Car Insurance Quotes for a Mazda 6 in Mesa

It’s hard to fathom, but nearly 70% of drivers have stayed with the same insurance company for over three years, and roughly 40% of drivers have never shopped around. Many drivers in Mesa could cut their rates by almost 50% a year by just comparing rate quotes, but most tend to underestimate the large savings they would see if they bought a different policy.

Insurance rates Mazda 6 in MesaIf you want to save money, the best way to find cheaper auto insurance rates in Mesa is to begin comparing prices regularly from insurers in Arizona.

The most important part of this process is to use identical coverage information on each quote request and and to get quotes from as many companies as feasibly possible. This guarantees a fair price comparison and a complete rate analysis.

Pricing the cheapest car insurance coverage in Mesa is not as confusing as people think. In essence, every driver who compares rate quotes for car insurance will be able to cut their insurance bill. But Arizona car owners need to learn the way insurance companies sell online because it varies considerably.

How much is Mazda 6 insurance in Mesa, Arizona?

When shopping for Mazda 6 insurance in Mesa there are multiple ways to obtain and compare prices from different Mesa insurance companies. The recommended way to find affordable Mazda 6 insurance rates is to use the internet to compare rates.

Getting free rates online is quite simple, and it takes the place of having to go to local Mesa insurance agencies. The ability to get quotes online makes this process obsolete unless you require the advice and guidance that can only be provided by a licensed insurance agent. Some companies do allow you to obtain prices from the web but have a local agent actually write the policy.

Just remember that comparing more rates from different companies will improve the odds of getting the best rates. Some companies don’t provide rate quotes online, so it’s important to also get price estimates from the smaller companies as well.

The providers in the list below are our best choices to provide comparison quotes in Arizona. If multiple companies are listed, we suggest you get price quotes from several of them to get a more complete price comparison.

Do you qualify for these seven discounts?

Car insurance companies do not advertise the entire discount list very well, so the following is a list of some of the more common in addition to some of the lesser obvious discounts that you may qualify for.Auto insurance discounts

Remember that many deductions do not apply to the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way. But any discount will reduce the amount you pay for coverage.

The information below illustrates the difference between Mazda 6 insurance premiums with and without policy discounts. The rates are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, claim-free, and safe-driver discounts applied.

If you would like to view insurers who offer cheap Mazda 6 insurance quotes in Mesa in Arizona, follow this link.

Mazda 6 insurance coverage information

The data table below showcases a range of policy rates for Mazda 6 models. Understanding how insurance policy premiums are established can aid in making informed decisions when shopping around for a new policy.

Mazda 6 Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $172 $290 $308 $18 $92 $880 $73
6 I SV 4-Dr Sedan $172 $290 $308 $18 $92 $880 $73
6 I Touring 4-Dr Sedan $172 $290 $308 $18 $92 $880 $73
6 I Touring Plus 4-Dr Sedan $194 $290 $308 $18 $92 $902 $75
6 I Touring Plus 4-Dr Sedan $194 $290 $308 $18 $92 $902 $75
6 I Grand Touring 4-Dr Sedan $194 $342 $308 $18 $92 $954 $80
6 S Touring Plus 6 Cyl 4-Dr Sedan $194 $342 $308 $18 $92 $954 $80
6 S Touring Plus 4-Dr Sedan $194 $342 $308 $18 $92 $954 $80
6 S Grand Touring 4-Dr Sedan $194 $342 $308 $18 $92 $954 $80
6 S Grand Touring 6 Cyl 4-Dr Sedan $194 $342 $308 $18 $92 $954 $80
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific location information which can raise or lower premiums noticeably.

Rate comparison for different deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The tables below show the difference in cost when you buy lower versus higher physical damage deductibles. The first table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Mazda 6 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $232 $390 $300 $18 $90 $1,055 $88
6 I SV 4-Dr Sedan $232 $390 $300 $18 $90 $1,055 $88
6 I Touring 4-Dr Sedan $232 $390 $300 $18 $90 $1,055 $88
6 I Touring Plus 4-Dr Sedan $262 $390 $300 $18 $90 $1,085 $90
6 I Touring Plus 4-Dr Sedan $262 $390 $300 $18 $90 $1,085 $90
6 I Grand Touring 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
6 S Touring Plus 6 Cyl 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
6 S Touring Plus 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
6 S Grand Touring 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
6 S Grand Touring 6 Cyl 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
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Mazda 6 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $144 $246 $300 $18 $90 $798 $67
6 I SV 4-Dr Sedan $144 $246 $300 $18 $90 $798 $67
6 I Touring 4-Dr Sedan $144 $246 $300 $18 $90 $798 $67
6 I Touring Plus 4-Dr Sedan $162 $246 $300 $18 $90 $816 $68
6 I Touring Plus 4-Dr Sedan $162 $246 $300 $18 $90 $816 $68
6 I Grand Touring 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
6 S Touring Plus 6 Cyl 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
6 S Touring Plus 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
6 S Grand Touring 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
6 S Grand Touring 6 Cyl 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can affect prices significantly.

