2016 Mazda Mazda6 Insurance Rates
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UPDATED: Mar 20, 2020
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Perplexed by the sheer number of car insurance companies? Many other consumers are too. People have so many choices that it can turn into more work than you anticipated to find better rates.
You need to shop coverage around occasionally because prices tend to go up over time. Just because you found the best price for Mazda6 insurance a year ago a different company probably has better rates today. Block out anything you think you know about car insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.
If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. This information will help educate you on the best way to quote coverages and some tips to save money. But drivers do need to learn the way insurance companies market on the web and use this information to your advantage.
Be sure to get all your discounts
Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down both well-publicized and the more hidden discounts you could be receiving.
- Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
- Resident Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
- Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
- New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
- Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
- Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.
Companies that may offer these benefits may include but are not limited to:
It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not be available in your area.
How to Get Cheap Insurance Coverage
The are a couple different ways of comparing price quotes from local insurance coverage companies. The best method to find the lowest 2016 Mazda Mazda6 rates is to perform an online rate comparison. It is quite easy and can be accomplished in a couple of different ways.
- The best way to find the lowest comparison rates is a comparison rater form click to view form in new window. This type of form prevents you from having to do repetitive form submissions for every insurance coverage company. A single, simple form gets you coverage quotes from several companies. It’s definitely the quickest method.
- A less efficient way to get quotes online is to take the time to go to each company website and complete a new quote form. For examples sake, let’s say you want to compare rates from Liberty Mutual, 21st Century and GEICO. To find out each rate you need to visit each site and enter your policy data, which is why most consumers use the first method.
For a list of links to companies insuring cars in your area, click here.
- The hardest method of getting rate comparisons is driving to insurance agents’ offices. The internet has reduced the need for local agents unless you want the professional advice only provided by licensed agents. It is possible to compare the best prices online and get advice from an agent in your area and we’ll touch on that later.
It’s up to you which method you use, but ensure you are comparing the exact same quote information for every quote you compare. If you are comparing different limits and deductibles on each one it’s not possible to make a fair comparison for your Mazda Mazda6. Slightly different limits can result in a big premium difference. And when price shopping your coverage, having more price comparisons will improve the odds of getting the best offered rates.
How do I know if I need professional advice?
When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.
For example, these questions might point out if you will benefit from professional help.
- Is borrowed equipment or tools covered if stolen or damaged?
- Will I be non-renewed for getting a DUI or other conviction?
- Am I covered when driving someone else’s vehicle?
- Does my insurance cover a custom paint job?
- When should my teen driver be added to my policy?
- Does my medical payments coverage pay my health insurance deductible?
- Where can I find high-risk insurance?
- Is my teen driver covered when they drive my company car?
- Does insurance cover tools stolen from my truck?
- Does coverage extend to Mexico or Canada?
If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.
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Educate yourself about insurance coverages
Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Liability coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers things like pain and suffering, medical expenses and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as funeral costs, rehabilitation expenses, doctor visits and dental work. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mazda Mazda6.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as hitting a deer, hail damage, vandalism and damage from flooding. The most 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 consider dropping full 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 your collision coverage will kick in.
Collision coverage pays for claims like hitting a mailbox, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.
Coverage on a shoestring budget
We’ve covered many ways to reduce 2016 Mazda Mazda6 insurance prices online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with some of the smallest insurance companies.
While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at the best price while still protecting your assets.
Drivers leave their current company for a variety of reasons including unfair underwriting practices, delays in responding to claim requests, high rates after DUI convictions or denial of a claim. No matter why you want to switch, choosing a new insurance company can be less work than you think.
For more information, feel free to browse the resources below:
- Drunk Driving Statistics (Insurance Information Insitute)
- Where can I buy Insurance? (Insurance Information Insitute)
- Safety Features for Your New Car (State Farm)
- Tools for Teen Driving Safety (State Farm)
- Your Car has been Stolen: Now What? (Allstate)
- Car Insurance: When not to Skimp (BankRate.com)
Frequently Asked Questions
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