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2014 Mazda Mazda6 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 17, 2021

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Looking for better auto insurance rates for your Mazda Mazda6? Expensive auto insurance can drain your bank account and put the squeeze on your family’s finances. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. With consumers having so many options, it’s difficult to choose the best insurance company.

Finding affordable coverage is not rocket science. If you have a policy now or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Vehicle owners only need an understanding of the proper methods to shop their coverage around on the web.

Mazda Mazda6 rates are complex

It’s important that you understand the rating factors that go into determining your auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • Add-on coverages can add up – There are many additional coverages that can waste your money if you aren’t careful. Insurance for roadside assistance, accident forgiveness and term life insurance may be costing you every month. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Do you work long hours in a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, executives and accountants tend to have higher rates than average because of stressful work requirements and long work hours. On the flip side, occupations such as pilots, athletes and performers receive lower rates for Mazda6 insurance.
  • Liability insurance protects assets – Liability insurance is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

Discounts can save BIG

Companies don’t always list all their discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Own a Home – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Mazda6 insurance with a few auto insurance companies.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.

A partial list of companies that possibly offer some of the above discounts include:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

Check with each company how you can save money. All car insurance discounts may not apply in your state.

Beware of misleading auto insurance ads

Consumers can’t ignore all the ads that promise big savings by State Farm and Allstate. They all say the same thing of big savings if you switch to their company.

But how can every company claim to save you money? It’s all in the numbers.

All the different companies have a preferred profile for the type of customer they prefer to insure. For instance, a preferred risk might be profiled as a mature driver, has no tickets, and chooses high deductibles. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who do not match these standards must pay a more expensive rate which leads to business going elsewhere. The ads say “customers who switch” not “people who quote” save money. That is how companies can truthfully make those claims. This illustrates why you should compare many company’s rates. It’s not possible to predict which company will have the lowest Mazda Mazda6 insurance rates.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Is pleasure use cheaper than using my 2014 Mazda Mazda6 to commute?
  • Do I have newly-aquired coverage?
  • Should I buy full coverage?
  • How much liability insurance is required?
  • Are split liability limits better than a combined single limit?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Free Auto Insurance Comparison

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

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Insurance coverage options for a Mazda Mazda6

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills such as surgery, EMT expenses, funeral costs and pain medications. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability auto insurance

This protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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

Liability insurance covers claims such as attorney fees, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your Mazda6 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, rolling your car, sideswiping another vehicle, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Find Good Coverage for Less

The cheapest 2014 Mazda Mazda6 insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance coverage companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped liability limits or collision coverage only to regret that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at the best price while still protecting your assets.

For more information, feel free to browse the resources below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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

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