Would you like to find low-cost Mazda 6 insurance in Atlanta? Trying to find better insurance prices for a new or used Mazda 6 in Georgia could be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.
There are both good and bad ways to compare auto insurance rates and you need to know the proper way to get price quotes for your Mazda and locate the lowest possible price either online or from Atlanta insurance agents.
Unimaginable but true, nearly 70% of consumers renewed their policy with the same company for a minimum of four years, and approximately 40% of consumers have never compared auto insurance rates at all. Many consumers in America can save 46.5% each year just by comparing rates, but they don't want to spend time to find affordable rates by getting comparison quotes.
It's a great practice to get comparison quotes on a regular basis because insurance prices are variable and change quite frequently. Even if you got the best quotes on Mazda 6 insurance in Atlanta a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you're going to learn the best way to save on auto insurance.
If you are insured now or need a new policy, use these money-saving tips to reduce the price you pay and possibly find even better coverage. Finding quotes for the lowest-priced policy in Atlanta is simple if you know the tricks. Vehicle owners just have to use the quickest method to compare rate quotes online.
Low-cost Mazda insurance prices in Atlanta
The providers in the list below are ready to provide free rate quotes in Atlanta, GA. If multiple companies are shown, we recommend you visit as many as you can to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|6 I Sport 4-Dr Sedan||$212||$404||$414||$24||$124||$1,178||$98|
|6 I SV 4-Dr Sedan||$184||$370||$476||$28||$142||$1,200||$100|
|6 I Touring 4-Dr Sedan||$180||$364||$512||$30||$154||$1,240||$103|
|6 I Touring Plus 4-Dr Sedan||$208||$370||$476||$28||$142||$1,224||$102|
|6 I Touring Plus 4-Dr Sedan||$296||$502||$414||$24||$124||$1,360||$113|
|6 I Grand Touring 4-Dr Sedan||$206||$372||$402||$24||$120||$1,124||$94|
|6 S Touring Plus 6 Cyl 4-Dr Sedan||$312||$556||$406||$24||$122||$1,420||$118|
|6 S Touring Plus 4-Dr Sedan||$332||$592||$402||$24||$120||$1,470||$123|
|6 S Grand Touring 4-Dr Sedan||$296||$592||$414||$24||$124||$1,450||$121|
|6 S Grand Touring 6 Cyl 4-Dr Sedan||$182||$372||$444||$26||$134||$1,158||$97|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in vehicle location which can decrease or increase rates significantly.
Car insurance deductibles
The information below highlights how deductible choice and can affect Mazda 6 yearly insurance costs for different age groups of insureds. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Difference between full coverage and liability only rates
The illustration below shows the comparison of Mazda 6 car insurance rates with and without full coverage. Data assumes no claims or driving violations, $100 deductibles, single male driver, and no discounts are applied.
Guidelines for dropping full coverage
There is no clear-cut formula of when to exclude physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let's say your Mazda 6 replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying the physical damage deductible. If you are paying more than $800 a year for your policy with full coverage, then it could be time to drop full coverage.
There are a few cases where dropping full coverage is not a good idea. If you haven't paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Car insurance discounts are available to get cheap rates
Car insurance can cost a lot, but you may find discounts to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be manually applied before they will apply.
- Telematics Data - Drivers who elect to allow data collection to look at when and where they use their vehicle by using a telematics device such as Progressive's Snapshot and State Farm's In-Drive could possibly reduce rates if they exhibit good driving behavior.
- Accident Forgiveness Coverage - Not a discount per se, but certain companies allow you one accident before they charge you more for coverage with the catch being you have to be claim-free for a specific time period.
- Club Memberships - Affiliation with qualifying employment or professional organizations may earn a discount on your next car insurance statement.
- Good Grades Discount - This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Discount for Low Mileage - Driving less can earn cheaper prices.
- Life Insurance Discount - Some insurance carriers give a lower car insurance rate if you buy a life policy as well.
Drivers should understand that some credits don't apply to the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it's possible to get free car insurance, company stockholders wouldn't be very happy.
Auto insurance companies who may offer most of the discounts above possibly include:
If you need low cost Atlanta auto insurance quotes, ask each company or agent what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in Atlanta. To see a list of car insurance companies offering car insurance discounts in Atlanta, click here to view.
How You Can Control Mazda 6 Insurance Prices
Many things are considered when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although others are more obscure like your continuous coverage or your financial responsibility.
Marriage brings a discount - Walking down the aisle may save some money on auto insurance. It translates into being more responsible and it's proven that drivers who are married file infrequent claims.
Never let your auto insurance policy expire - Driving without insurance coverage in place is a big no-no and companies may charge more for letting your coverage have a gap. Not only will you pay higher rates, not being able to provide proof of insurance might get you fines or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Georgia motor vehicle department to get your license reinstated.
Limits of liability insurance - Liability coverage is the protection if you are determined to be liable for physical damage or personal injury to other. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not skimp.
Annual mileage impacts rates - The more you drive each year the higher your rate. Almost all companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting receive better premium rates than vehicles that have high annual mileage. Incorrect rating for your 6 may be costing you higher rates. It's a smart idea to ensure your auto insurance coverage reflects how each vehicle is driven.