Based on this data, using a $250 deductible costs approximately $22 more each month or $264 for a full year than buying the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 34 months between claim filings, you would come out ahead if you choose a higher deductible.

Males versus Females

The diagram below illustrates the comparison of Mazda 6 insurance premiums for male and female drivers. The data assumes a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Cost of full coverage in Mesa

The example below illustrates the difference between Mazda 6 insurance premiums with liability coverage only compared to full coverage. The rates are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to buy liability coverage only

There is no set guideline for eliminating physical damage insurance, but there is a general convention. If the yearly cost for physical damage 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 cost is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after the deductible is paid. If it’s costing you more than $700 annually for full coverage, then you may want to consider only buying liability coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Do I need a local insurance agent?

Many drivers prefer to talk to an insurance agent and that is recommended in a lot of cases One of the great benefits of getting online price quotes is that you can obtain cheap car insurance quotes and still have a local agent. Buying from and supporting local insurance agents is important particularly in Mesa.

To find an agent, once you fill out this short form, your coverage information gets sent to participating agents in Mesa who can give free rate quotes to get your business. It makes it easy because there is no need to contact an agency since rate quotes are delivered instantly to you. You can most likely find cheaper rates and a licensed agent to work with. If you wish to get a price quote from a specific insurance company, just navigate to their website and submit a quote form there.

The type of auto insurance agent you choose is important

When searching for a local insurance agency, it helps to know the two different agency structures and how they can service your needs differently. Agencies in Mesa are considered either independent or exclusive depending on the company they work for.

Independent Car Insurance Agents

Agents of this type do not write with just one company so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. If they find a cheaper price, your policy is moved internally and you stay with the same agent. If you are trying to find cheaper rates, we highly recommend that you get quotes from a couple of independent agencies so that you can do a thorough price comparison.

The following are Mesa independent agencies that can give you free car insurance rate quotes.

3950 E Broadway Rd # 102Mesa, AZ 85206(480) 964-2400View Map

2815 S Alma School Rd #111Mesa, AZ 85210(480) 839-8488View Map

3654 N Power Rd # 146Mesa, AZ 85215(480) 288-5900View Map

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Exclusive Agents

Exclusive agencies normally can only provide a single company’s rates like Allstate, State Farm and Farm Bureau. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on the products they sell which helps them sell on service rather than price.

Listed below is a list of exclusive insurance agents in Mesa that are able to give price quotes.

Pete Rivera – State Farm Insurance Agent
104 W Main StMesa, AZ 85201(480) 964-1766View Map

5524 E Baseline RdMesa, AZ 85206(480) 969-9155View Map

4850 E Baseline Rd Ste 101Mesa, AZ 85206(480) 503-4400View Map

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Finding the right insurance agency requires you to look at more than just a cheap price. Get answers to these questions too.

How to know if you need help

When it comes to adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and your auto insurance should be unique as well.Auto insurance savings
For instance, these questions can help discover if your situation could use an agent’s help.

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance is not optional

Despite the high insurance cost for a Mazda 6 in Mesa, buying auto insurance serves several important purposes.

The benefits of carrying enough insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is currently overpaying as much as $750 every year so you should quote your policy with other companies at least once a year to save money.

Auto insurance coverage basics

Knowing the specifics of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Auto liability – Liability coverage can cover damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/10 that translate to $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, structural damage, emergency aid and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible. Arizona state minimum liability requirements are 15/30/10 but you should think about purchasing higher limits.

The chart below shows why buying low liability limits may not be adequate coverage.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, hitting a bird and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like surgery, dental work, ambulance fees and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mazda 6.

Since many Arizona drivers only carry the minimum required liability limits (which is 15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This covers damage to your 6 caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your 6 to get cheaper collision coverage.

Don’t give up on affordable premiums

You just learned quite a bit of information on how to lower your Mazda 6 insurance prices in Mesa. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies. They often have lower rates on specific markets than the large multi-state companies such as State Farm or Progressive.

When searching for inexpensive Mesa car insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

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