No car owner fancies paying their premiums for car insurance, particularly when they could find better rates elsewhere.
We don't have to point out that fact that car insurance companies want to keep you from comparing rates. Drivers who compare price quotes will presumably switch to a new company because there is a good probability of finding coverage at a more affordable price. A recent survey found that people who routinely compared quotes saved about $850 each year compared to people who didn't regularly shop around.
If finding budget-friendly rates on car insurance in Philadelphia is why you're here, then having a grasp of the best way to quote and compare insurance coverage can make shopping around easier.
Many auto insurance companies compete to insure your vehicles, so it's not easy to compare every company to get the lowest cost out there.
Consumers should take time to quote other rates at least once a year since prices are rarely the same from one policy term to another. Even if you got the lowest rate on Mazda 6 insurance in Philadelphia a couple years back you can probably find a better premium rate now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to one of the best ways to get good coverage on Mazda 6 insurance in Philadelphia at a lower rate.
If you currently have auto insurance, you stand a good chance to be able to reduce the price you pay using the following tips. Choosing the best rates in Philadelphia seems hard but is not really that difficult. Nevertheless, Pennsylvania vehicle owners do need to learn how companies determine how much to charge because it can help you find the best coverage.
Best Mazda 6 insurance price quotes in Pennsylvania
The providers in the list below provide free rate quotes in Philadelphia, PA. If multiple providers are shown, we suggest you visit as many as you can to find the most affordable auto insurance rates.
Rates and statistics
The rate information below showcases a range of insurance policy prices for Mazda 6 models. Having a good understanding how rates are established can help you make smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|6 I Sport 4-Dr Sedan||$246||$420||$336||$20||$100||$1,122||$94|
|6 I SV 4-Dr Sedan||$246||$420||$336||$20||$100||$1,122||$94|
|6 I Touring 4-Dr Sedan||$246||$420||$336||$20||$100||$1,122||$94|
|6 I Touring Plus 4-Dr Sedan||$278||$420||$336||$20||$100||$1,154||$96|
|6 I Touring Plus 4-Dr Sedan||$278||$420||$336||$20||$100||$1,154||$96|
|6 I Grand Touring 4-Dr Sedan||$278||$494||$336||$20||$100||$1,228||$102|
|6 S Touring Plus 6 Cyl 4-Dr Sedan||$278||$494||$336||$20||$100||$1,228||$102|
|6 S Touring Plus 4-Dr Sedan||$278||$494||$336||$20||$100||$1,228||$102|
|6 S Grand Touring 4-Dr Sedan||$278||$494||$336||$20||$100||$1,228||$102|
|6 S Grand Touring 6 Cyl 4-Dr Sedan||$278||$494||$336||$20||$100||$1,228||$102|
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in garaging location in Philadelphia which can impact rates noticeably.
The illustration below illustrates how choosing a deductible and can raise or lower Mazda 6 insurance costs for different insured age categories. Data assumes a single female driver, full coverage, and no discounts are factored in.
Mazda 6 insurance rates by gender
The example below shows the comparison of Mazda 6 auto insurance rates for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are applied.
Full coverage versus liability-only in Philadelphia
The illustration below illustrates the comparison of Mazda 6 premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The data assumes no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
When to stop buying physical damage coverage
There is no exact rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let's assume your Mazda 6 book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after the deductible is paid. If you are paying over $800 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few cases where dropping physical damage coverage is not a good plan. If you haven't satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Discount Philadelphia auto insurance rates
Car insurance companies don't always list every discount they offer very well, so the list below contains a few of the more well known as well as the least known discounts that you can inquire about if you buy Philadelphia car insurance online.
- Sign Online - A few insurance companies will provide an incentive for buying your policy digitally online.
- Senior Citizen Rates - If you're over the age of 55, you could receive a discount up to 10%.
- Military Deployment Discount - Having a family member in the military could qualify you for better auto insurance rates.
- Defensive Driver - Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Smart Student Discounts - Performing well in school may save as much as 25% on a Philadelphia car insurance quote. Most companies allow this discount until age 25.
- Pay Upfront and Save - If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
- Include Life Insurance and Save - Insurance companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.
You should keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it appears you can get free auto insurance, insurance companies wouldn't stay in business.
The illustration below compares Mazda 6 car insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, multi-car, marriage, and claim-free discounts applied.
Auto insurance companies that may offer policyholders some of the discounts shown above may include but are not limited to:
Double check with each company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in Philadelphia. To see providers that can offer you the previously mentioned discounts in Pennsylvania, click here to view.
Car insurance agents near you
Many drivers still prefer to buy from a licensed agent and that is a smart decision One of the great benefits of comparing rate quotes online is that you can find cheap rate quotes but also keep your business local.
Upon completion of this simple form, your information gets sent to local insurance agents in Philadelphia who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent as quotes are delivered immediately to you. It's the lowest rates AND an agent nearby. If you have a need to compare prices from a specific insurance provider, feel free to go to their quote page and complete a quote there.
Finding the right insurance company needs to be determined by more than just a cheap quote. Agents should be asked these questions:
- How will an accident affect your rates?
- Is the agency active in community causes in Philadelphia?
- Will you work with the agent or an assistant?
- How long have they worked with personal auto insurance coverage?
- Does the agent help file claims?
- Is the agent properly licensed in Pennsylvania?
- What company holds the largest book of business for them?
- Is the agency covered by Errors and Omissions coverage?
Philadelphia auto insurance agents come in two flavors
If you are wanting to purchase insurance from a reliable insurance agency, it can be helpful to understand the types of agencies and how they work. Philadelphia agents are either independent agents or exclusive agents.
Exclusive Insurance Agencies
Exclusive agencies can only provide one company's prices and examples are Farmers Insurance and State Farm. They generally cannot shop your coverage around so keep that in mind. Exclusive insurance agents receive a lot of sales training in insurance sales and that can be a competitive advantage.
The following is a list of exclusive insurance agencies in Philadelphia willing to provide rate quotes.
Independent Insurance Agents
These agents do not have single company limitations and that gives them the ability to insure with any number of different companies and find the cheapest rate. To transfer your coverage to a different company, an independent agent can move your coverage and you don't have to do anything.
When comparing insurance rates, we highly recommend that you include price quotes from a few independent agents for the best price selection.
The following are Philadelphia independent agents willing to provide comparison quotes.
Car insurance policy coverages for a Mazda 6
Learning about specific coverages of your car insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. It can pay for injuries sustained by your vehicle's occupants and damage to your Mazda 6.
Since many Pennsylvania drivers only purchase the least amount of liability that is required (15/30/5 in Pennsylvania), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like funeral costs, ambulance fees, pain medications, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as hitting a bird, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Collision coverage will pay to fix damage to your 6 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things such as crashing into a building, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your 6 to bring the cost down.
Liability coverage protects you from damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/5 which stand for $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability insurance covers claims like funeral expenses, attorney fees, emergency aid, repair bills for other people's vehicles and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. Pennsylvania state law requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.
The illustration below shows why buying low liability limits may not be high enough to adequately cover claims.
Cheap car insurance is out there
While you're price shopping online, it's a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped physical damage coverage only to regret at claim time they didn't have enough coverage. Your goal should be to buy a smart amount of coverage at the best price, but don't skip important coverages to save money.
We've covered some good ideas how you can save on Mazda 6 insurance in Philadelphia. The most important thing to understand is the more times you quote, the better likelihood of getting affordable Mazda 6 insurance quotes. Drivers may even discover the most savings is with the smaller companies. They may only write in your state and offer lower auto insurance rates than their larger competitors like GEICO and State Farm.
- Comprehensive Coverage (Liberty Mutual)
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- How Much is Car Insurance for a Toyota Tacoma in Philadelphia? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)