The best way we recommend to find the cheapest price for Mazda 6 insurance is to start doing an annual price comparison from companies in Stockton.
Step 1: Read about how insurance works and the things you can change to prevent high rates. Many things that cause rate increases like traffic violations, accidents, and a bad credit score can be eliminated by making minor driving habit or lifestyle changes. This article gives more details to find cheap prices and get discounts that may be available to you.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can quote rates for a wide range of insurance providers.
Step 3: Compare the new quotes to your existing rates and see if there is a cheaper rate. If you can save some money, verify that coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company of your intent to cancel your current auto insurance policy. Submit a down payment and signed policy application for your new coverage. Make sure you put the new proof of insurance paperwork in a readily accessible location in your vehicle.
One important bit of advice is to use similar deductibles and liability limits on each quote and and to get price quotes from every company you can. This provides a fair price comparison and a complete selection of prices.
Anyone knows that insurance companies want to keep you from shopping around. People who shop around at least once a year are very likely to buy a new policy because there is a good chance of finding a more affordable policy. Surprisingly, a recent survey revealed that drivers who regularly compared price quotes saved as much as $70 a month compared to drivers who don’t make a habit of comparing rates.
If finding the best rates on Mazda 6 insurance in Stockton is your target objective, then learning a little about the best way to quote and compare insurance coverage can help you be more efficient.
Take policy discounts and save on Mazda 6 insurance in Stockton
Car insurance is neither fun to buy or cheap, but there may be some discounts to reduce the price significantly. Certain discounts will be applied when you get a quote, but some discounts are required to be asked for before they will apply.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little on medical payment and PIP coverage.
- Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% than less cautious drivers.
- Lower Rates for Military – Being on active deployment in the military could qualify you for better prices.
- Save with a New Car – Insuring a vehicle that is new can save you some money since newer vehicles are generally safer.
- Low Mileage Discounts – Maintaining low annual mileage may allow you to get lower rates on the low mileage vehicles.
- Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on Stockton auto insurance quote when compared to insureds who have frequent claims or accidents.
- Homeowners Savings – Owning a home in Stockton can save you money since owning and maintaining a home shows financial diligence.
- Senior Citizen Rates – Drivers that qualify as senior citizens could receive lower premium rates.
Don’t be surprised that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, that’s just not realistic.
The information below illustrates the difference between Mazda 6 insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, safe-driver, homeowner, and marriage discounts applied.
A few of the larger companies and some of their more popular discounts can be found below.
- 21st Century has savings for student driver, theft prevention, teen driver, good student, air bags, and automatic seat belts.
- State Farm may include discounts for Drive Safe & Save, driver’s education, anti-theft, student away at school, accident-free, and safe vehicle.
- AAA includes discounts for good student, multi-policy, education and occupation, good driver, and multi-car.
- Liberty Mutual discounts include multi-car, good student, preferred payment discount, new move discount, newly married, teen driver discount, and exclusive group savings.
- Progressive offers premium reductions for homeowner, good student, multi-policy, multi-vehicle, online quote discount, and online signing.
When comparing rates, check with each company or agent the best way to save money. Some of the earlier mentioned discounts might not be offered on policies everywhere. If you would like to see a list of companies who offer online Mazda 6 insurance quotes in Stockton, click here.
There are several ways to compare prices from different Stockton insurance companies. One of the best ways to compare Mazda 6 insurance prices is to use the internet to compare rates.
Just keep in mind that quoting more gives you a better chance of getting a lower rate than you’re paying now. Not every company allows you to get online Stockton 6 insurance quotes, so it’s recommended that you also compare rates from them as well.
The companies in the list below are our best choices to provide price comparisons in Stockton, CA. If several companies are displayed, we suggest you visit as many as you can to find the most affordable car insurance rates.
Mazda 6 insurance analysis
The coverage table shown below showcases estimates of coverage prices for Mazda 6 models. Understanding how rate quotes are figured is important for making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $310 | $530 | $456 | $26 | $136 | $1,458 | $122 |
| 6 I SV 4-Dr Sedan | $310 | $530 | $456 | $26 | $136 | $1,458 | $122 |
| 6 I Touring 4-Dr Sedan | $310 | $530 | $456 | $26 | $136 | $1,458 | $122 |
| 6 I Touring Plus 4-Dr Sedan | $350 | $530 | $456 | $26 | $136 | $1,498 | $125 |
| 6 I Touring Plus 4-Dr Sedan | $350 | $530 | $456 | $26 | $136 | $1,498 | $125 |
| 6 I Grand Touring 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| 6 S Touring Plus 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| 6 S Grand Touring 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can revise coverage prices substantially.
