Compare 2014 Mazda 6 Insurance Quotes

Drivers have many options when trying to find affordable Mazda 6 insurance. You can either spend your time contacting agents to compare prices or utilize the internet to get rate quotes.

There is a right way and a wrong way to find auto insurance online and you need to know the quickest way to quote coverages for a Mazda and obtain the lowest possible price.

Cheaper auto insurance rates with discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that you may not even know about. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be requested specifically before you get the savings. If you check and find you aren’t receiving every discount available, you are throwing money away.

  • Senior Citizen Rates – Seniors are able to get a slight reduction on a insurance quote on 6 insurance.
  • Early Switch Discount – A few companies give discounts for switching policies prior to your current policy expiration. You could save around 10% when you buy insurance online.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Membership in Organizations – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break when shopping for auto insurance.
  • Buy New and Save – Insuring a new car can cost up to 25% less since newer vehicles have better safety ratings.
  • Student in College – Children who are enrolled in higher education away from home and do not have a car could get you a discount.
  • Seat Belt Discounts – Drivers who require all occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
  • Low Miles Discount – Low annual miles could be rewarded with slightly better premium rates than normal.

Discounts save money, but please remember that some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts should help reduce the premium cost.

To see insurance companies that offer multiple discounts, follow this link.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Is a fancy paint job covered?
  • Am I covered when delivering products for my home-based business?
  • Am I getting all the discounts available?
  • Does my personal policy cover me when driving out-of-state?
  • Can my babysitter drive my car?
  • Should I buy additional glass protection?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Advertising and auto insurance

Consumers can’t get away from all the ads for cheaper auto insurance from the likes of Progressive, Geico, Allstate and State Farm. All the companies advertise the message that drivers can save some big amount if you get a free insurance quote and switch your auto insurance policy to them.

That’s great but how can every company make almost identical claims? This is how they do it.

Most companies provide the lowest rates for the type of driver that will add to their bottom line. A good example of a preferred risk may be between 25 and 40, has a low-risk occupation, and the vehicle is rated for pleasure use. Someone who matches those parameters will qualify for the lowest premium rates and is almost guaranteed to save a lot if they switch.

Drivers who don’t qualify for the “perfect” profile will probably be forced to pay higher premium rates which usually ends up with the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everyone that quotes” save that much when switching. This is how companies can truthfully make it sound like they have such great car insurance rates.

This really drives home the point why it is so important to quote coverage with many companies. Because you never know with any certainty which company will have the best rates at this point in time.

Insurance coverage options for a 2014 Mazda 6

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, theft and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like chiropractic care, hospital visits, funeral costs, ambulance fees and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Final thoughts

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage to discover at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

We just showed you quite a bit of information on how to compare 2014 Mazda 6 insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding cheap insurance. You may be surprised to find that the lowest premium rates come from the least-expected company.

Insureds switch companies for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, not issuing a premium refund or poor customer service. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

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