Are you overwhelmed by the dozens of car insurance providers in your area? Many other drivers are too. There are so many options that it is a big hassle to compare rates on Mazda 6 insurance. Lots of people think San Diego has lots to offer, but paying high car insurance rates makes it difficult to afford proper coverage amounts.
Unbelievable but true, the majority of drivers kept buying from the same company for well over three years, and about 40% of consumers have never quoted car insurance rates at all. California insurance shoppers can save $470 each year by just comparing quotes, but they don’t know the large savings they would see if they switched.
You should take the time to check car insurance prices at least once a year because car insurance prices tend to go up over time. Even if you think you had the lowest price on Mazda 6 insurance in San Diego a few years ago other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to demonstrate the proper way to buy cheaper Mazda 6 insurance in San Diego.
Finding the cheapest car insurance coverage in San Diego is actually quite easy if you know where to start. If you have a policy now, you will surely be able to cut your premiums using the ideas you’re about to read. Although California vehicle owners can benefit from knowing how big insurance companies market on the web because it varies considerably.
How to get San Diego Mazda 6 insurance price quotes
Just remember that comparing more prices will enable you to find the best offered rates.
The auto insurance companies shown below are ready to provide free quotes in San Diego, CA. If several companies are displayed, we suggest you visit as many as you can in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $238 | $454 | $464 | $28 | $138 | $1,322 | $110 |
| 6 I SV 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,666 | $139 |
| 6 I Touring 4-Dr Sedan | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| 6 I Touring Plus 4-Dr Sedan | $270 | $454 | $464 | $28 | $138 | $1,354 | $113 |
| 6 I Touring Plus 4-Dr Sedan | $270 | $454 | $500 | $30 | $150 | $1,404 | $117 |
| 6 I Grand Touring 4-Dr Sedan | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $348 | $672 | $596 | $36 | $178 | $1,830 | $153 |
| 6 S Touring Plus 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| 6 S Grand Touring 4-Dr Sedan | $348 | $672 | $596 | $36 | $178 | $1,830 | $153 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $228 | $482 | $574 | $34 | $172 | $1,490 | $124 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in zip code location which can modify coverage rates noticeably.
Drive responsibly or pay higher rates
The information below demonstrates how citations and accidents can raise Mazda 6 insurance costs for different age groups. Data assumes a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
Comparison of policy deductibles
One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The data tables below help summarize the rate difference of buying low and high physical damage coverage deductibles. The first pricing table uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 6 I SV 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 6 I Touring 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 6 I Touring Plus 4-Dr Sedan | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| 6 I Touring Plus 4-Dr Sedan | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| 6 I Grand Touring 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 6 S Touring Plus 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 6 S Grand Touring 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I SV 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I Touring 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I Touring Plus 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| 6 I Touring Plus 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| 6 I Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Touring Plus 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in specific garaging location which can affect premiums substantially.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $47 more each month or $564 every year than choosing the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 19 months between claim filings, you would come out ahead if you elect the higher deductible.
Choosing Mazda vehicle insurance is an important decision
Even though it can be expensive, maintaining insurance serves several important purposes.
- The majority of states have minimum liability requirements which means the state requires specific minimum amounts of liability protection if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your vehicle, most lenders will have a requirement that you buy insurance to guarantee loan repayment. If you default on your policy, the lender may insure your Mazda for a much higher rate and force you to pay the higher price.
- Insurance protects both your assets and your Mazda 6. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having auto insurance are definitely more than the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $830 a year so you should quote your policy with other companies at least once a year to ensure rates are inline.
Insurance savings promises
Well-known insurance companies like Progressive, Allstate and GEICO endlessly run ads on television and other media. All the companies have a common claim about savings just by switching your policy. How do they all give you a lower rate on Mazda 6 insurance in San Diego? It’s all in the wording.
Insurance companies have specific criteria for the right customer that will add to their bottom line. An example of a profitable customer might have to be over the age of 45, owns a home, and drives a lower-performance vehicle. A customer that matches those criteria may get the lowest premium rates in San Diego and will cut their rates substantially.
Potential insureds who cannot meet the requirements may receive higher premiums which results in business not being written. If you listen closely, the ads state “people that switch” but not “all drivers who get quotes” save that kind of money. That is how companies can truthfully make those claims. This illustrates why it is so important to get San Diego auto insurance quotes as often as possible. Because you cannot predict which insurance companies will have the lowest Mazda 6 insurance in San Diego.
Discounts for cheaper car insurance quotes
Some insurers don’t always advertise all available discounts very clearly, so we break down both the well known and the harder-to-find credits that you can use to lower your rates.
- Senior Citizens – If you’re over the age of 55, you can get better car insurance rates.
- Government Employee Discount – Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course if it’s offered in school.
- Student in College – Older children who live away from home to go to college and don’t have a car could get you a discount.
- Clubs and Organizations – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
- Data Collection Discounts – Policyholders that allow their car insurance company to look at their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they are good drivers.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20 to 30 percent.
- Homeowners Savings – Owning your own home or condo can get you a discount due to the fact that maintaining a home shows financial diligence.
- Seat Belt Discounts – Drivers who require all occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
Please keep in mind that most discounts do not apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. Despite the appearance that you could get a free car insurance policy, it doesn’t quite work that way.
