If you want to find the absolute lowest rates, then the best way to find affordable quotes for Mazda 6 insurance is to make a habit of comparing prices annually from companies who provide car insurance in Scottsdale.
First, take a few minutes and learn about what coverages are included in your policy and the measures you can take to keep rates low. Many rating factors that cause high rates such as traffic citations and a negative credit score can be remedied by making small lifestyle or driving habit changes.
Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple sources.
Third, compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate, make sure coverage does not lapse between policies.
Fourth, tell your current agent or company to cancel your current car insurance policy. Submit the completed application along with a down payment to the new company. As soon as you have the new policy, safely store the certificate of insurance along with the vehicle’s registration papers.
The most important part of shopping around is to make sure you enter the same liability limits and deductibles on each quote and and to get rate quotes from as many carriers as you can. This helps ensure the most accurate price comparison and the most accurate and complete price analysis.
It’s a known fact that auto insurance companies don’t want their customers to go rate shopping. Drivers who perform rate comparisons are very likely to buy a different policy because of the good chance of finding a lower-priced company. A recent car insurance study discovered that drivers who routinely shopped around saved an average of $3,400 over four years compared to those who don’t make a habit of comparing rates.
If finding budget-friendly rates on auto insurance in Scottsdale is your goal, then having some insight into how to shop for insurance rates can make it simple to find affordable coverage.
Locating the most cost-effective auto insurance policy in Scottsdale is actually quite simple. If you’re already insured or are looking for a new policy, take advantage of these tips to reduce premiums and possibly find even better coverage. You just have to understand the least time-consuming way to compare prices instantly.
The following companies are our best choices to provide quotes in Arizona. To find cheap car insurance in Arizona, we recommend you visit two to three different companies to get a more complete price comparison.
Companies offer money-saving discounts on Mazda 6 insurance in Scottsdale
Insurance can be pricey, but you can get discounts that you may not even be aware of. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be requested specifically before you get the savings.
- Clubs and Organizations – Participating in qualifying employment or professional organizations may earn a discount on insurance.
- Military Discounts – Being on active deployment in the military can result in better insurance rates.
- Save with a New Car – Buying a new car instead of a used 6 can save up to 30% compared to insuring an older model.
- First Accident Forgiveness – Not a discount per se, but certain companies will let one accident slide without raising rates so long as you haven’t had any claims for a set time period.
- Student Discounts – Being a good student may save you up to 25%. Earning this discount can benefit you well after school through age 25.
Discounts lower rates, but some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way.
The information below shows the comparison of Mazda 6 auto insurance rates with and without some available policy discounts. The data is based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, multi-car, marriage, and safe-driver discounts applied.
Companies and some of their more popular discounts are outlined below.
- GEICO includes discounts for defensive driver, emergency military deployment, daytime running lights, anti-lock brakes, and multi-vehicle.
- Mercury Insurance policyholders can earn discounts including type of vehicle, professional/association, anti-theft, low natural disaster claims, and multi-policy.
- Farmers Insurance offers discounts for pay in full, youthful driver, homeowner, multi-car, distant student, and early shopping.
- Auto-Owners Insurance may include discounts for good student, group or association, multi-policy, air bags, safe driver, paid in full, and safe vehicle.
- Liberty Mutual offers discounts including good student, new graduate, new move discount, newly retired, multi-car, and hybrid vehicle.
- SAFECO discounts include multi-car, teen safe driver, anti-theft, accident prevention training, and safe driver.
- Progressive offers premium reductions for online quote discount, online signing, multi-vehicle, homeowner, multi-policy, and good student.
- USAA may offer discounts for annual mileage, defensive driver, multi-policy, multi-vehicle, good student, loyalty savings, and military installation.
If you need inexpensive Scottsdale car insurance quotes, ask every insurance company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in Scottsdale. To choose companies that offer multiple discounts in Scottsdale, follow this link.
Coverage statistics and figures
The rate information displayed below covers a range of prices for Mazda 6 models. Learning as much as possible about how insurance quotes are determined can aid in making decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|6 I Sport 4-Dr Sedan||$162||$324||$338||$20||$102||$946||$79|
|6 I SV 4-Dr Sedan||$162||$324||$338||$20||$102||$946||$79|
|6 I Touring 4-Dr Sedan||$162||$324||$338||$20||$102||$946||$79|
|6 I Touring Plus 4-Dr Sedan||$182||$324||$338||$20||$102||$966||$81|
|6 I Touring Plus 4-Dr Sedan||$182||$324||$338||$20||$102||$966||$81|
|6 I Grand Touring 4-Dr Sedan||$182||$382||$338||$20||$102||$1,024||$85|
|6 S Touring Plus 6 Cyl 4-Dr Sedan||$182||$382||$338||$20||$102||$1,024||$85|
|6 S Touring Plus 4-Dr Sedan||$182||$382||$338||$20||$102||$1,024||$85|
|6 S Grand Touring 4-Dr Sedan||$182||$382||$338||$20||$102||$1,024||$85|
|6 S Grand Touring 6 Cyl 4-Dr Sedan||$182||$382||$338||$20||$102||$1,024||$85|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific location which can alter premium rates greatly.
