2006 Mazda Mazda6 Insurance Quotes – 9 Discounts for Best Rates

Shopping for affordable auto insurance over the internet is intimidating for consumers not familiar with comparison shopping online. Because there are so many insurers to choose from, how can consumers even start to compare the different rates to find the best available price?

Auto Insurance Prices Online

All the larger auto insurance companies provide coverage prices directly from their websites. The process is quite simple as you simply enter the coverage amounts you desire into a form. After you complete the form, their system makes automated requests for credit information and your driving record and returns a price based on these and other factors.

This helps simplify price comparisons, but having to visit several different sites and enter the same data into a form gets old quite quickly. But it is imperative to get many rate quotes if you are searching for the best price possible.

Compare rates the easy way

The quickest way to compare auto insurance pricing uses one simple form that analyzes rates from multiple companies. It saves time, reduces the work, and makes online price comparison a lot less work. Immediately after you send the form, it is rated and you can select any or none of the quotes returned. If you find a better price you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most and may save quite a bit of money.

To quickly find out what other companies charge, click here and fill out the form. To compare your current rates, we recommend you complete the form with coverages and limits identical to your current policy. This ensures you will have a fair comparison based on similar coverages.

Can you really save that much by switching?

Progressive, Geico, Allstate and State Farm continually stream ads on TV and radio. All the companies say the same thing of big savings after switching your policy. How do they all make the same claim?

Different companies have a certain “appetite” for the driver that makes them money. An example of a desirable insured could be a mature driver, has no tickets, and has excellent credit. A customer who matches those parameters will get the preferred rates and as a result will probably save when they switch companies.

Drivers who are not a match for these standards will be quoted higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that much. That’s the way companies can truthfully state the savings. This emphasizes why you need to compare as many rates as you can. It’s just too difficult to predict which insurance companies will provide you with the cheapest Mazda Mazda6 insurance rates.

Discounts on 2006 Mazda Mazda6 insurance

Companies that sell car insurance don’t always publicize every discount very well, so we break down some of the more common as well as the least known insurance savings.

  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Senior Citizens – Mature drivers may be able to get a small decrease in premiums on Mazda6 insurance.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Multi-policy Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies who might offer these money-saving discounts include:

Check with every prospective company how you can save money. Some discounts might not be offered in every state.

Tailor your coverage to you

When buying proper insurance coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions could help you determine whether you may require specific advice.

  • Can my teen drive my company car?
  • What are the best liability limits?
  • Should I carry comprehensive and collision coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • When can I cancel my policy?
  • Am I covered when using my vehicle for business?
  • Can I still get insurance after a DUI?
  • Can I rent a car in Mexico?
  • Is extra glass coverage worth it?
  • Do I have coverage when making deliveries for my home business?

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, take a second and complete this form.

Car insurance coverages for a Mazda Mazda6

Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto liability – This coverage will cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, pain and suffering, legal defense fees and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, damage from getting keyed and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision coverage pays for damage to your Mazda6 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, crashing into a ditch, scraping a guard rail, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for nursing services, prosthetic devices and X-ray expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

More effort can pay off

Budget-conscious 2006 Mazda Mazda6 insurance is available on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

Consumers who switch companies do it for many reasons like delays in paying claims, policy cancellation, an unsatisfactory settlement offer and poor customer service. It doesn’t matter what your reason, finding a new car insurance company is easier than you think.

We just presented some good ideas how to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even find the best prices are with some of the lesser-known companies.

More detailed car insurance information is located at these sites: