Save on Mazda 6 Insurance in Lexington

It’s astonishing, but the vast majority of drivers have remained with the same auto insurance company for over three years, and practically 40% of auto insurance customers have never compared quotes from other companies. American drivers could cut their rates by $860 a year, but they just feel it’s too hard to go online and compare rates.

If your goal is the lowest price, then the best way to save on Mazda 6 insurance is to compare quotes once a year from insurance carriers in Lexington. This can be done by following these steps.

1. Take a few minutes and learn about the coverage provided by your policy and the modifications you can make to drop your rates. Many things that increase rates like traffic violations and bad credit can be improved by making minor driving habit or lifestyle changes.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of companies.
3. Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find better rates and decide to switch, ensure coverage does not lapse between policies.

The most important part of this process is to use similar deductibles and liability limits on each price quote and and to get price quotes from all possible companies. Doing this ensures a fair price comparison and the best price selection.

If you are insured now or just want a better rate, follow these tips to reduce premiums without sacrificing coverage. Locating the most cost-effective auto insurance policy in Lexington is quite easy if you know the best way to do it. Vehicle owners just have to learn the best way to buy auto insurance online.

Affordable auto insurance in Lexington, KY

The companies shown below provide free rate quotes in Kentucky. If multiple companies are listed, we suggest you visit several of them to find the lowest auto insurance rates.

Insurance coverage analysis

The premium table below highlights detailed analysis of insurance rates for Mazda 6 models. Learning more about how prices are calculated can be of help when making smart choices when purchasing an insurance policy.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can modify prices greatly.

Physical damage deductibles

The hardest decision when buying coverage is how high should your deductibles be. The premium rates below may help to conceptualize how much more rates are when you buy lower versus higher coverage deductibles. The first data table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in vehicle garaging location which can impact premiums significantly.

Based on these figures, using a $100 deductible costs about $36 more each month or $432 annually averaged for all 6 models than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 25 months between claims, you would come out ahead if you opt for a higher deductible.

Drive responsibly or pay higher rates

The diagram below illustrates how traffic citations and at-fault collisions can influence Mazda 6 auto insurance rates for different age groups. The rates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

How You Can Control Mazda 6 Insurance Prices

An important part of buying insurance is that you know the rating factors that are used to determine the price you pay for auto insurance. If you know what controls the rates you pay, this allows you to make educated decisions that could result in cheaper rates. Many things are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving record, although some other factors are less apparent such as your marital status or your commute time.

• Do you really need the incidental coverages? – Insurance policies have a lot of additional coverages that you can get tricked into buying but may not be useful. Insurance for rental car coverage, accidental death, and extra equipment coverage may not be needed and are just wasting money. These may sound like a good investment initially, but if you’ve never needed them in the past get rid of them and save.
• Cheaper rates by bundling – Most major insurers will give a discount to buyers who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to check prices from other companies to help guarantee you have the best rates.
• Vocation stress can make you pay more – Occupational choices like real estate brokers, airline pilots, and emergency personnel are shown to have the highest rates in part from high stress and extremely grueling work hours. Conversely, jobs such as scientists, athletes and the unemployed have lower than average premiums.
• Know your vehicle’s IIHS safety rating – Vehicles that have high safety ratings get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
• Urban areas may pay more – Having an address in smaller towns and rural areas of the country is a positive aspect when talking about auto insurance. Drivers who live in large cities regularly have traffic congestion and longer commute times. Fewer people translates into fewer accidents and lower theft and vandalism rates.

• Insurance loss data for a Mazda 6 – Insurance companies factor in historical loss data as a way to help calculate a profitable premium price. Models that statistically have higher claim amounts or frequency will have higher rates for specific coverages.

  The table below illustrates the loss history for Mazda 6 vehicles. For each coverage category, the claim probability for all vehicles as a whole is equal to 100. Values that are below 100 indicate better than average losses, while values that are above 100 point to more claims or statistically larger claims.

  
  

  Insurance Loss Ratings for Mazda 6 Vehicles

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

  BETTER

  AVERAGE

  WORSE

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

Determine discounts to get cheap Lexington car insurance rates

Car insurance is not cheap nor is it fun to buy but you can get discounts that could help you make your next renewal payment. Certain credits will be shown when you quote, but some may not be applied and must be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you may be paying too high a price.

• Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
• Senior Citizens – Seniors can possibly qualify for a slight reduction on a Lexington auto insurance quote.
• Seat Belt Usage – Forcing all vehicle occupants to use a seat belt could save 15% off the personal injury premium cost.
• Defensive Driver Discounts – Taking a course that instructs on driving safety may get you a small discount and also improve your driving technique.
• Policy Bundle Discount – If you have multiple policies and place coverage with the same company you will save approximately 10% to 15%.
• E-sign – A few larger online companies will discount your bill up to fifty bucks get Lexington auto insurance digitally online.
• Switch and Save Discount – A few larger companies allow discounts for signing up early. It can save you around 10%.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will help lower your car insurance premiums.

