2012 Mazda Mazda6 Insurance Quotes in 2024 – 10 Tips to Save

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 10, 2024

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Searching for better insurance coverage rates? Consumers have lots of choices when looking for affordable Mazda Mazda6 insurance. You can either waste hours struggling with agents getting price quotes or save time using the internet to get rate quotes. There are more efficient ways to compare insurance coverage rates so you’re going to learn the best way to get price quotes for a Mazda and locate the cheapest rates from both online companies and local agents.

Buying car insurance is not rocket science. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers just need to learn the best way to compare price quotes on the web.

How to get insurance quotes

Cutting your insurance rates is actually quite simple. All that’s required is to spend a few minutes comparing price quotes to find out which insurance company has the cheapest insurance coverage quotes. Rate comparisons can be done in just a few minutes using one of these methods.

  1. The simplest way to get the best comparison quotes would be an industry-wide quote request form. This type of form eliminates the need for separate quotes for each price estimate. In just a few minutes this one form gets insurance cost estimates direct from many companies. Just one form and you’re done.
  2. A less efficient way to compare prices requires a trip to the website for each individual company and get a separate price quote. For sake of this example, let’s assume you want to see prices from Nationwide, Esurance and Progressive. To find out each rate you need to take the time to go to each site to enter the same coverage data repeatedly, which can get old fast.
  3. Even if you have time, the least recommended method to shop rates is driving to insurance agencies in your area. Comparing rate quotes online eliminates the need for an insurance agent unless your situation requires the trained advice that only an agent can give. It is possible with some companies comparison shop online but still have the advice of a local agent.

Whichever method you choose, ensure you are comparing exactly the same coverages and limits on every quote. If the quotes have different values for each quote it’s impossible to make a fair rate comparison.

Cheaper rates by getting these ten discounts

Insuring your fleet can be pricey, but you can get discounts that could help you make your next renewal payment. A few discounts will be applied when you complete an application, but less common discounts must be requested specifically in order for you to get them. If you’re not getting every credit you qualify for, you are throwing money away.

  • Paper-free Discount – A handful of larger companies will provide an incentive for buying your policy on your computer.
  • Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease for Mazda6 coverage with select insurance companies.
  • Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for Mazda6 coverage than their less cautious counterparts.
  • No Charge for an Accident – Not really a discount, but a few companies such as Progressive and Allstate allow you one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
  • Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Full Payment Discount – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Claim Free – Drivers with accident-free driving histories get the best insurance coverage rates as compared to drivers who are more careless.
  • Low Miles Discount – Driving fewer miles may allow you to get lower premium rates due to less chance of an accident.
  • Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.

Drivers should understand that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, nobody gets a free ride.

To locate insurance coverage companies who offer discounts, enter your zip code here.

Your auto insurance coverage should be tailored to you

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions may help highlight if your situation could use an agent’s help.

  • What is PIP insurance?
  • Where can I get insurance after a DUI in my state?
  • Do I benefit by insuring my home with the same company?
  • How do I insure my teen driver?
  • Should I carry comprehensive and collision coverage?
  • Should I sign the liability waiver when renting a car?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out your zip code. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of a car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Mazda Mazda6.

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 very important.

Comprehensive car insurance

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for ambulance fees, surgery, prosthetic devices and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance will pay to fix damage to your Mazda6 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like emergency aid, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

One last thing

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

We’ve covered many tips how you can save on 2012 Mazda Mazda6 insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding low cost insurance coverage. You may even find the best price on insurance is with some of the smallest insurance companies.

Insureds change insurance companies for many reasons like delays in paying claims, policy non-renewal, an unsatisfactory settlement offer and questionable increases in premium. Regardless of your reason, switching insurance companies is not as difficult as it may seem.

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