It takes a little time, but the best way to quote cheaper Mazda 6 insurance is to regularly compare prices from insurers who sell auto insurance in Bakersfield. This can be done by completing these steps.
- Step 1: Spend a few minutes and learn about individual coverages and the factors you can control to keep rates low. Many policy risk factors that cause rate increases like speeding tickets, accidents and bad credit can be rectified by making minor changes to your lifestyle.
- Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple companies.
- Step 3: Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
- Step 4: Give notification to your current company of your decision to cancel your current auto insurance policy and submit payment and a completed application for the new policy. Once coverage is bound, store the certificate verifying proof of insurance in an easily accessible location in your vehicle.
An important part of this process is to try to use identical coverages on each quote request and and to look at all possible companies. Doing this guarantees the most accurate price comparison and many rates to choose from.
It goes without saying that insurance companies don’t want you to compare rates. People who get price quotes annually are highly likely to switch companies because they have good chances of getting low-cost coverage. A study showed that people who routinely shopped around saved on average $850 each year compared to people who don’t make a habit of comparing rates.
If finding the cheapest price for Mazda 6 insurance is the reason for your visit, then understanding how to shop for insurance rates can save money and time.
Buying the cheapest insurance in Bakersfield is easy if you know what you’re doing. If you are paying for car insurance now, you will surely be able to lower your rates using the techniques covered below. But California car owners can benefit by having an understanding of how big insurance companies charge you for coverage because rates fluctuate considerably.
Auto insurance discounts help lower rates for Mazda 6 insurance in Bakersfield
Companies that sell car insurance don’t always list every possible discount very clearly, so the below list has a few of the more well known as well as some of the hidden credits available to bring down your rates. If you don’t get every credit possible, you may be paying too high a price.
- Early Signing – Some companies give discounts for buying a policy prior to the expiration date on your current 6 insurance policy. It can save you around 10%.
- Multiple Vehicles – Buying insurance for multiple cars or trucks on the same auto insurance policy can get a discount for every vehicle.
- Military Discounts – Having an actively deployed family member could qualify you for better rates.
- Save with a New Car – Insuring a new 6 can cost up to 25% less since newer vehicles are generally safer.
- Drive Safe and Save – Insureds without accidents may save up to 50% more than drivers with accidents.
- Defensive Driver Discounts – Taking part in a course that instructs on driving safety could save 5% or more and easily recoup the cost of the course.
- Driving Data Discount – People who choose to allow their insurance company to scrutinize when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they have good driving habits.
Please keep in mind that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
The chart below visualizes the comparison of Mazda 6 car insurance rates with and without discounts. Data assumes a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, safe-driver, homeowner, and claim-free discounts applied.
Insurance companies that may have these discounts include:
When getting free Bakersfield car insurance quotes, it’s a good idea to each company or agent which credits you are entitled to. All car insurance discounts might not be offered on policies everywhere. To view insurers with significant discounts in Bakersfield, click here to view.
Just keep in mind that comparing more quotes increases the chance that you will find lower pricing. Some smaller insurers do not give online rate quotes, so it’s important to compare prices from them, too.
The companies shown below offer free quotes in California. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.
Mazda 6 coverage analysis
The price information shown below outlines a range of insurance policy prices for Mazda 6 models. Learning as much as possible about how insurance prices are calculated 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 | $294 | $564 | $500 | $30 | $150 | $1,538 | $128 |
| 6 I SV 4-Dr Sedan | $294 | $564 | $500 | $30 | $150 | $1,538 | $128 |
| 6 I Touring 4-Dr Sedan | $294 | $564 | $500 | $30 | $150 | $1,538 | $128 |
| 6 I Touring Plus 4-Dr Sedan | $332 | $564 | $500 | $30 | $150 | $1,576 | $131 |
| 6 I Touring Plus 4-Dr Sedan | $332 | $564 | $500 | $30 | $150 | $1,576 | $131 |
| 6 I Grand Touring 4-Dr Sedan | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| 6 S Touring Plus 4-Dr Sedan | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| 6 S Grand Touring 4-Dr Sedan | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $332 | $664 | $500 | $30 | $150 | $1,676 | $140 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific Bakersfield garaging location which can alter coverage rates significantly.
Policy deductible comparison
When shopping for insurance, a common question is where to set your physical damage deductibles. The figures shown below may aid in understanding the price difference when you select higher and lower coverage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I SV 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I Touring 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I Touring Plus 4-Dr Sedan | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| 6 I Touring Plus 4-Dr Sedan | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| 6 I Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Touring Plus 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I SV 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I Touring 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I Touring Plus 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| 6 I Touring Plus 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| 6 I Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Touring Plus 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in specific garaging location which can lower or raise auto insurance rates substantially.
Based on the above data, using a $250 deductible would cost the average driver about $34 more each month or $408 each year across all Mazda 6 models than quoting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 22 months between claims, you would most likely save money if you choose a higher deductible.
The diagram below demonstrates how deductibles and can impact Mazda 6 insurance premiums for each age group. The prices are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Full coverage or liability only
The information below illustrates the difference between Mazda 6 car insurance rates with full coverage compared to only the California minimum liability coverage. The premiums are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied.
Deciding between full coverage and liability only
There is no definitive guideline of when to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Mazda 6 replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying your deductible. If you are paying more than $200 a year for physical damage coverage, then it could be time to drop full coverage.
There are some cases where only buying liability is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Special considerations
Always remember that when buying insurance from an agent or online for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and your car insurance should unique, too.
Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.
- When should I buy a commercial auto policy?
- Do I get a pro-rated refund if I cancel my policy early?
- What can I do if my company won’t pay a claim?
- Can I make deliveries for my home business?
- Is motorclub coverage worth it?
- Do I have coverage if my license is suspended?
- What is an umbrella policy?
- Will filing a claim cost me more?
- Do I have ACV or replacement cost coverage?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
When should I get advice from an insurance agency?
Some consumers just prefer to sit down with an agent and we recommend doing that One of the benefits of comparing rates online is you may find the lowest rates and still buy from a local agent.
After completing this simple form, your information is instantly submitted to participating agents in Bakersfield who will give you bids to get your business. You don’t have to find an agent since rate quotes are delivered to your email. You can find better rates without a big time investment. If you want to get a comparison quote from one company in particular, feel free to visit that company’s website and submit a quote form there.
Selecting an provider should include more criteria than just a cheap price. Any agent in Bakersfield should be willing to answer these questions.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do you qualify for any additional discounts?
- How many companies do they write for?
- Is there a Errors and Omissions policy in force?
- Are all drivers listed on the coverage quote?
More effort can pay off
Lower-priced insurance in Bakersfield is attainable on the web in addition to many Bakersfield insurance agents, so get free Bakersfield car insurance quotes from both of them to have the best rate selection. There are still a few companies who do not offer online quoting and usually these small insurance companies prefer to sell through local independent agents.
As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.
Additional insurance information is available at the links below
- Understanding Rental Car Insurance (Insurance Information Institute)
- Who Has the Cheapest Bakersfield Auto Insurance for a Dodge Ram? (FAQ)
- How Much are Car Insurance Rates for 17 Year Olds in Bakersfield? (FAQ)
- What Car Insurance is Cheapest for Teachers in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance Rates for Veterans in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance Rates for a Subaru Outback in Bakersfield? (FAQ)
- What Auto Insurance is Cheapest for Handicapped Drivers in Bakersfield? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Insuring a Leased Car (Insurance Information Institute)