to pay, the bigger discount you will receive on 6 coverage.
• Rates increase with driving citations – Even one citation may increase your cost by twenty percent. Careful drivers receive lower rates than bad drivers. Drivers who have gotten careless violations such as DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
• Deter car thieves – Choosing to buy a car with a theft deterrent system can help lower your premiums. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
• See if your company offers a multi-policy discount – Most insurers will award lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, consumers should still shop around to help ensure you have the lowest rates.
• Keep claims to a minimum – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Companies provide most affordable rates to insureds that do not abuse their auto insurance. Insurance coverage is designed for the large, substantial claims.
• Car insurance liability protection limits – Liability coverage will afford coverage in the event that you are responsible for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Everyone needs different car insurance coverages

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

• Are split liability limits better than a combined single limit?
• Are rental cars covered under my policy?
• Who is covered by my policy?
• Should I drop comprehensive coverage on older vehicles?
• When do I need to add a new car to my policy?
• Do I benefit by insuring my home with the same company?
• Which companies will insure high-risk drivers?
• Does medical payments coverage apply to all occupants?
• Is my custom paint covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

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Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers 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 coverage protects against things like hail damage, theft and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage will pay to fix damage to your 6 caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like rehabilitation expenses, chiropractic care, doctor visits, surgery and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Mazda 6.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, medical expenses, attorney fees, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Stretch your dollar

We covered a lot of information how to compare 2003 Mazda 6 insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding inexpensive car insurance. Drivers may discover the lowest prices come from a small mutual company.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage only to discover later that it was a big error on their part. The aim is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Drivers change insurance companies for a variety of reasons including policy non-renewal, not issuing a premium refund, high prices or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

More detailed car insurance information can be found in these articles:

• Bodily Injury Coverage (Liberty Mutual)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Auto Insurance 101 (About.com)
• Comprehensive Coverage (Liberty Mutual)

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