To save the most money, the best way to get budget auto insurance rates in Jacksonville is to compare prices at least once a year from providers who sell insurance in Florida. This can be done by following these steps.
Step 1: Spend some time learning about how insurance works and the things you can change to prevent high rates. Many factors that cause rate increases such as accidents, traffic tickets, and bad credit can be rectified by paying attention to minor details.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agents can give you price quotes from many different companies.
Step 3: Compare the new quotes to your current policy to see if you can save by switching companies. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
Step 4: Provide notification to your current company to cancel your current auto insurance policy. Submit a down payment along with a completed application to your new carrier. Once received, safely store the certificate verifying proof of insurance in a readily accessible location in your vehicle.
An important bit of advice to remember is to compare identical coverage information on every quote request and and to compare all possible companies. This enables an apples-to-apples comparison and the best price selection.
Anyone knows that auto insurance companies don’t want you to look for cheaper rates. Drivers who shop around for cheaper rates are highly likely to switch companies because of the high probability of finding a lower-priced company. A recent survey revealed that drivers who routinely shopped for cheaper coverage saved $3,500 over four years as compared to drivers who never compared other company’s rates.
If finding the best price on Mazda 6 insurance is why you’re reading this, then having a good understanding how to compare insurance premiums can help make the process easier and more efficient.
Finding the cheapest auto insurance coverage in Jacksonville can be easy if you know a few tricks. If you have insurance now, you will be able to buy cheaper auto insurance using this information. Shoppers only need an understanding of the most efficient way to compare prices online.
Finding a lower price on Mazda 6 insurance is surprisingly easy. The only requirement is to spend a few minutes on the computer to compare rate quotes to find the company with affordable Jacksonville auto insurance quotes.
The following companies are ready to provide comparison quotes in Jacksonville, FL. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.
Cheaper Mazda 6 insurance rates in Jacksonville
Companies that sell car insurance don’t always list the entire discount list very clearly, so we break down some of the best known as well as the least known discounts that may be available. If they aren’t giving you every credit available, you are throwing money away.
- Resident Student – College-age children who are attending college and leave their car at home could qualify for this discount.
- Early Switch Discount – A few companies offer discounts for buying a policy prior to the expiration date on your current 6 insurance policy. This discount can save up to 10%.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts could see savings of more than 20%.
- Sign Online – Some of the larger companies may give you up to $50 for completing your application on the web.
- Telematics Devices – People who choose to allow driving data submission to look at driving patterns through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
- Fewer Miles Equal More Savings – Driving less can earn lower prices on the low mileage vehicles.
- Senior Citizens – Older drivers are able to get lower premium rates.
- Jacksonville Homeowners Discount – Simply owning a home can get you a discount because maintaining a house is proof of financial responsibility.
- Employee of Federal Government – Active or former government employment could cut as much as 10% off but check with your company.
As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like adding up those discounts means a free policy, that’s just not realistic.
The example below shows the difference between Mazda 6 insurance rates with and without discounts being applied to the rates. The costs are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, safe-driver, marriage, and multi-car discounts applied.
To see auto insurance companies offering auto insurance discounts in Florida, click here.
Insurance coverage analysis
The price information shown next highlights estimates of insurance policy prices for Mazda 6 models. Understanding how policy rates are figured is important for making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $278 | $532 | $472 | $28 | $142 | $1,452 | $121 |
| 6 I SV 4-Dr Sedan | $278 | $532 | $472 | $28 | $142 | $1,452 | $121 |
| 6 I Touring 4-Dr Sedan | $278 | $532 | $472 | $28 | $142 | $1,452 | $121 |
| 6 I Touring Plus 4-Dr Sedan | $312 | $532 | $472 | $28 | $142 | $1,486 | $124 |
| 6 I Touring Plus 4-Dr Sedan | $312 | $532 | $472 | $28 | $142 | $1,486 | $124 |
| 6 I Grand Touring 4-Dr Sedan | $312 | $628 | $472 | $28 | $142 | $1,582 | $132 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $312 | $628 | $472 | $28 | $142 | $1,582 | $132 |
| 6 S Touring Plus 4-Dr Sedan | $312 | $628 | $472 | $28 | $142 | $1,582 | $132 |
| 6 S Grand Touring 4-Dr Sedan | $312 | $628 | $472 | $28 | $142 | $1,582 | $132 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $312 | $628 | $472 | $28 | $142 | $1,582 | $132 |
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in specific location information which can alter coverage rates noticeably.
Impact of violations and accidents on rates
The information below demonstrates how speeding tickets and fender-benders can raise Mazda 6 car insurance costs for each age group. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
Gender-based insurance premiums
The illustration below shows the comparison of Mazda 6 auto insurance costs for male and female drivers. The data is based on a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are single, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The chart below compares Mazda 6 insurance premiums when comparing full coverage to liability only. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no specific rule to eliminate physical damage insurance, 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 it might be time to buy liability only.
For example, let’s pretend your Mazda 6 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are paying more than $700 annually for full coverage, then it could be time to drop full coverage.
There are some circumstances where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.