Raise deductibles and save
The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The rates shown below can help you visualize the price difference between low and high comp and collision deductibles. The first data table uses a $250 physical damage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I SV 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I Touring 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| 6 I Touring Plus 4-Dr Sedan | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| 6 I Touring Plus 4-Dr Sedan | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| 6 I Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Touring Plus 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Grand Touring 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I SV 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I Touring 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I Touring Plus 4-Dr Sedan | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| 6 I Touring Plus 4-Dr Sedan | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| 6 I Grand Touring 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Touring Plus 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Grand Touring 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in vehicle location which can modify price quotes significantly.
Based on the above data, using a $250 deductible will cost you about $18 more each month or $216 for a full year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 14 months between claim filings, you would probably save some money by selecting a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $136 |
| Average monthly premium for $500 deductibles (subtract): | – $118 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One important caveat is that a higher deductible means you will have to pay more when you file a claim. You need some extra funds in the event you need to pay the deductible for vehicle repair.
Rate difference between full and liability-only coverage
The chart below visualizes the comparison of Mazda 6 auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or violations, $500 deductibles, marital status is single, and no additional discounts are factored in.
When to buy liability coverage only
There isn’t a written rule of when to stop paying for full coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Mazda 6 replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are paying more than $400 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some cases where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Auto insurance is available from local agents
Some consumers prefer to sit down with an agent and doing so can bring peace of mind The best thing about comparing rate quotes online is the fact that you can find the lowest rates but also keep your business local. Buying from local insurance agencies is definitely important in Stockton.
To make it easy to find an agent, after completing this short form, the quote information is immediately sent to insurance agents in Stockton who will give you bids for your business. You won’t need to leave your house because quoted prices will be sent to the email address you provide. You’ll get the best rates AND a local agent. If for some reason you want to compare rates from a specific company, you just need to jump over to their website to submit a rate quote request.
Pick the best car insurance agent in Stockton for you
If you want to buy auto insurance from a reputable agency, it helps to know the two types of agencies and how they work. Auto insurance agents can either be independent or exclusive depending on the company they work for.
Independent Auto Insurance Agents
Agents that elect to be independent are normally appointed by many insurers and that allows them to write policies amongst many companies and find you the best rates. To transfer your coverage to a different company, they simply move your policy to a different company and you don’t have to switch agencies.
When comparison shopping, you will want to get some free quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most also write with companies that do not advertise much which can save you money.
Featured below is a partial list of independent insurance agencies in Stockton who can help you get pricing information.
- Berbower Insurance Agency
1330 W Robinhood Dr Suite A1 – Stockton, CA 95207 – (209) 405-1088 – View Map - Big Savings Insurance Agency, Inc
7153 Pacific Ave – Stockton, CA 95207 – (209) 956-2000 – View Map - Dohrmann Insurance Agency, Inc.
3415 Brookside Rd – Stockton, CA 95219 – (209) 478-1400 – View Map
Exclusive Insurance Agents
Exclusive agencies can only quote rates from one company such as State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to give you multiple price quotes so it’s a take it or leave it situation. They are well trained on their company’s products and that allows them to sell at a higher price point. Consumers frequently use the same agent mainly due to the brand name rather than having low rates.
The following are Stockton exclusive insurance agencies that can give you price quotes.
- Farmers Insurance: Paula Ortiz
4550 N Pershing Ave #3 – Stockton, CA 95207 – (209) 956-3988 – View Map - Farmers Insurance: Olivia Lara
4110 N El Dorado St – Stockton, CA 95204 – (209) 518-9465 – View Map - Farmers Insurance – Russell Steele
829 Rosemarie Ln i – Stockton, CA 95207 – (209) 956-8561 – View Map
Choosing an car insurance agent needs to be determined by more than just the quoted price. Ask your prospective agent these questions:
- How many companies do they write for?
- Is the agent properly licensed in California?
- Can you choose the body shop in case repairs are needed?
- Do the coverages you’re quoting properly cover your vehicle?
- Do you work with a CSR or direct with the agent?
- Do they offer rental car reimbursement?
Cheap insurance premiums are out there
Drivers who switch companies do it for a variety of reasons including denial of a claim, an unsatisfactory settlement offer, not issuing a premium refund or lack of trust in their agent. No matter why you want to switch, switching companies is not as difficult as it may seem.
As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible at an affordable rate.
Some insurance providers may not have the ability to get a quote online and many times these small, regional companies provide coverage only through independent insurance agencies. Discount Mazda 6 insurance can be bought from both online companies in addition to many Stockton insurance agents, so you need to compare both so you have a total pricing picture.
Additional information is available on the following sites:
- Teen Driving Statistics (GEICO)
- What Auto Insurance is Cheapest for Ride Shares in Stockton? (FAQ)
- Who Has the Cheapest Auto Insurance for Lyft Drivers in Stockton? (FAQ)
- What Car Insurance is Cheapest for Business Use in Stockton? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with Good Credit in Stockton? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Felons in Stockton? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Stockton? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Shopping for a Safe Car (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)