Cheaper 2003 Mazda Mazda6 Car Insurance Quotes

Searching for lower car insurance rates for your Mazda Mazda6? Feel like you’re a prisoner to overpriced car insurance? Trust us when we tell you you’re not the only one.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with advertising and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

It’s a good habit to compare prices periodically because insurance rates change quite often. If you had the best rates on Mazda6 coverage a couple years back a different company probably has better rates today. There is a lot of bad information regarding car insurance on the internet, so I’m going to show you the best ways to reduce your car insurance bill.

If you currently have a car insurance policy, you should be able to save some money using these tips. Finding the best rates is easy if you know what you’re doing. Although car owners can benefit from knowing the way insurance companies determine prices.

Discounts can save BIG

Car insurance companies don’t always publicize every discount very clearly, so here is a list some of the more common and the harder-to-find ways to save on insurance.

  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Distant Student – Youth drivers who are attending college and do not have a car can receive lower rates.
  • 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%.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.

Drivers should understand that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

For a list of insurers who offer insurance discounts, click here.

Comparison of Auto Insurance

Comparing auto insurance rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company returns a rated price for coverage. This saves time by eliminating form submissions to each individual auto insurance company.

To get comparison pricing now click to open in new window.

The single downside to getting quotes like this is you can’t choose the insurers to get quotes from. So if you want to choose specific insurance companies to compare rates, we have a page of the cheapest auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make darn sure you compare the exact same coverage information with each company. If you enter differing limits it will be next to impossible to find the best deal for your Mazda Mazda6. Just a small difference in limits may cause a big price difference. Just remember that more quotes will improve the odds of getting lower pricing.

Mazda Mazda6 insurance rates have many determining factors

It’s important that you understand some of the elements that go into determining your insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that may reward you with better insurance coverage rates.

  • Your car’s features help determine rates – Choosing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you. If your Mazda is rated at least four stars on it is probably cheaper to insure.
  • Pay less if you’re married – Getting married actually saves money on your policy. It translates into being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • High credit ratings translate to low rates – Your credit score is a huge factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores. So if your credit history is low, you could be paying less to insure your 2003 Mazda Mazda6 by improving your rating.
  • Women pay lower rates – The statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Both sexes have accidents at about the same rate, but the males tend to have more serious accidents. They also have more aggressive citations such as reckless driving.
  • More than one policy can earn a discount – Most companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you may still want to shop around to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
  • With age comes lower rates – Older drivers are more responsible, tend to cause fewer accidents and are safer drivers. Teenage drivers are statistically proven to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.
  • Poor driving leads to higher costs – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Even a single moving violation can bump up the cost by as much as thirty percent. Drivers who have serious citations such as DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to continue driving.

Will just any policy work for me?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you would benefit from professional advice.

  • How high should my medical payments coverage be?
  • When can my company non-renew my policy?
  • Which is better, split liability limits or combined limits?
  • Does coverage extend to my business vehicle?
  • When does my teenage driver need to be added to my policy?
  • Do I have newly-aquired coverage?
  • Is business property covered if stolen from my car?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your car insurance policy

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Collision coverage

This coverage will pay to fix damage to your Mazda6 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, rolling your car, sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, damage from flooding, a broken windshield and falling objects. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.


Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, emergency aid, loss of income and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mazda Mazda6.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for doctor visits, EMT expenses, rehabilitation expenses and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Feed the piggy bank

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where someone dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

We just presented a lot of ways to reduce 2003 Mazda Mazda6 insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

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