Cheapest 2018 Mazda 6 Insurance Rates in 2023
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UPDATED: Jun 6, 2023
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Searching for the cheapest insurance rates for your Mazda 6? Finding cheap coverage rates on insurance can be a challenge for drivers who are beginners to quoting and comparing prices online. People have so many companies to choose from that it can quickly become a challenge to locate the lowest price.
It’s important to shop coverage around once or twice a year because insurance prices are rarely the same from one policy term to another. If you had the lowest rates on 6 coverage a few years ago other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn how to use online quotes to get good coverage at a lower rate.
You may qualify for discounts
Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. Many discounts should be triggered at the time of purchase, but some must be specially asked for before you get the savings.
- Early Signing – Some car insurance companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
- Good Student Discount – Performing well in school may save you up to 25%. Earning this discount can benefit you up to age 25.
- Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote as compared to drivers with a long claim history.
- Passenger Safety Discount – Options like air bags or automatic seat belts can receive discounts of up to 25% or more.
- Discount for New Cars – Insuring a new car may earn a small discount since new model year vehicles are generally safer.
- Theft Deterent Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
- Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you could save 5% or more.
A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.
A few popular companies and a summarized list of policyholder discounts are shown below.
- 21st Century has savings for student driver, automatic seat belts, air bags, homeowners, 55 and older, early bird, and good student.
- State Farm has discounts for multiple policy, safe vehicle, Drive Safe & Save, defensive driving training, and accident-free.
- AAA may have discounts that include good student, good driver, AAA membership discount, education and occupation, multi-policy, pay-in-full, and anti-theft.
- Liberty Mutual offers discounts including multi-car, safety features, newly retired, teen driver discount, and preferred payment discount.
- Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, good student, multi-policy, and online signing.
When getting a coverage quote, ask every insurance company the best way to save money. Some credits may not apply to policies in your area. To find car insurance companies with discount rates, enter your zip code here.
There’s no such thing as the perfect auto insurance policy
When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different.
For example, these questions might point out whether or not you may require specific advice.
- Is my ex-spouse still covered by my policy?
- When should my teen driver be added to my policy?
- Does my insurance cover my expensive audio equipment?
- Why is insurance for a teen driver so high?
- Should I file a claim if it’s only slightly more than my deductible?
- How high should my medical payments coverage be?
- Where can I find DUI or SR-22 insurance?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.
Insurance advertising tricks
Popular insurance coverage providers such as Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. All the companies have a common claim that drivers will save a bundle just by switching your policy. How can each company make the same claim?
Insurance coverage companies quote their cheapest rates for the type of customer that earns them the highest profit. An example of this type of risk profile should be married and over the age of 30, has other policies, and the vehicle is rated for pleasure use. A customer that meets those criteria will get the preferred car insurance rates and will probably save money with a new company.
Consumers who are not a match for those criteria may be required to pay higher premium rates and ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can make claims that they all have the best premium rates. This illustrates why it is so important to do a rate comparison at every renewal. It’s not possible to predict which company will have the best car insurance rates for your profile.
Insurance coverages and their meanings
Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.
Collision – Collision insurance pays for damage to your 6 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things such as rolling your car, hitting a parking meter, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as falling objects, rock chips in glass, hitting a deer and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for liability – Liability insurance will cover injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like ambulance fees, chiropractic care, nursing services, EMT expenses and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Make an honest buck
Some companies may not have price quotes online and many times these regional carriers provide coverage only through independent insurance agencies. Cheap 2018 Mazda 6 insurance is attainable both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection.
Insureds who switch companies do it for any number of reasons including questionable increases in premium, extreme rates for teen drivers, policy non-renewal and even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new company can be less work than you think.
As you shop your coverage around, you should never buy poor coverage just to save money. In many cases, an insured dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the best cost and still be able to protect your assets.
More tips and info about car insurance is located in the articles below:
- Learn About Car Insurance (GEICO)
- Tools for Teen Driving Safety (State Farm)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
- Help Your Teen Be a Better Driver (State Farm)
- Where can I buy Insurance? (Insurance Information Insitute)
Frequently Asked Questions
Where can I find DUI or SR-22 insurance?
If you require insurance after a DUI conviction or need an SR-22 filing, it may be necessary to seek out insurance companies that specialize in providing coverage for these situations. Not all insurance companies offer policies for high-risk drivers or SR-22 filings. Conducting research and reaching out to insurance providers that cater to such cases, or consulting with a local insurance agent, can help you find the appropriate coverage.
How high should my medical payments coverage be?
The appropriate level of medical payments coverage, also known as MedPay, varies depending on your individual circumstances and needs. It’s important to consider factors such as your health insurance coverage, potential medical expenses, and personal preferences. Higher coverage limits can provide increased protection but may result in higher premiums. Consulting with an insurance agent can help you determine an appropriate level of coverage for your specific situation.
Should I file a claim if the damage is only slightly more than my deductible?
Whether or not you should file a claim for damage slightly exceeding your deductible depends on various factors, including the cost of repairs, your deductible amount, and the potential impact on your future insurance premiums. It’s advisable to consider the long-term implications, such as potential premium increases, before deciding to file a claim. In some cases, paying for minor damages out of pocket may be more cost-effective in the long run.
Why is insurance for a teen driver so high?
Insurance rates for teen drivers are often higher due to their lack of driving experience and statistically higher likelihood of being involved in accidents. Teenagers are considered high-risk drivers by insurance companies. Factors such as limited driving history, higher accident rates among young drivers, and the absence of a developed driving record contribute to the higher insurance premiums for teen drivers.
Does my insurance cover my expensive audio equipment?
Standard auto insurance policies may not automatically cover expensive audio equipment or modifications installed in your vehicle. However, you may be able to add specific coverage, such as comprehensive or custom equipment coverage, to insure your audio equipment. It’s recommended to check with your insurance provider to understand the extent of coverage for such items or discuss the need for additional coverage.
When should I add my teen driver to my insurance policy?
It’s typically necessary to add your teen driver to your insurance policy once they obtain their driver’s license. Insurance companies often require all licensed household members to be listed on the policy. Failing to add your teen driver may result in coverage issues or claims being denied. It’s best to contact your insurance provider and inform them about the new driver as soon as possible.
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