Save Money on Mazda 6 Insurance in San Francisco

Insurance for Mazda 6A study showed that the vast majority of consumers have remained with the same insurance company for four years or more, and about 40% of consumers have never compared rate quotes at all. With the average insurance premium being $1,390, San Francisco drivers could save approximately $469 every year just by getting comparison quotes, but they don’t want to spend time to compare rates and save money.

The best way we recommend to get cheaper auto insurance rates is to regularly compare quotes from insurers who sell auto insurance in San Francisco. You can shop around by following these guidelines.

Step 1: Try to understand how insurance companies determine prices and the measures you can control to lower rates. Many things that are responsible for high rates such as multiple speeding tickets and a not-so-good credit rating can be amended by making lifestyle changes or driving safer.

Step 2: Obtain 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 agencies can quote rates for many different companies. View rates

Step 3: Compare the new rates to your existing rates to see if a cheaper rate is available. If you find a better price, ensure coverage does not lapse between policies.

Step 4: Notify your current company of your intent to cancel your current car insurance policy and submit payment and a signed application for your new policy. Be sure to store the certificate verifying proof of insurance with the vehicle registration.

A tip to remember is that you’ll want to compare the same level of coverage on every quote request and to quote with as many companies as feasibly possible. Doing this ensures an accurate price comparison and a better comparison of the market.

If you’re already insured or just want to save money, use these techniques to cut your premiums without reducing protection. These techniques will let you in on how to effectively get price quotes and some money-saving tips. Smart buyers just need to know how to get comparison quotes from multiple carriers.

Smart Consumers Can Cut Insurance Costs

Smart consumers have a good feel for a few of the rating criteria that help determine your premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower rates.

The following are a few of the things companies use to determine your prices.

Data for Mazda 6 insurance

The price information displayed next showcases detailed analysis of insurance coverage prices for Mazda 6 models. Having knowledge of how rate quotes are established can benefit drivers when making informed decisions when shopping around for a new policy.

Mazda 6 Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $296 $584 $424 $26 $126 $1,456 $121
6 I SV 4-Dr Sedan $296 $584 $424 $26 $126 $1,456 $121
6 I Touring 4-Dr Sedan $296 $584 $424 $26 $126 $1,456 $121
6 I Touring Plus 4-Dr Sedan $334 $584 $424 $26 $126 $1,494 $125
6 I Touring Plus 4-Dr Sedan $334 $584 $424 $26 $126 $1,494 $125
6 I Grand Touring 4-Dr Sedan $334 $688 $424 $26 $126 $1,598 $133
6 S Touring Plus 6 Cyl 4-Dr Sedan $334 $688 $424 $26 $126 $1,598 $133
6 S Touring Plus 4-Dr Sedan $334 $688 $424 $26 $126 $1,598 $133
6 S Grand Touring 4-Dr Sedan $334 $688 $424 $26 $126 $1,598 $133
6 S Grand Touring 6 Cyl 4-Dr Sedan $334 $688 $424 $26 $126 $1,598 $133
Get Your Own Custom Quote Go

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific location information which can increase or decrease price quotes considerably.

The illustration below demonstrates how choosing different deductibles and can influence Mazda 6 premium costs for different age groups. The premiums are based on a married male driver, comp and collision included, and no other discounts are factored in.

How much more does full coverage cost in San Francisco?

The example below illustrates the comparison of Mazda 6 insurance costs with and without physical damage coverage. Data assumes a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no additional discounts are factored in.

When to switch to liability coverage only

There isn’t a steadfast formula of when to phase out physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Mazda 6 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying your policy deductible. If premium cost is more than $500 annually to have full coverage, then it could be time to drop full coverage.

There are a few situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Do you qualify for discounts?

Insurance is expensive, but there could be significant discounts that many consumers don’t even know exist. Some discounts will apply at the time of quoting, but once in a while a discount must be asked for before being credited.Cheaper insurance with discounts

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut individual premiums such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The example below compares Mazda 6 auto insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, marriage, multi-car, and claim-free discounts applied.

Some of the insurance companies that may offer some of the above discounts possibly include:

When comparing rates, check with each company to give you their best rates. Some discounts may not be offered in San Francisco. To see a list of companies offering insurance discounts in California, click this link.

Don’t give up on affordable rates

People who switch companies do it for a variety of reasons including lack of trust in their agent, not issuing a premium refund, extreme rates for teen drivers or even high prices. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

While you’re price shopping online, never buy less coverage just to save a little money. In too many instances, drivers have reduced liability limits or collision coverage only to discover later they didn’t have enough coverage. The proper strategy is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

A few companies may not provide online rate quotes and usually these small insurance companies work with local independent agents. Budget-friendly car insurance in San Francisco is attainable online as well as from independent agents in San Francisco, and you should be comparing both to have the best chance of lowering rates.

Much more information about car insurance in California can be read at the links below