A few of the larger companies and a partial list of their discounts are outlined below.
- State Farm may include discounts for passive restraint, multiple policy, safe vehicle, anti-theft, and accident-free.
- GEICO discounts include defensive driver, good student, multi-vehicle, air bags, multi-policy, and membership and employees.
- Progressive offers discounts including homeowner, good student, online quote discount, multi-policy, continuous coverage, online signing, and multi-vehicle.
- 21st Century offers discounts for driver training, 55 and older, anti-lock brakes, student driver, automatic seat belts, good student, and homeowners.
- American Family may have discounts that include good student, multi-vehicle, mySafetyValet, bundled insurance, good driver, air bags, and Steer into Savings.
- The Hartford has savings for anti-theft, vehicle fuel type, good student, air bag, bundle, and defensive driver.
- AAA offers premium reductions for good driver, pay-in-full, multi-policy, AAA membership discount, education and occupation, and good student.
Before buying, ask every insurance company the best way to save money. Some discounts may not be offered everywhere.
You may require the services of an agent
A lot of people just want to go talk to an agent. One of the best bonuses of comparing rate quotes online is you can get the best rates but still work with a licensed agent.
Upon completion of this quick form, the quote information is sent to participating agents in San Diego that provide free San Diego auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies because prices are sent to you. You can find the lowest rates without having to waste a lot of time. If you want to get a comparison quote from a specific company, you would need to search and find their rate quote page and give them your coverage information.
Finding a good provider needs to be determined by more than just a low price. The questions below may impact your decision as well.
- Does the agency provide any after hours assistance?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are they able to influence company decisions when a claim is filed?
- Do they assist clients in filing claims?
- Do they feel the quoted coverages are adequate?
Types of car insurance agents
When searching for an insurance agent, it’s helpful to know the types of agencies and how they are distinctly different. Agencies in San Diego may be either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
Agents of this type work for only one company and some examples include Farmers Insurance, Allstate, or State Farm. These agents are not able to compare other company’s rates so always compare other rates. Exclusive agents are very knowledgeable in insurance sales which helps offset the inability to provide other markets. Consumers often choose to use a exclusive agent primarily because of the prominence of the brand and the convenience of having all coverages with one company.
Shown below is a list of exclusive agents in San Diego who can help you get price quote information.
- Fred Shadlow – State Farm Insurance Agent
7332 Casper Dr – San Diego, CA 92119 – (619) 464-4261 – View Map - Bob Beron – State Farm Insurance Agent
3232 Governor Dr c – San Diego, CA 92122 – (858) 453-7250 – View Map - David Thompson – State Farm Insurance Agent
7061 Clairemont Mesa Blvd Ste 217 – San Diego, CA 92111 – (858) 560-5400 – View Map
Independent Agents (or Brokers)
Independent agencies are not locked into one company and that gives them the ability to insure with any number of different companies and get you the best rates possible. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency.
If you are comparing auto insurance prices, we recommend you get quotes from a few independent agents to have the best price comparison. Most also write with companies that do not advertise much which could offer lower prices.
Shown below is a short list of independent agents in San Diego who can help you get price quotes.
- Leavitt Group – Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 – San Diego, CA 92122 – (858) 436-2441 – View Map - Leavitt Insurance Agency of San Diego
380 Stevens Ave – Solana Beach, CA 92075 – (858) 259-5800 – View Map - Nickie Heath Insurance Agency
16855 W Bernardo Dr # 230 – San Diego, CA 92127 – (858) 487-3737 – View Map
Upon getting reasonable responses to your questions and cheap 6 insurance quotes, you have narrowed it down to a car insurance agent that meets the criteria to service your policy.
Will just any policy work for me?
When quoting and choosing the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.
For instance, these questions could help you determine if you might need professional guidance.
- Why am I required to get a high-risk car insurance policy?
- Do I need replacement cost coverage on my Mazda 6?
- What does medical payments coverage do?
- What is the minimum liability in California?
- What is an umbrella policy?
- Are my company tools covered if they get stolen?
- I have a DUI can I still get coverage?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.
Compare but don’t skimp
Affordable Mazda 6 insurance in San Diego can be purchased from both online companies and also from your neighborhood San Diego agents, and you need to comparison shop both to have the best selection. A few companies may not provide internet price quotes and these smaller companies work with local independent agencies.
We covered a lot of ways to save on Mazda 6 insurance in San Diego. The key concept to understand is the more you quote San Diego auto insurance, the higher your chance of finding affordable San Diego auto insurance quotes. You may even discover the lowest prices come from an unexpected company.
People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, being labeled a high risk driver or poor customer service. No matter why you want to switch, switching companies is less work than it seems.
More learning opportunities
- Tread Depth and Tire Safety (State Farm)
- Who Has Cheap Auto Insurance Rates for Homeowners in San Diego? (FAQ)
- What Insurance is Cheapest for Uninsured Drivers in San Diego? (FAQ)
- Who Has Affordable San Diego Auto Insurance Rates for a Nissan Sentra? (FAQ)
- Frontal Crash Tests (iihs.org)
- Think You’re a Safe Driver? (State Farm)