More performance means higher rates - The performance of the car, truck or SUV you need insurance for makes a substantial difference in your car insurance bill. The lowest premiums will normally be found when insuring the lowest performance passenger cars, but many other things help determine your insurance rates. Since the Mazda 6 is considered a sports sedan, insurance will be slightly higher when compared to the average rates in Atlanta.
Mazda 6 historical loss data - Insurance companies use statistical claims data when they set coverage costs for each model. Vehicles that tend to have higher losses will have higher rates. The information below illustrates the compiled insurance loss statistics for Mazda 6 vehicles.
For each policy coverage type, the statistical loss for all vehicles, regardless of make or model, is represented as 100. Values below 100 imply a favorable loss record, while values over 100 indicate a higher chance of having a claim or an increased chance of a larger loss.
Mazda 6 Insurance Claim Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
How to know if you need help
Keep in mind that when it comes to choosing the right insurance coverage, there is no best way to insure your cars. Your needs are unique to you.
For example, these questions might help in determining whether you could use an agent's help.
- How can I get high-risk coverage after a DUI?
- What is high-risk coverage and where do I buy it?
- What are good deductibles for a Mazda 6?
- Can my babysitter drive my car?
- Is extra glass coverage worth it?
- Am I covered if I break a side mirror?
- Should I have a commercial auto policy?
- Do I pay less if my vehicle is kept in my garage?
- Exactly who is provided coverage by my policy?
- Am I covered when delivering products for my home-based business?
If you can't answer these questions but you know they apply to you then you might want to talk to an agent. If you don't have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.
Do I need an insurance agency?
A lot of people just want to get professional advice from a licensed agent and that can be a great decision Insurance agents can make sure you are properly covered and will help you if you have claims. One of the benefits of getting free rate quotes online is you can get cheap rate quotes and still have an agent to talk to. Buying from local insurance agents is important especially in Atlanta.
Once you complete this form (opens in new window), the coverage information is immediately sent to local insurance agents that can provide free Atlanta auto insurance quotes for your insurance coverage. There is no need to find an agent since rate quotes are delivered straight to your inbox. In the event you want to get a rate quote from a specific insurance company, you can always find their quoting web page and fill out their quote form.
If you want a good insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Car insurance agents in Atlanta are either independent agents or exclusive agents. Either one can insure your vehicles, but it's worth learning the subtle differences since it can impact the type of agent you choose.
Independent Insurance Agents
These agents are not locked into one company so they can insure your vehicles through many different car insurance companies and find the cheapest rate. If your premiums go up, the agent simply finds a different carrier and you stay with the same agent. When searching for an agent, you will definitely want to get rate quotes from a few independent agents in order to compare the most rates. Many can place coverage with companies you've never heard of which can save you money.
Shown below is a list of independent insurance agents in Atlanta that may be able to give cheap rate quotes.
- Snellings Walters Insurance Agency
1117 Perimeter Center W - Atlanta, GA 30338 - (770) 396-9600 - View Map
- Siegel Insurance
2987 Clairmont Rd #425 - Atlanta, GA 30329 - (404) 633-6332 - View Map
- Access General Agency Inc
1627 Peachtree St NE - Atlanta, GA 30309 - (404) 817-9744 - View Map
Agents that elect to be exclusive can usually just insure with one company such as State Farm or Allstate. Exclusive agencies are unable to place coverage with different providers so keep that in mind. Exclusive agencies are usually quite knowledgeable on their company's products which helps offset the inability to provide other markets. Consumers frequently use the same agent partially due to the brand name and strong financial ratings.
The following is a short list of exclusive agents in Atlanta that can give you comparison quotes.
- Trevor Nollner - State Farm Insurance Agent
881 Ponce De Leon Ave NE #17 - Atlanta, GA 30306 - (678) 515-8297 - View Map
- State Farm: Dave Simpson Jr
2240 Fairburn Rd SW - Atlanta, GA 30331 - (404) 344-9777 - View Map
- American Family Insurance - Sheree Johnson
1218 Fairburn Rd SW #204 - Atlanta, GA 30331 - (404) 682-1940 - View Map
Picking an insurance agency should depend on more than just a low price. Agents should be asked these questions:
- Will the agent help in case of a claim?
- Do they get paid more for recommending certain coverages?
- Is assistance available after office hours?
- Can they help ensure a fair claim settlement?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Be persistent to save money
Lower-priced insurance in Atlanta can be sourced online in addition to many Atlanta insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide rate quotes online and these small, regional companies only sell through independent agencies.
In this article, we covered a lot of information how to lower your Mazda 6 insurance premium rates in Atlanta. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced insurance comes from a lesser-known regional company.
When shopping online for insurance, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped full 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 lowest possible cost and still be able to protect your assets.
To learn more, link through to the resources below:
- Comprehensive Coverage (Liberty Mutual)
- Who Has Affordable Auto Insurance for Homeowners in Atlanta? (FAQ)
- Who Has the Cheapest Auto Insurance for Felons in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for Electric Cars in Atlanta? (FAQ)
- How Much is Auto Insurance for Single Moms in Atlanta? (FAQ)
- How Much are Atlanta Car Insurance Rates for Low Income Drivers? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)