Want to learn how to save money and find low-cost Mazda 6 insurance in Detroit? Are you regretting the purchase of overpriced Mazda 6 insurance in Detroit? It’s a common feeling and many Detroit drivers have buyer’s remorse.
Sadly, most Michigan car insurance customers have purchased from the same company for four years or more, and 38% of drivers have never shopped around. With the average car insurance premium being $1,847, American drivers could pocket 47% a year, but most tend to underestimate the amount of savings they would get if they just switched companies.
Steps to finding more affordable Mazda 6 insurance in Detroit
Truthfully, the best way to get more affordable Mazda 6 insurance is to regularly compare price quotes from different companies who can sell car insurance in Detroit. You can compare rates by following these guidelines.
- Take a little time to learn about how auto insurance works and the factors you can control to lower rates. Many rating factors that result in higher prices like traffic tickets, fender benders, and an imperfect credit score can be controlled by paying attention to minor details.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for many different companies.
- Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current company of your intention to cancel your current auto insurance policy and submit payment and a signed application to the new company. As soon as you receive it, put the proof of insurance certificate along with your vehicle registration.
The key thing to remember is to try to use similar coverage information on each price quote and and to analyze all possible companies. This guarantees a level playing field and a complete rate analysis.
With vehicle owners having so many companies to choose from that have lower-cost insurance for a Mazda 6 in Detroit, it can be impossible to find the cheapest insurance company.
It’s important to price shop coverage every six months since prices are variable and change quite frequently. Even if you got the lowest rate on Mazda 6 insurance in Detroit at your last renewal you may be paying too much now. Forget anything you know (or think you know) about car insurance because we’re going to show you the best methods to reduce your cost while increasing coverage.
Lower-cost Mazda 6 insurance rates in Detroit
Insurance is neither fun to buy or cheap, but you can get discounts that can dramatically reduce your bill. A few discounts will be applied at the time of quoting, but a few need to be requested specifically before you will receive the discount.
- Safe Drivers – Accident-free drivers can pay as much as 50% less than drivers with accidents.
- Organization Discounts – Joining certain professional organizations could qualify you for a break when getting a Detroit auto insurance quote.
- Policy Bundle Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you will save over 10 percent off each policy depending on the company.
- Discount for Low Mileage – Fewer annual miles on your Mazda can qualify you for better prices on cars that stay parked.
- Driver Training Discounts – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
- Telematics Data – Insureds who allow companies to spy on vehicle usage by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they show good driving skills.
- Multi-car Discount – Insuring more than one vehicle with one company can get a discount on all vehicles.
Keep in mind that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works.
The information below shows the difference between Mazda 6 car insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents, no driving violations, Michigan state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, homeowner, claim-free, and marriage discounts applied.
Some of the insurance companies that have these benefits are:
Check with each company or agent which discounts you qualify for. Some credits might not be available to policyholders in every state. To find insurance companies who offer cheap Mazda 6 insurance quotes in Michigan, follow this link.
The companies shown below are our best choices to provide price comparisons in Detroit, MI. To buy cheap car insurance in Detroit, MI, it’s highly recommended you visit as many as you can in order to find the cheapest rates.
Rates and information analytics
The coverage table shown below covers different policy rates for Mazda 6 models. Having insight into how insurance prices are calculated is important to be able to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $522 | $1034 | $836 | $50 | $250 | $2,692 | $224 |
| 6 I SV 4-Dr Sedan | $522 | $1034 | $836 | $50 | $250 | $2,692 | $224 |
| 6 I Touring 4-Dr Sedan | $522 | $1034 | $836 | $50 | $250 | $2,692 | $224 |
| 6 I Touring Plus 4-Dr Sedan | $590 | $1034 | $836 | $50 | $250 | $2,760 | $230 |
| 6 I Touring Plus 4-Dr Sedan | $590 | $1034 | $836 | $50 | $250 | $2,760 | $230 |
| 6 I Grand Touring 4-Dr Sedan | $590 | $1218 | $836 | $50 | $250 | $2,944 | $245 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $590 | $1218 | $836 | $50 | $250 | $2,944 | $245 |
| 6 S Touring Plus 4-Dr Sedan | $590 | $1218 | $836 | $50 | $250 | $2,944 | $245 |
| 6 S Grand Touring 4-Dr Sedan | $590 | $1218 | $836 | $50 | $250 | $2,944 | $245 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $590 | $1218 | $836 | $50 | $250 | $2,944 | $245 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in your specific Detroit location which can increase or decrease coverage prices considerably.
Physical damage deductibles
One of the hardest decisions when shopping for insurance is which comprehensive and collision deductibles to buy. The tables below may help to conceptualize how much more you’ll pay when you buy lower versus higher coverage deductibles. The first price estimate table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $534 | $900 | $690 | $40 | $206 | $2,395 | $200 |
| 6 I SV 4-Dr Sedan | $534 | $900 | $690 | $40 | $206 | $2,395 | $200 |
| 6 I Touring 4-Dr Sedan | $534 | $900 | $690 | $40 | $206 | $2,395 | $200 |
| 6 I Touring Plus 4-Dr Sedan | $602 | $900 | $690 | $40 | $206 | $2,463 | $205 |
| 6 I Touring Plus 4-Dr Sedan | $602 | $900 | $690 | $40 | $206 | $2,463 | $205 |
| 6 I Grand Touring 4-Dr Sedan | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| 6 S Touring Plus 4-Dr Sedan | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| 6 S Grand Touring 4-Dr Sedan | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $330 | $566 | $690 | $40 | $206 | $1,832 | $153 |
| 6 I SV 4-Dr Sedan | $330 | $566 | $690 | $40 | $206 | $1,832 | $153 |
| 6 I Touring 4-Dr Sedan | $330 | $566 | $690 | $40 | $206 | $1,832 | $153 |
| 6 I Touring Plus 4-Dr Sedan | $372 | $566 | $690 | $40 | $206 | $1,874 | $156 |
| 6 I Touring Plus 4-Dr Sedan | $372 | $566 | $690 | $40 | $206 | $1,874 | $156 |
| 6 I Grand Touring 4-Dr Sedan | $372 | $666 | $690 | $40 | $206 | $1,974 | $165 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $372 | $666 | $690 | $40 | $206 | $1,974 | $165 |
| 6 S Touring Plus 4-Dr Sedan | $372 | $666 | $690 | $40 | $206 | $1,974 | $165 |
| 6 S Grand Touring 4-Dr Sedan | $372 | $666 | $690 | $40 | $206 | $1,974 | $165 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $372 | $666 | $690 | $40 | $206 | $1,974 | $165 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific Detroit garaging location which can decrease or increase coverage rates substantially.
Based on the above data, using a $250 deductible costs about $51 more each month or $612 for a full year than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 15 months between claim filings, you would more than likely save some money by going with a higher deductible.
The chart below demonstrates how deductibles and can affect Mazda 6 annual premium costs for different categories of driver ages. The prices are based on a single male driver, full coverage, and no additional discounts are factored in.
Tickets and at-fault accidents raise rates
The illustration below highlights how speeding tickets and at-fault claims can increase Mazda 6 auto insurance costs for different age categories. The data is based on a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
Full coverage versus liability only rates
The diagram below illustrates the comparison of Mazda 6 insurance premiums with full physical damage coverage compared to only buying liability only. The data is based on a clean driving record, no claims, $250 deductibles, drivers are single, and no discounts are factored in.
Should you pay for full coverage or liability only?
There is no definitive rule to stop paying for comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your Mazda 6 replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after paying the physical damage deductible. If premiums are more than $700 annually for physical damage coverage, then you might consider buying liability only.
There are some conditions where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage in place.
Buying from insurance agents
A small number of people still like to talk to a local agent and doing that can be a smart decision Experienced insurance agents can point out coverage gaps and help in the event of a claim. A nice benefit of comparing insurance prices online is that you can obtain cheap auto insurance rates and still have an agent to talk to. Buying from neighborhood insurance agencies is important particularly in Detroit.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is instantly submitted to companies in Detroit who will give you quotes and help you find cheaper coverage. There is no reason to leave your computer because quoted prices will be sent to the email address you provide. In the event you want to get a rate quote from a particular provider, you can always find their quoting web page and fill out their quote form.
