Cheapest Quotes for Mazda 6 Insurance in Orlando

Insurance for Mazda 6Truthfully, the best way to find discount auto insurance rates is to start comparing rates regularly from insurance carriers in Orlando.

Step 1: Take a little time to learn about how insurance companies determine prices and the measures you can take to prevent high rates. Many risk factors that drive up the price like speeding tickets, accidents and poor credit rating can be controlled by being financially responsible and driving safely.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and State Farm, while independent agents can quote prices from many different companies.

Step 3: Compare the quotes to your existing coverage to see if a cheaper rate is available. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide notification to your current agent or company of your decision to cancel your current car insurance policy. Submit the application along with any required down payment to your new company or agent. Once received, store the proof of insurance paperwork in an easily accessible location.

One piece of advice is to make sure you enter identical limits and deductibles on each price quote and and to analyze every insurance company. This ensures a level playing field and a complete selection of prices.

It’s amazing but nearly 70% of customers have stayed with the same insurance company for at least four years, and nearly the majority have never quoted car insurance rates at all. Many drivers in Florida could cut their rates by as much as $1,100 a year, but they don’t invest the time required to save money by comparing rate quotes.

Most major insurance companies allow consumers to get coverage prices on the web. Comparing Mazda 6 insurance rates online can be done by anyone as you simply type in your personal and coverage information as requested by the quote form. Upon sending the form, their rating system automatically orders your driving record and credit report and returns pricing information.

This makes it a lot easier to compare rates and it is imperative to do this in order to get the lowest possible payments on insurance.

If you want to get comparison pricing now, check out the insurance providers below. If you have a policy now, it’s recommended you replicate the coverages identical to your current policy. This makes sure you will be getting a rate comparison based on similar coverages.

The companies shown below offer free rate quotes in Florida. If you want cheaper auto insurance in Florida, it’s highly recommended you get rates from several of them to get a more complete price comparison.

Car insurance discounts are available for cheaper rates

Some providers do not list the entire discount list in a way that’s easy to find, so the list below details both well-publicized and the harder-to-find discounts that you may qualify for. If you don’t get every credit you qualify for, you are not getting the best rate possible.Car insurance discounts

One last thing about discounts, most discounts do not apply to the whole policy. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky.

The diagram below visualizes the comparison of Mazda 6 annual premium costs with and without discounts applied to the policy rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision 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, marriage, safe-driver, multi-car, multi-policy, and homeowner discounts applied.

Companies and the discounts they provide can be found below.

If you are trying to find low cost Orlando car insurance quotes, ask each company which credits you are entitled to. All car insurance discounts may not apply to policies in Orlando. To view insurance companies that offer discounts in Orlando, click here to view.

Mazda 6 insurance analysis

The information shown below covers different policy rates for Mazda 6 models. Learning how insurance premiums are calculated is important to be able to make informed decisions when comparing rate quotes.

Mazda 6 Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $194 $334 $426 $26 $128 $1,108 $92
6 I SV 4-Dr Sedan $194 $334 $426 $26 $128 $1,108 $92
6 I Touring 4-Dr Sedan $194 $334 $426 $26 $128 $1,108 $92
6 I Touring Plus 4-Dr Sedan $218 $334 $426 $26 $128 $1,132 $94
6 I Touring Plus 4-Dr Sedan $218 $334 $426 $26 $128 $1,132 $94
6 I Grand Touring 4-Dr Sedan $218 $394 $426 $26 $128 $1,192 $99
6 S Touring Plus 6 Cyl 4-Dr Sedan $218 $394 $426 $26 $128 $1,192 $99
6 S Touring Plus 4-Dr Sedan $218 $394 $426 $26 $128 $1,192 $99
6 S Grand Touring 4-Dr Sedan $218 $394 $426 $26 $128 $1,192 $99
6 S Grand Touring 6 Cyl 4-Dr Sedan $218 $394 $426 $26 $128 $1,192 $99
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in vehicle location which can decrease or increase auto insurance rates considerably.