The diagram below highlights how deductible choice and can impact Mazda 6 yearly insurance costs for different insured age categories. The data is based on a single female driver, comp and collision included, and no policy discounts are applied.
Cautious drivers save money
The information below shows how traffic citations and at-fault collisions influence Mazda 6 auto insurance rates for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Five factors that determine insurance premiums
Many things are considered when quoting car insurance. Most are fairly basic such as your driving record, although others are less obvious such as your credit history or your commute time.
The following are some of the things used by your company to calculate prices.
What are good liability limits? – The liability coverage on your policy will provide protection if a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
Alarm systems save money – Selecting a car model with advanced anti-theft systems can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft and help bring rates down.
Rates can change based on your address – Being located in small towns and rural areas is a good thing when it comes to insurance. Lower population translates into fewer accidents and lower theft and vandalism rates. Drivers in populated Arizona areas have more auto accidents and more time behind the wheel. More time behind the wheel means more chances of being involved in an auto accident.
Raise comp and collision deductibles and save – Insurance for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Examples of some claims that would be covered are a windshield shattered by a rock, hail damage, and having your car stolen. The deductibles you choose define how much you are required to spend before a claim is paid by your company. The more of the claim the insured is willing to pay, the less your insurance will be.
More policies can equal more savings – Many insurers give discounts for people that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to get quotes from other companies to verify if the discount is saving money.
Mazda 6 statistical loss data – Companies analyze past claim statistics when they calculate premium costs for each model. Vehicles that the statistics show to have increased losses will have a higher cost to insure. The next table illustrates the compiled insurance loss statistics for Mazda 6 vehicles.
For each coverage category, the statistical loss for all vehicles as a whole is equal to 100. Values that are under 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate frequent claims or a tendency for losses to be larger than average.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance is available from agents near you
Certain consumers just prefer to talk to an insurance agent and we recommend doing that Most agents can make sure you are properly covered and help file insurance claims. One of the benefits of comparing insurance prices online is that drivers can save money and get better rates and still buy from a local agent.
Once you complete this short form, the coverage information is sent to participating agents in Scottsdale who will give you quotes for your insurance coverage. There is no need to leave your house as quotes are delivered to you instantly. If you have a need to get a rate quote from a specific insurance company, you would need to jump over to their website and complete a quote there.
Picking an company requires you to look at more than just a cheap price. Any good agent in Scottsdale should know the answers to these questions.
- What company holds the largest book of business for them?
- Can they help ensure a fair claim settlement?
- Are they actively involved in the community?
- How long has the business existed?
- How experienced are they in personal risk management?
- Has the agent ever had any license suspensions?
- Do they make recommendations based only on price?
Auto insurance can be complex
When it comes to choosing insurance from an agent or online for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.
For instance, these questions can aid in determining whether or not you might need professional guidance.
- How high should deductibles be on a Mazda 6?
- Which companies will insure me after a DUI?
- Are there any extra discounts I can get?
- Am I covered if I crash into my own garage door?
- When should my teen driver be added to my policy?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Are split liability limits better than a combined single limit?
- Which companies will insure high-risk drivers?
- Should I drop comprehensive coverage on older vehicles?
If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.
Best auto insurance in Arizona
Insuring your vehicle with a high-quality insurance provider is hard considering how many different companies insure vehicles in Arizona. The company ratings shown next can help you decide which auto insurance companies to look at purchasing from.
Top 10 Scottsdale Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Scottsdale Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Shop around and save
Insureds who switch companies do it for a variety of reasons including poor customer service, policy non-renewal, extreme rates for teen drivers or even lack of trust in their agent. Regardless of your reason for switching companies, finding a new insurance company can be less work than you think.
The cheapest Mazda 6 insurance in Scottsdale is available both online and with local Scottsdale insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide price quotes online and usually these small, regional companies only sell through local independent agencies.
As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured dropped collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the best price.
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