Save on Mazda 6 Insurance in Tampa

Discount Mazda 6 insuranceIt’s astonishing, but over 70% of Florida drivers kept their policy with the same company for at least four years, and 38% of customers have never compared rate quotes at all. Consumers in America can save roughly $850 each year just by comparing rates, but they won’t spend time to save money by comparing rate quotes.

The most effective way to quote cheaper car insurance rates in Tampa is to regularly compare prices from different companies in Florida. This can be done by completing these steps.

The key aspect of shopping around is to use identical coverages on each quote and and to look at as many companies as you can. Doing this enables an apples-to-apples comparison and a complete rate analysis.

If you already have coverage or just want cheaper rates, you can use these tips to get lower rates and possibly find even better coverage. Finding the cheapest car insurance coverage in Tampa is quite easy if you know the best way to do it. Drivers just have to use the quickest method to compare different rates on the web.

The following companies provide free quotes in Tampa, FL. If multiple companies are listed, we suggest you get price quotes from several of them to get the most competitive price.

Get cheaper Mazda 6 insurance rates in Tampa

Car insurance is expensive, but there may be some discounts to help offset the cost. Certain reductions will be credited at the time of purchase, but some discounts are required to be asked for in order for you to get them.Discount car insurance

As a footnote on discounts, most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like you could get a free car insurance policy, you’re out of luck.

The information below illustrates the difference between Mazda 6 insurance costs with and without discounts. The data assumes a female driver, no claims, a clean driving record, Florida 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 claim-free, multi-policy, homeowner, safe-driver, multi-car, and marriage discounts applied.

A list of car insurance companies and a partial list of their discounts are outlined below.

Check with each company how many discounts you can get. Some discounts listed above may not apply in your state. For a list of companies that can offer you the previously mentioned discounts in Florida, follow this link.

Insurance coverage details

The rate information displayed next showcases detailed analysis of insurance rates for Mazda 6 models. Having a better understanding of how rates are figured can help guide drivers when making decisions when choosing a new policy provider.

Mazda 6 Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $154 $284 $392 $24 $118 $972 $81
6 I SV 4-Dr Sedan $154 $284 $392 $24 $118 $972 $81
6 I Touring 4-Dr Sedan $154 $284 $392 $24 $118 $972 $81
6 I Touring Plus 4-Dr Sedan $174 $284 $392 $24 $118 $992 $83
6 I Touring Plus 4-Dr Sedan $174 $284 $392 $24 $118 $992 $83
6 I Grand Touring 4-Dr Sedan $174 $334 $392 $24 $118 $1,042 $87
6 S Touring Plus 6 Cyl 4-Dr Sedan $174 $334 $392 $24 $118 $1,042 $87
6 S Touring Plus 4-Dr Sedan $174 $334 $392 $24 $118 $1,042 $87
6 S Grand Touring 4-Dr Sedan $174 $334 $392 $24 $118 $1,042 $87
6 S Grand Touring 6 Cyl 4-Dr Sedan $174 $334 $392 $24 $118 $1,042 $87
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific Tampa garaging location which can influence coverage rates greatly.

Policy deductible comparison

One of the more difficult decisions when buying auto insurance is how high should your deductibles be. The rates shown below sum up the differences in premium rates when you choose different coverage deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Mazda 6 insurance 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 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

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in Tampa location which can raise or lower price quotes considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $17 more each month or $204 annually than quoting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at least 15 months between claims, you would most likely save money going with the higher deductible.

Driving violations and accidents

The illustration below shows how traffic citations and at-fault collisions can influence Mazda 6 insurance rates for different ages of insureds. The data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

Comparison of full coverage and liability-only policies

The diagram below visualizes the comparison of Mazda 6 premium costs when comparing full coverage to liability only. The prices are based on no claims or driving violations, $500 deductibles, single marital status, and no other discounts are factored in.

When to drop full coverage

There is no specific rule to eliminate full coverage, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s assume your Mazda 6 book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying the physical damage deductible. If it’s costing you more than $800 annually to have full coverage, then you might want to think about dropping full coverage.

