Save on Mazda 6 Insurance in Tampa

It’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.

• Step 1: Get a basic knowledge of what coverages are included in your policy and the measures you can take to keep rates low. Many rating criteria that cause rate increases such as at-fault accidents and poor credit can be rectified by making minor changes in your lifestyle.
• Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive and State Farm, while independent agencies can provide rate quotes from many different companies. Compare rates
• Step 3: Compare the price quotes to your current policy to see if a cheaper price is available. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Tell your current company of your intent to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to the new company. Make sure you put the new proof of insurance certificate somewhere easily accessible.

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.

• Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Multi-line Discount – Some companies give a small discount if you purchase a life policy as well.
• Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
• Defensive Driver Discounts – Participating in a course in defensive driving is a good idea and can lower rates and make you a better driver.
• Telematics Devices – Tampa drivers who agree to allow their car insurance company to spy on driving patterns by using a telematics device like Allstate’s Drivewise might see lower rates if their driving habits are good.
• Home Ownership Discount – Just owning your own home can save you money because maintaining a house shows financial diligence.
• Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.

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.

• Farmers Insurance has discounts for good student, bundle discounts, distant student, electronic funds transfer, youthful driver, and mature driver.
• Esurance offers premium reductions for Switch & Save, multi-car, online quote, safety device, and anti-lock brakes.
• State Farm may offer discounts for Drive Safe & Save, defensive driving training, accident-free, good driver, and Steer Clear safe driver discount.
• GEICO may include discounts for membership and employees, multi-policy, driver training, daytime running lights, and anti-lock brakes.
• Allstate includes discounts for teenSMART discount, farm vehicle, eSmart discount, new car, and economy car.

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.

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.

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.

To 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:

• Can glass claims be handled at your home?
• Does the agency have a good rating with the Better Business Bureau?
• Is insurance their full-time profession?
• Does the agent have a valid license to sell insurance in Florida?
• Will the agent or a CSR service your policy?
• Are they primarily personal or commercial lines agents in Tampa?
• Are all drivers listed on the coverage quote?

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.

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.

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.

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

• Does my liability insurance cover pulling a trailer or camper?
• What is covered by UM/UIM coverage?
• Am I covered if I back into my garage door?
• How much liability do I need to cover my assets?
• Can good grades get a discount?
• Am I covered when driving someone else’s vehicle?

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.

• Drive a fast car and pay more – The make and model of the vehicle you own makes a huge difference in the rate you pay. Lower cost passenger cars generally have the cheapest insurance rates, but many other things help determine your insurance rates.

  The following data uses these assumptions: single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Mazda 6 car insurance rates compared to other makes and models that have a range of risk factors.

• Better credit means lower premiums – Having a good credit score can be a huge factor in determining what you pay. If your credit leaves room for improvement, you could pay less to insure your Mazda 6 by improving your credit score. Drivers with good credit tend to file fewer claims as compared to drivers with lower credit scores.
• Lower comp and collision deductibles cost more – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of covered claims are collision with another vehicle, hail damage, and burglary. Physical damage deductibles state the amount of money you are willing to pay if a covered claim is submitted. The more you’re willing to pay, the better rate you will receive.
• Multi-policy discounts can save money – Most larger insurance companies will award better rates to buyers who consolidate policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, you may still want to shop around to ensure the best deal.There is a good possibility that you can save even more than the discount by buying from different companies
• Liability coverage safeguards assets – Your policy’s liability coverage will afford coverage if ever you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

• Male costs may be higher – Statistics demonstrate women tend to be less risk to insure than men. It does not mean men are worse drivers. Women and men tend to get into at-fault accidents in similar percentages, but the men tend to have higher claims. Men also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers have the highest risk to insure and therefore have the most expensive auto insurance rates.

  The illustration below compares Mazda 6 insurance rates for male and female drivers. The prices are based on no claims or violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.

• Save miles driven and save money – The higher the mileage driven each year the more it will cost to insure it. Almost all companies apply a rate based upon how much you drive. Vehicles that do not get driven very much can get a lower rate than vehicles that are driven to work every day. Ask your agent if your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. An incorrectly rated 6 is just wasting money.
• Marriage is a factor – Having a spouse helps lower the price when shopping for auto insurance. Having a significant other translates into being more mature and responsible and it’s proven that married drivers tend to file fewer claims.

• Insurance loss probability for a Mazda 6 – Insurers use historical loss data to help determine the price you pay. Models that the data determines to have higher claim amounts or frequency will have higher premium rates.

  The table below outlines the compiled insurance loss statistics for Mazda 6 vehicles. For each policy coverage type, the statistical loss for all vehicles, regardless of make or model, is considered to be 100. Percentage numbers below 100 imply a favorable loss record, while percentage numbers above 100 indicate more frequent claims or tendency to have larger claims.

  
  

  Auto Insurance Loss Data for Mazda 6 Models

  Specific Mazda Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Mazda 6	99	92	112	94	98	94

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

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 majority of states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Mazda 6 with a loan, almost all lenders will make it mandatory that you have full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank or lender will purchase a policy for your Mazda at a significantly higher premium and force you to pay much more than you were paying before.
• Insurance protects your Mazda and your assets. It will also cover many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

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:

• Vehicle Insurance in the U.S. (Wikipedia)
• Who Has the Cheapest Tampa Car Insurance Rates for a Dodge Ram? (FAQ)
• How Much are Tampa Car Insurance Rates for a Nissan Sentra? (FAQ)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• A Tree Fell on Your Car: Now What? (Allstate)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Understanding Your Insurance Deductible (Insurance Information Institute)