Best Lubbock Mazda 6 Insurance

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It's an obvious assumption that insurance companies don't want you comparing rates. Drivers who shop around are very likely to switch to a new company because there is a high probability of finding more affordable rates. A recent survey found that drivers who routinely shopped around saved $865 annually compared to those who don't regularly compare prices.

If finding low prices for Mazda 6 insurance is your target objective, then having some insight into how to shop and compare cheaper coverage can help simplify the process.

Insurance for Mazda 6It takes a little time, but the best way to find lower priced Mazda 6 insurance in Lubbock is to make a habit of regularly comparing prices from different companies who provide auto insurance in Texas.

  1. Try to learn a little about how companies price auto insurance and the things you can change to prevent rate increases. Many policy risk factors that result in higher rates such as getting speeding tickets and an unacceptable credit history can be improved by paying attention to minor details.
  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 or Allstate, while agents who are independent can provide price quotes from many different companies.
  3. Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
  4. Notify your agent or company of your intent to cancel your current coverage. Submit a completed application and payment for your new coverage. Once coverage is bound, keep the new certificate verifying proof of insurance in an accessible location in your vehicle.

The most important part of shopping around is to make sure you're comparing identical coverages on every quote and and to get rate quotes from as many different companies as possible. Doing this ensures an apples-to-apples comparison and the most accurate and complete price analysis.

If you have a current auto insurance policy or just want to reduce your rates, use these money-saving tips to buy cheaper auto insurance while maintaining coverages. These techniques will teach you a little about the best way to quote coverages and how you can save the most money. Vehicle owners just have to know the quickest method to compare different rates from many different companies.

Choices You Make Can Impact Your Insurance Costs

Many things are used in the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but other factors are less obvious like your vehicle usage or how safe your car is.

  • Good credit saves on car insurance - Having a bad credit score can be a huge factor in determining premium rates. Therefore, if your credit score is low, you could potentially save money when insuring your Mazda 6 if you clean up your credit. Drivers with good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Only buy coverage you need - Policies have add-on coverages that you can buy on your 6 policy. Coverages for rental car coverage, towing coverage, and motor club memberships may not be needed and are just wasting money. The coverages may be enticing initially, but if you've never needed them in the past think about removing them and cutting costs.
  • Too many policy claims drive up prices - If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Companies in Texas award cheaper rates to policyholders who file claims infrequently. Your car insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
  • Big city or small town - Choosing to live in smaller towns and rural areas of the country can be a good thing if you are looking for the lowest rates. People who live in big cities regularly have more aggressive driving styles and more time behind the wheel. Lower population means fewer accidents.
  • Drive less and save - The more miles you rack up on your Mazda annually the higher the price you pay to insure it. Most companies calculate prices based on their usage. Autos that have low annual miles qualify for better rates than vehicles that are driven to work every day. Having an incorrect usage rating on your 6 can result in significantly higher rates. It's a good idea to make sure your car insurance coverage reflects the correct driver usage, because improper ratings can cost you money.
  • Mazda 6 statistical loss data - Companies analyze claim trends for every vehicle in order to profitably underwrite each model. Vehicles that the statistics show to have increased losses will have a higher cost to insure. The next table illustrates the collected loss data for Mazda 6 vehicles.

    For each type of coverage, the loss probability for all vehicles, regardless of make, model or trim level, is represented as 100. Percentage numbers below 100 represent a good loss history, while values over 100 indicate more frequent losses or a tendency for claims to be larger.

    Mazda 6 Insurance Claim Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Mazda 6 99 92 112 94 98 94

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

How to get Lubbock Mazda 6 insurance quotes

Getting a cheaper price on Mazda 6 insurance can be surprisingly simple. The only requirement is to invest a few minutes comparing free Lubbock auto insurance quotes provided by online insurance companies.

The providers in the list below can provide free quotes in Lubbock, TX. To get cheap auto insurance in Lubbock, it's a good idea that you click on several of them to get the most affordable price.

Analysis of coverages

The data table shown below outlines different insurance policy prices for Mazda 6 models. Having a good grasp of how insurance rates are figured is important for drivers to make decisions when shopping your coverage around.

Mazda 6 Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $156 $306 $430 $26 $128 $1,046 $87
6 I SV 4-Dr Sedan $156 $306 $430 $26 $128 $1,046 $87
6 I Touring 4-Dr Sedan $156 $306 $430 $26 $128 $1,046 $87
6 I Touring Plus 4-Dr Sedan $176 $306 $430 $26 $128 $1,066 $89
6 I Touring Plus 4-Dr Sedan $176 $306 $430 $26 $128 $1,066 $89
6 I Grand Touring 4-Dr Sedan $176 $360 $430 $26 $128 $1,120 $93
6 S Touring Plus 6 Cyl 4-Dr Sedan $176 $360 $430 $26 $128 $1,120 $93
6 S Touring Plus 4-Dr Sedan $176 $360 $430 $26 $128 $1,120 $93
6 S Grand Touring 4-Dr Sedan $176 $360 $430 $26 $128 $1,120 $93
6 S Grand Touring 6 Cyl 4-Dr Sedan $176 $360 $430 $26 $128 $1,120 $93
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in Lubbock location which can affect premiums significantly.

An analysis of deductible level

One common question asked by Lubbock drivers is which comprehensive and collision deductibles to buy. The comparison tables below illustrate the rate difference between low and high comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Mazda 6 insurance prices with $250 deductibles
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
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Mazda 6 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
6 I SV 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
6 I Touring 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
6 I Touring Plus 4-Dr Sedan $206 $312 $382 $22 $114 $1,036 $86
6 I Touring Plus 4-Dr Sedan $206 $312 $382 $22 $114 $1,036 $86
6 I Grand Touring 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
6 S Touring Plus 6 Cyl 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
6 S Touring Plus 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
6 S Grand Touring 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
6 S Grand Touring 6 Cyl 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in your specific Lubbock location which can affect rates considerably.

Based on this data, using a $250 deductible costs about $29 more each month or $348 annually than buying the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 26 months between claims, you would probably save some money if you decide on a higher deductible.

The diagram below shows how choosing a deductible and can increase or decrease Mazda 6 premium costs for different age categories. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

Full coverage versus liability-only in Lubbock

The illustration below compares Mazda 6 annual premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no specific rule to eliminate comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Mazda 6 replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after you pay the deductible. If premium cost is more than $200 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some circumstances where only buying liability is not advised. If you haven't satisfied your loan, 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 case of an accident, you should not drop full coverage.

Insurance is not optional

Despite the high cost of buying insurance for a Mazda 6 in Lubbock, insurance may be required and benefits you in several ways.

  • Almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability coverage if you don't want to risk a ticket. 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 you took out a loan on your 6, most lenders will require you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank will be required to insure your Mazda at a much higher premium rate and require you to fork over the higher premium.
  • Insurance protects both your Mazda 6 and your assets. It will also provide coverage for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of having insurance more than cancel out the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $810 a year so compare rates every year to save money.

Discounts for lower-cost insurance quotes

Some insurance providers don't always list every discount in a way that's easy to find, so the following list contains some of the best known as well as some of the hidden credits that you can use to lower your rates.Discount insurance

  • Discounts for Good Drivers - Insureds who avoid accidents may save up to 50% more than their less cautious counterparts.
  • Multiple Policy Discount - When you have multiple policies with one company you could get a discount of as much as 10 to 15 percent.
  • Good Grades Discount - Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Passive Restraints and Air Bags - Factory options such as air bags may earn rate discounts of 20% or more.
  • Club Memberships - Being in certain professional organizations could trigger savings when shopping for insurance.

While discounts sound great, it's important to understand that some credits don't apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So even though you would think you can get free auto insurance, you aren't that lucky.

The information below illustrates the comparison of Mazda 6 insurance rates with and without some available policy discounts. The rates are based on a female driver, a clean driving record, no claims, Texas 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 marriage, claim-free, homeowner, multi-car, multi-policy, and safe-driver discounts applied.

If you would like to view insurance companies that offer some of these discounts in Lubbock, click here to view.

Compare rates but buy from a local Lubbock insurance agency

Many people just prefer to talk to an insurance agent and often times that is recommended Most agents will help you protect your assets and help in the event of a claim. One of the benefits of comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to.

Insurance agency in LubbockAfter completing this form (opens in new window), your coverage information is submitted to local insurance agents that give free quotes for your business. It simplifies rate comparisons since you won't have to contact any insurance agencies because prices are sent directly to you. If you have a need to compare rates from a specific car insurance provider, you can always find their quoting web page and submit a quote form there.

Picking the best company requires more thought than just a cheap price quote. These are some questions you should get answers to.

  • Has the agent ever had any license suspensions?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Does the company allow you to choose your own collision repair facility?
  • Do they have a Better Business Bureau rating in Lubbock?
  • Will you get a loaner vehicle if you car is being repaired?

If you would like to find a reputable insurance agent or broker, it can be helpful to understand the different types of agents that differ in how they can insure your vehicles. Agents can be described as either exclusive or independent. Either one can write car insurance policies, but it is a good idea to know the differences because it may have an impact on the selection process.

Exclusive Agencies

These agents normally can only provide a single company's rates and some examples include Farmers Insurance and State Farm. These agents are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agencies are well trained in insurance sales and that can be a competitive advantage. Drivers often purchase coverage from exclusives primarily because of the brand and the convenience of having all coverages with one company.

The following are Lubbock exclusive insurance agents who can help you get rate quotes.

View more Lubbock agents

Independent Insurance Agents

Agents in the independent channel can quote rates with many companies so they can insure your vehicles through many companies and find the cheapest rate. If your agent finds better pricing, the business is moved internally and you don't have to switch agencies.

If you need lower rates, you absolutely need to get rate quotes from at least one independent agent for the best price selection. Most also have access to small mutual carriers which can save you money.

Below are independent agencies in Lubbock that can give you price quote information.

View more Lubbock agents

A conclusion for your auto insurance search

We just presented quite a bit of information on how to reduce Mazda 6 insurance premium rates online in Lubbock. The key concept to understand is the more quotes you get, the better chance you'll have of finding affordable Mazda 6 insurance quotes. You may even discover the best price on auto insurance is with a smaller regional carrier.

As you prepare to switch companies, it's not a good idea to reduce needed coverages to save money. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

Drivers who switch companies do it for a number of reasons such as policy non-renewal, extreme rates for teen drivers, policy cancellation and high rates after DUI convictions. Regardless of your reason, finding the right auto insurance provider is pretty easy and you might even save some money in the process.

Additional information can be found below: