Save on Mazda 6 Insurance in Toledo

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Insurance rates Mazda 6 in ToledoIt takes a few minutes, but the best way to find more affordable auto insurance rates is to compare prices at least once a year from different companies who can sell car insurance in Toledo. Drivers can shop around by following these steps.

  • Step 1: Take a little time to learn about the coverage provided by your policy and the steps you can take to keep rates down. Many factors that cause high rates like accidents, careless driving, and an imperfect credit score can be remedied by making minor driving habit or lifestyle changes. This article gives information to get cheaper coverage and find more discounts that you may not know about.
  • Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO and Allstate, while independent agencies can quote rates for a wide range of companies.
  • Step 3: Compare the quotes to your existing policy and determine if there is any savings. If you find a lower rate quote and switch companies, ensure there is no coverage lapse between policies.
  • Step 4: Provide adequate notice to your current company to cancel your existing policy and submit a signed application and payment for the new policy. As soon as coverage is bound, store the certificate verifying proof of insurance along with your vehicle registration.

A good tip to remember is to use identical coverages on each quote and and to get quotes from as many companies as you can. This provides a level playing field and the most accurate and complete price analysis.

Astonishing but true, the majority of drivers kept their coverage with the same car insurance company for at least four years, and just under half have never even compared quotes to find cheaper rates. American drivers could save an average of about 46.5% each year by just comparing quotes, but they assume it's a waste of time to compare rate quotes.

How much does Mazda 6 insurance in Toledo cost?

Keep in mind that comparing more rates from different companies helps you find the best offered rates. Not every company does Toledo 6 insurance quotes over the internet, so you also need to get price quotes from them, too.

The following companies are our best choices to provide free rate quotes in Ohio. In order to find cheap auto insurance in Ohio, it's a good idea that you visit two to three different companies to find the cheapest car insurance rates.

These six discounts can lower your auto insurance quotes

Not too many consumers would say auto insurance is affordable, but there may be some discounts to help bring down the price. Many of these discounts will be applied automatically at the time you complete a quote, but lesser-known reductions have to be manually applied prior to receiving the credit.Discount auto insurance

  • Theft Deterrent System - Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to participate in a local driver's education class as it can save substantially.
  • Discount for Home Ownership - Being a homeowner can save a few bucks because maintaining a house is proof of financial responsibility.
  • Low Miles Discount - Keeping the miles down on your Mazda can qualify you for lower auto insurance rates due to less chance of an accident.
  • Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with certain companies.
  • Discounts for Safe Drivers - Insureds without accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.

It's important to understand that some credits don't apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, that's just not realistic.

The diagram below shows the comparison of Mazda 6 car insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, safe-driver, multi-car, and claim-free discounts applied.

To choose insurance companies that can offer you the previously mentioned discounts in Ohio, click here to view.

Rates and information analytics

The premium information displayed next outlines estimates of coverage prices for Mazda 6 models. Learning how insurance premiums are established can help you make smart choices when buying a policy.

Mazda 6 Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $94 $182 $256 $16 $76 $624 $52
6 I SV 4-Dr Sedan $94 $182 $256 $16 $76 $624 $52
6 I Touring 4-Dr Sedan $94 $182 $256 $16 $76 $624 $52
6 I Touring Plus 4-Dr Sedan $106 $182 $256 $16 $76 $636 $53
6 I Touring Plus 4-Dr Sedan $106 $182 $256 $16 $76 $636 $53
6 I Grand Touring 4-Dr Sedan $106 $214 $256 $16 $76 $668 $56
6 S Touring Plus 6 Cyl 4-Dr Sedan $106 $214 $256 $16 $76 $668 $56
6 S Touring Plus 4-Dr Sedan $106 $214 $256 $16 $76 $668 $56
6 S Grand Touring 4-Dr Sedan $106 $214 $256 $16 $76 $668 $56
6 S Grand Touring 6 Cyl 4-Dr Sedan $106 $214 $256 $16 $76 $668 $56
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in vehicle garaging location which can affect price quotes significantly.

Deductible analysis

When comparing auto insurance rates, the most common question is what deductibles to buy. The comparisons below illustrate the differences in price when you choose different deductibles. The first data set uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Mazda 6 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $196 $352 $226 $14 $68 $881 $73
6 I SV 4-Dr Sedan $196 $352 $226 $14 $68 $881 $73
6 I Touring 4-Dr Sedan $196 $352 $226 $14 $68 $881 $73
6 I Touring Plus 4-Dr Sedan $220 $352 $226 $14 $68 $905 $75
6 I Touring Plus 4-Dr Sedan $220 $352 $226 $14 $68 $905 $75
6 I Grand Touring 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
6 S Touring Plus 6 Cyl 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
6 S Touring Plus 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
6 S Grand Touring 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
6 S Grand Touring 6 Cyl 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
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Mazda 6 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $108 $186 $226 $14 $68 $602 $50
6 I SV 4-Dr Sedan $108 $186 $226 $14 $68 $602 $50
6 I Touring 4-Dr Sedan $108 $186 $226 $14 $68 $602 $50
6 I Touring Plus 4-Dr Sedan $122 $186 $226 $14 $68 $616 $51
6 I Touring Plus 4-Dr Sedan $122 $186 $226 $14 $68 $616 $51
6 I Grand Touring 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
6 S Touring Plus 6 Cyl 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
6 S Touring Plus 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
6 S Grand Touring 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
6 S Grand Touring 6 Cyl 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in garaging location in Toledo which can influence premiums noticeably.

Based on the above data, using a $100 deductible would cost the average driver about $25 more each month or $300 a year than quoting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 36 months between claim filings, you would probably be better off if you choose the higher deductible.

The diagram below demonstrates how choosing different deductibles and can raise or lower Mazda 6 insurance costs for different insured age categories. The data assumes a married male driver, full physical damage coverage, and no additional discounts are factored in.