Scraping up a payment for pricey Mazda 6 insurance in Fort Worth can bleed your bank account and force you to tighten up your finances. Comparing price quotes is recommended to cut your insurance bill.
We don’t have to point out that fact that car insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around for cheaper price quotes are very likely to switch car insurance companies because of the good chance of finding lower prices. A recent car insurance study revealed that consumers who routinely shopped for cheaper coverage saved approximately $3,450 over four years as compared to drivers who never compared rates.
If finding low prices for auto insurance is the reason you’re reading this, then having some insight into how to get free comparison quotes and analyze cheaper coverage can help you succeed in finding affordable rates.
Online insurance companies like State Farm and GEICO all claim big savings, bombarding you with fancy advertisements and it is difficult to see past the geckos and flying pigs and find the best price available.
You should make it a habit to get comparison quotes at least once a year due to the fact that insurance rates are usually higher with each renewal. Even if you got the best deal on Mazda 6 insurance in Fort Worth a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the quickest ways to find great coverage at a great price.
Quote Fort Worth Mazda 6 insurance online
When price shopping your coverage, comparing a large number of companies provides better odds of finding more affordable insurance. Not every company does Fort Worth 6 insurance quotes over the internet, so you should also compare price estimates on coverage from those companies, too.
The providers in the list below have been selected to offer price comparisons in Fort Worth, TX. If multiple companies are listed, we suggest you visit two to three different companies to find the cheapest auto insurance rates.
Mazda 6 insurance charts and tables
The coverage table below covers detailed analysis of insurance prices for Mazda 6 models. Understanding how car insurance premiums are figured can assist in making decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|6 I Sport 4-Dr Sedan||$282||$580||$400||$24||$120||$1,406||$117|
|6 I SV 4-Dr Sedan||$282||$580||$400||$24||$120||$1,406||$117|
|6 I Touring 4-Dr Sedan||$282||$580||$400||$24||$120||$1,406||$117|
|6 I Touring Plus 4-Dr Sedan||$318||$580||$400||$24||$120||$1,442||$120|
|6 I Touring Plus 4-Dr Sedan||$318||$580||$400||$24||$120||$1,442||$120|
|6 I Grand Touring 4-Dr Sedan||$318||$684||$400||$24||$120||$1,546||$129|
|6 S Touring Plus 6 Cyl 4-Dr Sedan||$318||$684||$400||$24||$120||$1,546||$129|
|6 S Touring Plus 4-Dr Sedan||$318||$684||$400||$24||$120||$1,546||$129|
|6 S Grand Touring 4-Dr Sedan||$318||$684||$400||$24||$120||$1,546||$129|
|6 S Grand Touring 6 Cyl 4-Dr Sedan||$318||$684||$400||$24||$120||$1,546||$129|
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate information does not factor in Fort Worth location which can change premium rates noticeably.
The example below illustrates how your choice of deductibles and can affect Mazda 6 insurance prices for each different age group. The prices are based on a married female driver, comp and collision included, and no discounts are factored in.
Do you need full coverage?
The example below illustrates the difference between Mazda 6 insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or accidents, $100 deductibles, single status, and no discounts are taken into consideration.
When to stop buying full coverage
There is no clear-cut formula for dropping full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Mazda 6 book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying the physical damage deductible. If you are paying more than $400 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few cases where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Buy Lower-cost Insurance with These Tips
Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for insurance. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can earn you lower insurance prices. Many things are used in the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, but others are less apparent like your continuous coverage and annual miles driven.
The items below are some of the factors companies use to determine premiums.
- No insurance claims equals lower prices – If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Companies in Texas generally give better rates to policyholders who do not file claims often. Insurance coverage is intended to be relied upon for more catastrophic claims.
- Low coverage deductibles mean high premiums – Deductibles for physical damage represent how much money the insured will be required to pay before a claim is paid by your company. Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some instances where coverage would apply are collision with another vehicle, fire damage, and damage from wind. The more you pay before a claim is paid (deductible), the bigger discount you will receive.
Premiums are high for teenagers – More experienced drivers are shown to be more cautious, tend to file fewer claims, and usually have better credit. Teen drivers have been known to be less responsible in a vehicle so insurance rates are higher.
The following data is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
- Poor credit can mean higher premiums – Having a bad credit score is likely to be a major factor in determining your rates. If your credit history could use some work, you may save money insuring your Mazda 6 if you improve your credit rating. Drivers with very good credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
- Save money with theft deterrents – Buying a car with a theft deterrent system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Pay more by driving carelessly – Good drivers have lower premiums than bad drivers. Even one ticket may cause rates to rise forty percent or more. Drivers who have dangerous tickets like DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 or proof of financial responsibility with their state in order to continue driving.
The example below demonstrates how speeding tickets and fender-benders can affect Mazda 6 insurance costs for each age group. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
- Save miles driven and save money – The more miles you rack up on your Mazda in a year’s time the higher the price you pay to insure it. Many insurance companies calculate rates based on how the vehicle is used. Vehicles that have low annual miles cost less to insure than vehicles that have high annual mileage. It’s a good idea to make sure your declarations sheet shows the correct usage. Having an incorrect usage rating on your 6 can cost quite a bit.
Is insurance cheaper for men or women? – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both genders cause auto accidents at about the same rate, but men have accidents that have higher claims. Men also get cited for more serious violations like driving under the influence (DUI).
The example below visualizes the comparison of Mazda 6 insurance costs for male and female drivers. The rates are based on no violations or claims, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied.
Insurance loss data for a Mazda 6 – Insurers take into consideration historical loss data for every vehicle when they file their rates in each state. Models that tend to have increased claim numbers or amounts will have increased rates.
The table below outlines the loss history for Mazda 6 vehicles. For each policy coverage type, the claim amount for all vehicles, without regard to make or model, is represented as 100. Values below 100 imply a favorable loss record, while numbers above 100 point to more losses or an increased chance of a larger loss.
Mazda 6 Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Mazda 6 99 92 112 94 98 94BETTERAVERAGEWORSE
Statistics from IIHS.org for 2013-2015 Model Years
Best reasons to buy auto insurance in Texas
Even though Fort Worth 6 insurance rates can get expensive, insurance is a good idea for several reasons.
- Just about all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a loan, most lenders will stipulate that you carry insurance to guarantee payment of the loan. If the policy lapses, the bank may buy a policy for your Mazda at a much higher rate and force you to pay for the expensive policy.
- Auto insurance protects both your car and your personal assets. Insurance will pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your Mazda gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of buying auto insurance more than offset the price you pay, especially with large liability claims. The average driver in Texas overpays as much as $810 a year so compare rates once a year at a minimum to help ensure money is not being wasted.