Everyone knows that car insurance companies don’t want you quoting rates from other companies. Consumers who compare rates at least once a year will most likely buy a different policy because they stand a good chance of finding a lower-priced company. A recent insurance study discovered that people who regularly compared rates saved an average of $865 a year compared to those who never shopped for cheaper rates.
If finding the best price on Mazda 6 insurance is why you’re here, then having some knowledge of the best way to compare insurance can help make the process easier.
If your goal is the lowest price, then the best way to find discount auto insurance rates is to start doing an annual price comparison from different companies in Dallas. You can shop around by following these guidelines.
- Get an understanding of individual coverages and the modifications you can make to prevent expensive coverage. Many policy risk factors that are responsible for high rates like traffic citations and a less-than-favorable credit rating can be rectified by paying attention to minor details.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple sources.
- Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find better rates and change companies, ensure coverage does not lapse between policies.
- Tell your current agent or company to cancel your current coverage. Submit a completed application and payment to the new insurer. Immediately upon receiving it, place your new proof of insurance paperwork with the vehicle registration.
The most important part of this process is to try to use identical coverage information on each price quote and and to get rate quotes from as many different companies as possible. Doing this helps ensure a fair rate comparison and plenty of rates choose from.
The car insurance companies shown below have been selected to offer comparison quotes in Texas. If several companies are displayed, it’s highly recommended you compare several of them in order to find the cheapest rates.
Coverage statistics and figures
The information shown next showcases estimates of rate quotes for Mazda 6 models. Learning as much as possible about how insurance prices are determined can be valuable when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $326 | $610 | $514 | $30 | $154 | $1,634 | $136 |
| 6 I SV 4-Dr Sedan | $326 | $610 | $514 | $30 | $154 | $1,634 | $136 |
| 6 I Touring 4-Dr Sedan | $326 | $610 | $514 | $30 | $154 | $1,634 | $136 |
| 6 I Touring Plus 4-Dr Sedan | $368 | $610 | $514 | $30 | $154 | $1,676 | $140 |
| 6 I Touring Plus 4-Dr Sedan | $368 | $610 | $514 | $30 | $154 | $1,676 | $140 |
| 6 I Grand Touring 4-Dr Sedan | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| 6 S Touring Plus 4-Dr Sedan | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| 6 S Grand Touring 4-Dr Sedan | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific Dallas garaging location which can increase or decrease premium rates greatly.
Choosing deductibles
A question often asked by Dallas drivers is which comprehensive and collision deductibles to buy. The rates shown below help summarize the difference in cost between low and high insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| 6 I SV 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| 6 I Touring 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| 6 I Touring Plus 4-Dr Sedan | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| 6 I Touring Plus 4-Dr Sedan | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| 6 I Grand Touring 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 6 S Touring Plus 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 6 S Grand Touring 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| 6 I SV 4-Dr Sedan | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| 6 I Touring 4-Dr Sedan | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| 6 I Touring Plus 4-Dr Sedan | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| 6 I Touring Plus 4-Dr Sedan | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| 6 I Grand Touring 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 6 S Touring Plus 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 6 S Grand Touring 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in garaging location in Dallas which can raise or lower insurance rates considerably.
Based on the figures above, using a $250 deductible could cost the average driver approximately $16 more each month or $192 each year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 16 months between claim filings, you would save more money going with the higher deductible.
Insurance prices based on gender
The chart below compares Mazda 6 insurance costs for male and female drivers. The premiums assume no claims or driving citations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Full coverage versus liability only rates
The illustration below shows the comparison of Mazda 6 auto insurance costs with full physical damage coverage and with liability coverage only. The information is based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are factored in.
When to drop comp and collision
There is no specific rule of when to exclude physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Mazda 6 replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after you pay the deductible. If you are currently paying more than $800 annually for full coverage, then it may be the right time to buy liability only.
There are some cases where only buying liability is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage.
Do you qualify for discounts?
Auto insurance is expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but some discounts are required to be requested specifically prior to receiving the credit.
- No Claims – Insureds who avoid accidents and claims pay less when compared with accident-prone drivers.
- Organization Discounts – Belonging to a professional or civic organization could trigger savings on your next renewal.
- Discount for Swiching Early – A few auto insurance companies give discounts for switching companies prior to your current 6 insurance policy expiration. This discount can save up to 10%.
- Discount for Life Insurance – Larger companies have a lower price if you buy a life insurance policy as well.
- Paperless Signup – A few larger online companies provide a small discount simply for signing on the web.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.
- Senior Citizen Discount – If you qualify as a senior citizen, you could receive better auto insurance rates.
- Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
- Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
As a footnote on discounts, most credits do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The diagram below illustrates the comparison of Mazda 6 car insurance costs with and without some available policy discounts. The costs are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, safe-driver, and multi-policy discounts applied.
A list of companies and their possible discounts are shown below.
- Esurance may have discounts that include multi-policy, Pac-12 alumni, online shopper, good student, and multi-car.
- The Hartford discounts include vehicle fuel type, air bag, defensive driver, anti-theft, good student, bundle, and driver training.
- AAA includes discounts for multi-policy, anti-theft, AAA membership discount, education and occupation, good driver, good student, and pay-in-full.
- GEICO offers premium reductions for daytime running lights, anti-theft, good student, driver training, and federal employee.
- State Farm offers discounts for Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, accident-free, anti-theft, multiple autos, and multiple policy.
Check with each company or agent which discounts you may be entitled to. Some discounts listed above might not be available to policyholders everywhere. For a list of auto insurance companies that have a full spectrum of discounts in Dallas, follow this link.
Three reasons to not skimp on car insurance
Even though it’s not necessarily cheap to insure a Mazda in Dallas, car insurance is mandatory in Texas but it also protects more than you think.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability coverage in order to drive the car legally. 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 Mazda 6 has a lienholder, more than likely the lender will make it mandatory that you buy full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Mazda at a more expensive rate and force you to pay for the expensive policy.
- Insurance safeguards your car and your assets. Insurance will pay for medical bills for yourself as well as anyone injured by you. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance outweigh the cost, especially when you need to use it. The average driver in Texas is overpaying over $869 every year so it’s very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.
What is the best car insurance coverage?
When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
For example, these questions can aid in determining if your situation would benefit from an agent’s advice.
- Is a blown tire covered by insurance?
- Should I carry comprehensive and collision coverage?
- What does roadside assistance cover?
- Should I bundle my homeowners policy with my auto?
- I have a DUI can I still get coverage?
- Does coverage extend to Mexico or Canada?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.
When to talk to an insurance agency
Certain consumers just prefer to talk to a local agent and that is recommended in a lot of cases Professional insurance agents can help determine the best coverages and help submit paperwork. A nice benefit of getting online price quotes is the fact that you can find the lowest rates and still have an agent to talk to. Buying from local insurance agents is still important in Dallas.
After filling out this form (opens in new window), the quote information is emailed to companies in Dallas who will gladly provide quotes and help you find cheaper coverage. You won’t need to leave your computer as quotes are delivered to the email address you provide. If you want to compare rates from a specific auto insurance provider, you can always visit that company’s website and fill out the quote form the provide.
If you want to use a reliable insurance agency, you need to know there are two different agency structures that you can choose from. Auto insurance policy providers can either be independent agents or exclusive agents. Both types can properly insure your vehicles, but it’s worth learning the subtle differences because it can impact your selection of an agent.
Independent Auto Insurance Agents
Independent agents do not work for one specific company so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When comparing auto insurance prices, we recommend you include price quotes from several independent insurance agents to ensure the widest selection of prices. Most independent agents also contract with mutual insurance companies which may provide better rates.
Featured below are Dallas independent insurance agencies that can give you rate quotes.
- Harrison Insurance Agency
5001 Spring Valley Rd #400e – Dallas, TX 75244 – (972) 250-1776 – View Map - Thumann Agency, Inc
12770 Coit Rd Suite 110 – Dallas, TX 75251 – (972) 991-9100 – View Map - Bankhead Insurance Agency LLC
10935 Estate Ln #380 – Dallas, TX 75238 – (214) 343-1333 – View Map
Exclusive Agents
These type of agents work for only one company and examples are Allstate, Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they have no alternatives for high prices. These agents are usually well trained on their company’s products which helps overcome the inability to quote other rates. Drivers often buy insurance from these agents partially due to the brand legacy instead of buying on price only.
The following is a short list of exclusive agents in Dallas that can give you comparison quotes.
- State Farm: Brent Cooper
5232 Forest Ln #111 – Dallas, TX 75244 – (214) 987-1995 – View Map - John Hamman – State Farm Insurance Agent
8330 Abrams Rd #104 – Dallas, TX 75243 – (214) 341-3050 – View Map - Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128 – View Map
Choosing the best auto insurance agent requires you to look at more than just the bottom line cost. Get answers to these questions too.
- Do they get extra compensation for selling add-on coverages?
- Do you need full coverage on every vehicle?
- Who are their largest clients?
- Is the agent and/or agency licensed to do business in Texas?
- Which insurance company do they prefer to write with?
- What are their preferred companies if they are an independent agency?
- Will a damage claim use OEM or aftermarket replacement parts?