There are a few cases where only buying liability is not advised. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. 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 on your policy.

Local Tampa insurance agents

Certain consumers still like to buy from a local agent and we recommend doing that Experienced insurance agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of getting online price quotes is that you can find cheap car insurance rates and still have a local agent.

Insurance agents in TampaTo help locate an agent, after submitting this short form, the quote information is emailed to companies in Tampa that can provide free Tampa car insurance quotes and help you find cheaper coverage. There is no need to contact an agency as quotes are delivered to you instantly. If you have a need to get a rate quote from a specific insurance company, you just need to visit that company’s website and fill out the quote form the provide.

Selecting a company is decision based upon more than just a cheap price quote. Agents should be asked these questions:

Do you need an independent or exclusive car insurance agent?

When looking for a local agent, it can be helpful to understand the different agency structures and how they differ in how they quote coverages. Car insurance agents in Tampa can be described as either exclusive or independent agents depending on their company appointments. Both can provide car insurance policies, but it’s worth mentioning how they are different since it can impact buying decisions.

Exclusive Agents

Agents that choose to be exclusive normally can only provide a single company’s rates such as Allstate, State Farm and Farmers Insurance. These agents are unable to give you multiple price quotes so always compare other rates. Exclusive agents are well schooled on their company’s products which helps them compete with independent agents.

Listed below is a short list of exclusive insurance agents in Tampa willing to provide price quote information.

2734 E Fowler Ave, Ste ATampa, FL 33612(813) 971-6060View Map

9724 N Armenia Ave #200Tampa, FL 33612(813) 931-3000View Map

3204 Cove Bend DrTampa, FL 33613(813) 971-1123View Map

More Tampa agents

Independent Car Insurance Agents

Agents that choose to be independent are not employed by any specific company so they can quote policies through many companies and get the cheapest rates. To transfer your coverage to a different company, your agent can just switch to a different company and you won’t have to switch agencies.

When comparison shopping, you will want to compare quotes from several independent insurance agents for the best price selection.

Below is a list of independent agencies in Tampa willing to provide price quote information.

Global FIS – A Full Service Independant Insurance Agency
8710 W Hillsborough Ave #201Tampa, FL 33615(813) 343-0844View Map

2935 W Hillsborough AveTampa, FL 33614(813) 876-0057View Map

5008 W Linebaugh AveTampa, FL 33624(813) 865-9000View Map

More Tampa agents

After talking to the agent and getting satisfactory answers as well as an affordable premium quote, you’ve probably found an insurance agent that meets the criteria to provide car insurance coverage.

Insurance agents can help

When selecting the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.Car insurance savings

Here are some questions about coverages that may help highlight if your situation may require specific advice.

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

How Insurance Providers Determine Mazda 6 Insurance Rates

A large part of saving on auto insurance is knowing the rating factors that come into play when calculating the level of your policy premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that could help you find lower premium levels.

The list below includes some of the major factors used by insurance companies to determine rates.

Three good reasons to insure your 6

Despite the fact that insurance is not cheap in Tampa, insurance may be required and benefits you in several ways.

The benefits of having insurance are definitely more than the cost, especially when you need to use it. According to a 2015 survey, the average American driver is wasting up to $810 a year so you should quote rates each time the policy renews to be sure current rates are still competitive.

Cheaper auto insurance rates are possible

Budget-conscious Mazda 6 insurance can be sourced both online as well as from independent agents in Tampa, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide rates over the internet and many times these small insurance companies only sell coverage through independent insurance agencies.

We just presented some good ideas how you can shop for Mazda 6 insurance online. The key concept to understand is the more times you quote, the higher your chance of finding affordable Mazda 6 insurance quotes. You may even find the best rates are with a lesser-known regional company.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, high prices, policy cancellation and even high rates after DUI convictions. It doesn’t matter why you want to switch finding a new auto insurance company is easier than you think.

Even more information can be read by following these links: