How to Compare Raleigh Mazda 6 Insurance

It’s a fact that car insurance companies don’t want policyholders to compare prices from other companies. Insureds who compare price quotes are likely to switch car insurance companies because there is a significant possibility of finding coverage at a more affordable price. A recent study showed that consumers who compared rates once a year saved $3,400 over four years compared to policyholders who never shopped around for better prices.

If finding the lowest price for car insurance in Raleigh is your ultimate target, then understanding how to find companies and compare cheaper coverage can help you be more efficient.

Insurance quote for Mazda 6 in RaleighThe recommended way to find cheaper quotes for auto insurance rates is to start comparing prices yearly from different companies that insure vehicles in Raleigh. Prices can be compared by completing these steps.

  1. It will benefit you to learn about how insurance companies determine prices and the things you can change to prevent expensive coverage. Many factors that drive up the price like at-fault accidents, speeding tickets, and a not-so-good credit history can be eliminated by making minor changes to your lifestyle.
  2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agents can give you price quotes from many different companies.
  3. Compare the new quotes to the premium of your current policy and determine if cheaper 6 coverage is available in Raleigh. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
  4. Notify your company or agent of your decision to cancel your current car insurance policy. Submit a completed application and payment to the newly selected company. Once the paperwork is finalized, safely store the certificate verifying coverage with your vehicle’s registration.

The key aspect of shopping around is that you’ll want to compare the same amount of coverage on each price quote and and to analyze as many companies as you can. Doing this helps ensure a fair price comparison and a complete rate analysis.

The companies shown below provide quotes in Raleigh, NC. If multiple companies are listed, we recommend you get prices from several of them in order to find the lowest rates.

Get lower-cost Mazda 6 insurance in Raleigh with discounts

Companies offering auto insurance do not list every discount available very well, so below is a list some of the more common and the more hidden savings tricks you should be using when you buy Raleigh car insurance online.Car insurance discounts

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The chart below compares Mazda 6 annual premium costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.

A list of car insurance companies and a selection of discounts are outlined below.

When quoting, ask each company or agent which credits you are entitled to. Some credits may not apply everywhere.

Rates and statistics

The premium table displayed next covers different coverage prices for Mazda 6 models. Learning a little about how insurance policy premiums are calculated can help guide drivers when making decisions on the best policy to buy.

Mazda 6 Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $238 $476 $336 $20 $100 $1,170 $98
6 I SV 4-Dr Sedan $238 $476 $336 $20 $100 $1,170 $98
6 I Touring 4-Dr Sedan $238 $476 $336 $20 $100 $1,170 $98
6 I Touring Plus 4-Dr Sedan $268 $476 $336 $20 $100 $1,200 $100
6 I Touring Plus 4-Dr Sedan $268 $476 $336 $20 $100 $1,200 $100
6 I Grand Touring 4-Dr Sedan $268 $560 $336 $20 $100 $1,284 $107
6 S Touring Plus 6 Cyl 4-Dr Sedan $268 $560 $336 $20 $100 $1,284 $107
6 S Touring Plus 4-Dr Sedan $268 $560 $336 $20 $100 $1,284 $107
6 S Grand Touring 4-Dr Sedan $268 $560 $336 $20 $100 $1,284 $107
6 S Grand Touring 6 Cyl 4-Dr Sedan $268 $560 $336 $20 $100 $1,284 $107
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Prices do not factor in Raleigh location which can alter coverage rates substantially.

Choosing deductibles

One common question asked by Raleigh drivers is the level to set your comp and collision deductibles. The comparisons below can help show the differences in premium rates when you choose different physical damage coverage deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Mazda 6 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $192 $324 $250 $14 $74 $879 $73
6 I SV 4-Dr Sedan $192 $324 $250 $14 $74 $879 $73
6 I Touring 4-Dr Sedan $192 $324 $250 $14 $74 $879 $73
6 I Touring Plus 4-Dr Sedan $218 $324 $250 $14 $74 $905 $75
6 I Touring Plus 4-Dr Sedan $218 $324 $250 $14 $74 $905 $75
6 I Grand Touring 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
6 S Touring Plus 6 Cyl 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
6 S Touring Plus 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
6 S Grand Touring 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
6 S Grand Touring 6 Cyl 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Get Your Own Custom Quote Go

Mazda 6 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $118 $204 $250 $14 $74 $660 $55
6 I SV 4-Dr Sedan $118 $204 $250 $14 $74 $660 $55
6 I Touring 4-Dr Sedan $118 $204 $250 $14 $74 $660 $55
6 I Touring Plus 4-Dr Sedan $134 $204 $250 $14 $74 $676 $56
6 I Touring Plus 4-Dr Sedan $134 $204 $250 $14 $74 $676 $56
6 I Grand Touring 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
6 S Touring Plus 6 Cyl 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
6 S Touring Plus 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
6 S Grand Touring 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
6 S Grand Touring 6 Cyl 4-Dr Sedan $134 $240 $250 $14 $74 $712 $59
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in garaging location in Raleigh which can revise coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $20 more each month or $240 for a full year than selecting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 38 months between claim filings, you would come out ahead by selecting a higher deductible.