Pick the best auto insurance agent in Detroit for you
If you are searching for a local agent, it’s important to understand the types of agencies that you can choose from. Auto insurance agents may be either exclusive or independent (non-exclusive). Both can insure your vehicles properly, but it’s good to learn the difference between them since it can affect the type of agent you choose.
Independent Agents
Agents in the independent channel can sell policies from many different companies so they have the ability to put coverage through many different auto insurance companies and potentially find a lower price. If prices rise, an independent agent can move your coverage which makes it simple for you. When searching for an agent, you absolutely need to get some free quotes from independent agents to ensure the widest selection of prices.
The following is a list of independent insurance agencies in Detroit who may provide pricing information.
Michigan SR22 Insurance – Select Insurance Group
Atwater St – Detroit, MI 48226 – (877) 949-7873 – View Map
Premier Insurance
16119 W Warren Ave – Detroit, MI 48228 – (313) 582-1500 – View Map
Look Insurance Detroit Southwest Agency
6724 Michigan Ave – Detroit, MI 48210 – (313) 899-3194 – View Map
Exclusive Agents
Agents that choose to be exclusive write business for a single company and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive agents are well trained in insurance sales which helps them sell on service rather than price.
Below are Detroit exclusive agencies who can help you get comparison quotes.
Allstate Insurance: Ago Benavides
3570 W Vernor Hwy – Detroit, MI 48216 – (313) 849-2000 – View Map
Jim Saucedo – State Farm Insurance Agent
5602 Vernor Hwy – Detroit, MI 48209 – (313) 841-8100 – View Map
Allstate Insurance: Shauna Johnson
18711 Grand River Ave – Detroit, MI 48223 – (313) 272-2020 – View Map
Finding the right insurance agency shouldn’t rely on just a cheap quote. These are some questions you should get answers to.
- Which companies do they recommend if they are an independent agency?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- If you have an accident, will your rates go up?
- How long has their agency been in business in Detroit?
- Can you contact them at any time?
- How much will you save each year by using a higher deductible?
- Do they have a Better Business Bureau rating in Detroit?
- Is there a local claims center in Detroit?
If you feel you receive positive responses to any questions you may have as well as a affordable price, most likely you have located an auto insurance agent that can be relied on to adequately provide auto insurance. Just be aware that you have the power to cancel a policy when you choose so never feel you’re contractually obligated to the auto insurance policy for the full term.
Frequent quotes can save
More affordable car insurance in Detroit can be purchased online and also from your neighborhood Detroit agents, so you need to shop Detroit auto insurance with both so you have a total pricing picture. Some insurance companies may not have price quotes online and many times these smaller companies only sell through independent agencies.
We just showed you a lot of information how to lower your Mazda 6 insurance premium rates in Detroit. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable Mazda 6 insurance quotes. You may even find the most savings is with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate or State Farm.
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.
How to buy affordable Mazda 6 insurance in Detroit
To save the most money, the best way to get more affordable Mazda 6 insurance in Detroit is to compare prices at least once a year from providers in Michigan.
- First, gain an understanding of how car insurance works and the measures you can control to lower rates. Many factors that cause rate increases such as your driving record and a low credit score can be improved by making small lifestyle or driving habit changes.
- Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while independent agents can quote prices for a wide range of companies. View insurance agents
- Third, compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate in Detroit. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
- Fourth, provide adequate notice to your current company of your intent to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application for the new coverage. Once coverage is bound, store the proof of insurance certificate with your vehicle’s registration.
One bit of advice is that you use similar coverage information on every quote request and and to get rates from as many companies as possible. This ensures a level playing field and the best price selection.
For more information, link through to the resources below:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Cheap Detroit Auto Insurance Rates for a GMC Sierra? (FAQ)
- Who Has Cheap Car Insurance Rates for a Subaru Forester in Detroit? (FAQ)
- Who Has the Cheapest Detroit Car Insurance Quotes for Drivers Under 25? (FAQ)
- Information for Teen Drivers (GEICO)
- Distracted Driving Statistics (Insurance Information Institute)