Cheaper 2014 Mazda 6 Car Insurance Rates in 2024

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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: May 8, 2024

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Finding better insurance prices for a Mazda 6 can normally be an all-consuming task, but you can follow our insurance buying tips to make it easier.

There is a right way and a wrong way to buy insurance and we’ll show you the absolute fastest way to get price quotes for your Mazda and obtain the lowest possible price.

You should take the time to compare rates yearly since prices change regularly. Even if you think you had the lowest quotes on 6 coverage two years ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance because you’re about to find out the best methods to buy cheaper insurance.

The best way we recommend to compare insurance rates in your area is to take advantage of the fact most insurance companies pay for the opportunity to compare their rates. All you need to do is provide a small amount of information such as your occupation, how much school you completed, how many miles driven, and if the car is leased. The data is then sent to multiple different insurance companies and they provide comparison quotes very quickly.

Misconceptions in insurance coverage advertisements

Consumers can’t escape the ads for cheaper insurance coverage from companies such as GEICO, State Farm and Progressive. They all try to convey promises that people will save just by switching your insurance coverage coverage to their company.

How is it plausible that every one can charge lower premium rates? This is how they do it.

All companies have specific characteristics for the type of driver that makes them money. For example, this type of risk profile may need to be a female over age 40, has no driving citations, and drives a vehicle with a low ISO rating. Any person who matches that profile will probably get cheap prices and most likely will save when switching.

Potential insureds who don’t qualify for these criteria will probably be forced to pay a higher rate which results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save that much. That’s the way companies can make claims that they all have the best rates.

Because every company is different, it is so important to compare free insurance coverage quotes often. It’s impossible to know the company that will have better prices than you’re paying now.

Lower rates by qualifying for discounts

Companies offering auto insurance do not list their entire list of discounts in a way that’s easy to find, so below is a list some of the best known and the more hidden discounts that you can inquire about if you buy insurance coverage online. If you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Low Mileage Discounts – Low mileage vehicles can earn cheaper prices.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Multi-Vehicle Discounts – Buying a policy with all your vehicles on the same auto insurance policy qualifies for this discount.
  • Senior Citizen Discount – Mature drivers may be able to get a small discount on rates on 6 coverage.
  • Drive Safe and Save – Accident-free drivers can save up to 40% or more on their insurance coverage quote on 6 coverage than their less cautious counterparts.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Early Switch Discount – A few larger companies give discounts for switching companies prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • College Student – who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.

Don’t be shocked that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like you could get a free auto insurance policy, companies don’t profit that way.

Some of the insurance companies who may offer these discounts possibly include:

  • Farm Bureau
  • State Farm
  • Progressive
  • Allstate
  • Nationwide
  • MetLife

When quoting, ask all the companies how many discounts you can get. Some discounts may not apply in your area. To locate insurers that can offer you the previously mentioned discounts, enter your zip code here.

Insurance coverage is unique, just like you

When it comes to buying adequate coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • Am I missing any policy discounts?
  • What can I do if my company won’t pay a claim?
  • Is my state a no-fault state?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete your zip code. It’s fast, free and can provide invaluable advice.

Insurance coverage considerations

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, rehabilitation expenses, pain medications and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision – Collision insurance covers damage to your 6 caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda 6.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Liability – This coverage will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Some companies may use 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 repair costs for stationary objects, structural damage, bail bonds, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hail damage, falling objects and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

At the end of the day…

You just read many tips how you can get a better price on 2014 Mazda 6 insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheaper insurance coverage. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an insured dropped liability coverage limits only to regret that it was a big error on their part. The aim is to get the best coverage possible for the lowest price and still be able to protect your assets.

More affordable insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not offer the ability to get quotes online and most of the time these regional carriers only sell coverage through independent agents.

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