The illustration below shows how choosing a deductible and can increase or decrease Mazda 6 insurance costs for each different age group. The premium estimates are based on a married female driver, comp and collision included, and no policy discounts are applied.

Liability only or full coverage

The illustration below illustrates the comparison of Mazda 6 insurance rates with full coverage compared to only the North Carolina minimum liability coverage. The price estimates are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive formula to eliminate physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Mazda 6 replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 annually to have full coverage, then it might be time to buy liability only.

There are a few cases where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.

How Insurers Calculate Mazda 6 Insurance Prices

Many factors are part of the equation when quoting car insurance. Some factors are common sense such as your driving history, although others are more transparent like your continuous coverage and annual miles driven. It’s important that you understand some of the elements that go into determining your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

When should I have guidance from an agent?

Certain consumers still prefer to sit down and talk to an agent and that is not a bad decision Good insurance agents can make sure you are properly covered and help in the event of a claim. A nice benefit of price shopping on the web is that you can find cheap insurance rates and still choose a local agent.

To help locate an agent, after submitting this short form, your coverage information is immediately sent to local insurance agents who will give you quotes for your business. You won’t even need to contact any agents because quoted prices will be sent to you instantly. If you want to compare prices from a specific insurance provider, you can always search and find their rate quote page to submit a rate quote request.

Choosing an insurance company shouldn’t rely on just a cheap quote. The following questions are important to ask.

When looking for a local Raleigh insurance agency, it’s important to understand the different types of agencies and how they function. Insurance agents are either independent or exclusive. Either one can do a good job, but it’s worth learning how they are different because it may have an impact on the kind of agent you use.

Exclusive Agencies

Agents that elect to be exclusive can usually just insure with one company and some examples include State Farm, AAA, and Liberty Mutual. These agents are unable to provide other company’s prices so you might not find the best rates. Exclusive agencies receive a lot of sales training on sales techniques which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive agents in Raleigh that can give you price quote information.

John Hill – State Farm Insurance Agent
7320 Six Forks Rd #200Raleigh, NC 27615(919) 848-0644View Map

1620 Martin Luther King Jr Blvd #104Raleigh, NC 27610(919) 250-3606View Map

9101 Leesville Rd Ste 111Raleigh, NC 27613(919) 846-3901View Map

View more Raleigh agents

Independent Insurance Agencies

Independent insurance agents do not write with just one company and that enables them to quote your coverage with many different companies depending on which coverage is best. If prices rise, your agent can switch companies without you having to go to a different agency. When comparing rates, we highly recommend that you check rates from a couple of independent agencies to get the most accurate price comparison.

Shown below is a list of independent agencies in Raleigh that are able to give price quote information.

1151 Falls River Avenue, Suite 105-ARaleigh, NC 27614(919) 845-2999View Map

4280 Louisburg RdRaleigh, NC 27604(919) 875-8500View Map

2431 Spring Forest Rd #123Raleigh, NC 27615(919) 261-6164View Map

View more Raleigh agents

Ratings for North Carolina car insurance companies

Insuring your vehicle with the highest-rated insurer can be difficult considering how many different companies insure vehicles in North Carolina. The company information shown next may help you pick which coverage providers you want to consider when comparing rate quotes.

Top 10 Raleigh Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Raleigh Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Get the best coverage at the best price

Lower-priced auto insurance in Raleigh is definitely available online in addition to many Raleigh insurance agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get quotes online and these small insurance companies only sell through independent agencies.

In this article, we presented a lot of ways to compare Mazda 6 insurance car insurance rates in Raleigh. The key thing to remember is the more providers you compare, the better likelihood of getting cheaper Raleigh car insurance quotes. You may even discover the best price on auto insurance is with the least-expected company. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like Allstate or State Farm.

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your goal is to buy enough coverage for the lowest price, but do not skimp to save money.

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