Compare 2011 Mazda Mazda6 Car Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Believe me, you are not the only one feeling buyer’s remorse. With so many different company options, it’s nearly impossible to choose the best insurer.

Consumers should take time to compare rates on a regular basis since rates trend upward over time. Even if you think you had the best rates on Mazda6 coverage a couple years back a different company probably has better rates today. So just block out anything you think you know about insurance coverage because you’re about to learn the easiest way to find better rates and still maintain coverage.

Finding the best rates is not rocket science. If you have a current insurance policy or need new coverage, you can use these tips to find better prices while maximizing coverage. Consumers just need to know the most effective way to get comparison rates online.

Free Quotes for Car Insurance

Shopping for lower car insurance rates can be challenging if you aren’t aware of the most efficient way to do it. You could spend your day talking to agents in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies belong to an insurance system that allows shoppers to only type in their quote data once, and every company then returns a price quote. This saves time by eliminating quote requests for every car insurance company.

To access this free quoting program, click to open in new window.

The only drawback to using this type of form is you cannot specify the insurers to get pricing from. If you wish to select individual companies to compare prices, we have a listing of companies who write car insurance in your area. View list of insurance companies.

It’s up to you which method you use, but double check that you are using apples-to-apples coverages and limits on every quote you get. If you have different limits and deductibles on each one it’s not possible to determine which rate is truly the best.

These discounts can slash insurance coverage rates

Auto insurance companies do not advertise all available discounts in an easy-to-find place, so we researched both the well known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Mazda6 coverage.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • E-sign – A handful of insurance companies give back up to $50 for buying your policy online.
  • Homeowners Savings – Being a homeowner may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance coverage policy, you’re out of luck.

To see a list of providers with the best insurance coverage discounts, follow this link.

When might I need the advice of an agent?

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is a fancy paint job covered?
  • What is no-fault insurance?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover my expensive audio equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Factors that can influence Mazda Mazda6 insurance rates

It’s important that you understand the different types of things that come into play when calculating the rates you pay for insurance coverage. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get big savings.

  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high insurance coverage rates.
  • Marriage brings a discount – Having a wife or husband helps lower the price when buying insurance coverage. Having a significant other usually means you are more mature and responsible it has been statistically shown that being married results in fewer claims.
  • Do you need those extra coverages? – There are quite a few extra bells and whistles that can waste your money on your Mazda6 policy. Insurance for rental car reimbursement, accident forgiveness and term life insurance may be costing you every month. They may seem like a good idea initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Low deductibles can be expensive – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more you have to pay, the less your company will charge you for insurance on Mazda6 coverage.
  • Protect yourself with liability coverage – Your policy’s liability coverage is the protection if a jury decides you are liable for damages caused by your negligence. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Where you live – Residing in a rural area can be a good thing when it comes to insurance coverage. City drivers have much more traffic and longer commute times. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Always keep insurance in force – Having an insurance coverage lapse is a sure-fire way to bump up your insurance coverage costs. And not only will your rates increase, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • More than one policy can earn a discount – Many insurance companies give discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, it’s still a good idea to shop around to ensure the best deal.

Learn about insurance coverages for a 2011 Mazda Mazda6

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from flooding, a broken windshield, a tree branch falling on your vehicle and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses such as pain medications, ambulance fees, EMT expenses and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision insurance

This coverage covers damage to your Mazda6 resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.


This coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for 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 values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair bills for other people’s vehicles, court costs, pain and suffering and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mazda Mazda6.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

And the best car insurance company is…

We just presented some good ideas how to get a better price on 2011 Mazda Mazda6 insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

As you prepare to switch companies, you should never reduce coverage to reduce premium. In too many instances, someone sacrificed comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at a price you can afford.

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