Policy deductible comparison

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The rates shown below illustrate the premium difference when you buy lower versus higher comp and collision deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Mazda 6 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $322 $544 $418 $24 $124 $1,457 $121
6 I SV 4-Dr Sedan $322 $544 $418 $24 $124 $1,457 $121
6 I Touring 4-Dr Sedan $322 $544 $418 $24 $124 $1,457 $121
6 I Touring Plus 4-Dr Sedan $364 $544 $418 $24 $124 $1,499 $125
6 I Touring Plus 4-Dr Sedan $364 $544 $418 $24 $124 $1,499 $125
6 I Grand Touring 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
6 S Touring Plus 6 Cyl 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
6 S Touring Plus 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
6 S Grand Touring 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
6 S Grand Touring 6 Cyl 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
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Mazda 6 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $262 $438 $418 $24 $124 $1,266 $106
6 I SV 4-Dr Sedan $262 $438 $418 $24 $124 $1,266 $106
6 I Touring 4-Dr Sedan $262 $438 $418 $24 $124 $1,266 $106
6 I Touring Plus 4-Dr Sedan $296 $438 $418 $24 $124 $1,300 $108
6 I Touring Plus 4-Dr Sedan $296 $438 $418 $24 $124 $1,300 $108
6 I Grand Touring 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
6 S Touring Plus 6 Cyl 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
6 S Touring Plus 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
6 S Grand Touring 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
6 S Grand Touring 6 Cyl 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in garaging location in Orlando which can influence prices significantly.

Based on the above data, using a $250 deductible could cost the average driver approximately $17 more each month or $204 each year averaged for all 6 models than choosing the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 15 months between claim filings, you would come out ahead going with the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $128
Average monthly premium for $500 deductibles (subtract): – $111
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important note is that raising deductibles means you will have to pay more when you do file a claim. You must have enough extra savings in the event you need to pay the deductible for vehicle repair.

The illustration below demonstrates how deductible levels and can impact Mazda 6 insurance costs for different age groups. The data is based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Full coverage versus liability-only

The information below illustrates the comparison of Mazda 6 insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied.

When to drop comprehensive and collision coverage

There is no set rule to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s pretend your Mazda 6 claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your policy deductible. If you are paying over $600 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some situations where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Orlando car insurance company ratings

Ending up with a high-quality car insurance company can be a challenge considering how many different insurance companies sell coverage in Florida. The ranking data shown below may help you analyze which companies you want to consider putting your business with.

Top 10 Orlando Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Orlando Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

How Insurance Providers Determine Mazda 6 Insurance Prices

Multiple criteria are used when quoting car insurance. A few of the factors are predictable such as your driving history, although some other factors are less obvious such as whether you are married or your vehicle rating. Consumers need to have an understanding of a few of the rating criteria that go into determining your car insurance rates. When you understand what impacts premium levels, this enables informed choices that can earn you cheaper rates.

The list below includes most of the major factors used by companies to determine your rates.

Your occupation may affect rates – Careers such as real estate brokers, airline pilots, and accountants tend to pay higher premium rates because of stressful work requirements and incredibly demanding work hours. Conversely, occupations such as farmers, historians and retirees pay lower than average rates.

Protect yourself with liability insurance – Your policy’s liability coverage is the coverage that protects you if you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court starting from day one. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.

No policy claims equals cheaper premiums – If you file a lot of claims you can look forward to much higher rates or policy non-renewal. Car insurance companies in Florida give better rates to people that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for more catastrophic claims.

Improve your credit rating and save – Your credit history factor in calculating your car insurance rates. Drivers who have very good credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit history can be improved, you could save money insuring your Mazda 6 by improving your rating.

Only buy extra policy coverages you need – There are many optional add-on coverages that can add up on your 6 policy. Coverages for personal injury protection, towing coverage, and term life insurance are probably not needed. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate them to save money.

Single drivers take more risk – Having a significant other may earn you lower rates on your car insurance bill. It translates into being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.

Always have car insurance – Not maintaining insurance is illegal and any future policy may cost more because you let your insurance expire. And not only will your rates increase, failure to provide proof of insurance will get you fines and jail time.

Insurance loss probability for a Mazda 6 – Insurers use past loss statistics for each vehicle when setting premium rates. Models that the data shows to have increased claim numbers or amounts will cost more for coverage.

The data below shows the collected loss data for Mazda 6 vehicles. For each policy coverage, the loss probability for all vehicles compiled together is equal to 100. Percentages below 100 suggest a positive loss record, while values over 100 point to more claims or an increased chance of larger losses than average.

Insurance Loss Ratings for Mazda 6 Vehicles
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Mazda 6 99 92 112 94 98 94

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years