The chart below visualizes the comparison of Mazda 6 insurance premiums with and without discounts. The premium estimates are based on a female driver, no claims or driving citations, Kentucky state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, claim-free, and safe-driver discounts applied.

Larger car insurance companies and their offered discounts can be found below.

• State Farm may offer discounts for accident-free, driver’s education, defensive driving training, student away at school, and multiple policy.
• Farmers Insurance has savings for distant student, mature driver, youthful driver, early shopping, and switch companies.
• Progressive discounts include online signing, multi-policy, online quote discount, multi-vehicle, homeowner, continuous coverage, and good student.
• GEICO has discounts for defensive driver, multi-policy, membership and employees, air bags, and military active duty.
• Auto-Owners Insurance offers discounts for group or association, good student, safe vehicle, company car, paid in full, multiple vehicles, and air bags.
• The Hartford policyholders can earn discounts including air bag, good student, defensive driver, anti-theft, and driver training.
• Farm Bureau offers premium reductions for renewal discount, 55 and retired, youthful driver, driver training, safe driver, and multi-policy.
• USAA offers discounts including multi-vehicle, vehicle storage, safe driver, defensive driver, and good student.

When comparing rates, check with every company which discounts you qualify for. Some discounts listed above may not apply to policyholders in every state. To find insurance companies who offer online Mazda 6 insurance quotes in Lexington, click this link.

Don’t I need to get advice from an insurance agency?

Some people prefer to buy from a licensed agent and that is not a bad decision Insurance agents can help determine the best coverages and give you someone to call. An additional benefit of getting free rate quotes online is you may find better rates and still choose a local agent. Buying from and supporting local agencies is especially important in Lexington.

To find an agent, once you fill out this form (opens in new window), the coverage information is instantly submitted to agents in your area that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house because prices are sent to you instantly. If you need to compare prices for a specific company, don’t hesitate to search and find their rate quote page to submit a rate quote request.

If you would like to find local Lexington agents, you should know the types of insurance agents to choose from. Car insurance agents in Lexington are categorized either exclusive agents or independent agents. Both types of agents can sell and service car insurance coverage, but it’s a good idea to understand the difference in how they write coverage because it can influence the selection process.

Independent Agents (or Brokers)

Agents that elect to be independent often have affiliation with several companies and that allows them to write policies with multiple insurance companies and find the cheapest rate. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, you definitely need to get rate quotes from a few independent agents so that you can do a thorough price comparison.

The following is a small list of independent agencies in Lexington that may be able to provide free price quotes.

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Exclusive Car Insurance Agencies

Agents in the exclusive channel write business for a single company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are highly trained on their company’s products which helps them sell on service rather than price.

Below are exclusive agencies in Lexington that can give you rate quotes.

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Finding the right insurance agency requires more thought than just a low price. A good agent in Lexington will have answers to these questions.

• Do they get extra compensation for selling add-on coverages?
• What will you get paid if your car is a total loss? How is that amount determined?
• Does the company use OEM repair parts?
• What insurance companies do they work with in Lexington?
• What kind of financial rating does the company have?
• Does the agency have a current Errors and Omissions policy?
• Which insurance company do they prefer to write with?
• Will they take your side in the event of a claim?

How much car insurance do I need?

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Your needs are unique to you so your insurance needs to address that.
For instance, these questions might point out if you will benefit from professional help.

• What is the minimum liability in Kentucky?
• Are rental cars covered under my policy?
• Can I rent a car in Mexico?
• Is pet coverage available?
• Does medical payments coverage apply to all occupants?
• Am I covered when pulling a rental trailer?
• Do I have coverage if my license is suspended?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Will I be non-renewed for getting a DUI or other conviction?
• Should I have a commercial auto policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Get the best coverage at the lowest price

We covered a lot of tips how to lower your Mazda 6 insurance premium rates in Lexington. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with the smaller companies. These companies can often provide lower prices in certain areas compared to the large companies like State Farm or Progressive.

When you buy Lexington auto insurance online, make sure you don’t buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits and learned later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

More information is available below:

• Rental Car Insurance Tips (Insurance Information Institute)
• What Auto Insurance is Cheapest for a Chevrolet Equinox in Lexington? (FAQ)
• How to shop for a safer car (Insurance Institute for Highway Safety)
• Teen Driving and Texting (State Farm)