Mazda 6 Insurance Quotes in Jersey City

How many times have you told yourself to find low-cost Mazda 6 insurance in Jersey City? Have you finally had enough of scraping the payment together each month for car insurance? You are in the same boat as most other people in New Jersey.

Shocking but true, almost 70% of drivers have remained with the same car insurance company for four years or more, and roughly 40% of drivers have never compared rates to find lower-cost insurance. New Jersey drivers can cut their rates by nearly 40% a year just by comparing rates, but they underestimate the amount of savings they would get if they just switched companies. Since you have so many companies and agents to choose from, it can be hard to locate a lower cost car insurance provider.

Finding the cheapest car insurance coverage in Jersey City is not that difficult as long as you know where to start. If you are paying for car insurance now, you will definitely be able to shop for the lowest rates using the ideas presented in this article. Vehicle owners just need to know the least time-consuming way to compare prices from many companies at once.

The best way we recommend to compare rates for Mazda 6 insurance in Jersey City is to realize most insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is give the companies some data like what you do for a living, whether you are married, deductibles desired, and whether you drive to work or school. The data is submitted instantly to many highly-rated insurers and they return quotes immediately.

To start a rate quote now, click here and find out if you can get cheaper insurance in Jersey City.

The following companies are our best choices to provide comparison quotes in New Jersey. If you want the best auto insurance in Jersey City, we recommend you compare several of them in order to get a fair rate comparison.

Earn discounts on Jersey City insurance

Car insurance is not cheap, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied when you quote, but a few must be manually applied before being credited.

• 55 and Retired – Older drivers are able to get reduced rates.
• Early Switch Discount – Some companies provide a discount for renewing your policy prior to the expiration date on your current 6 insurance policy. It’s a savings of about 10%.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and therefore earn up to a 10% discount.
• Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies permit an accident before they charge you more for coverage as long as you don’t have any claims for a specific time period.
• Pay Early and Save – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
• Distant Student – Older children who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
• Defensive Driver – Completing a course that instructs on driving safety could save 5% or more and easily recoup the cost of the course.
• Seat Belt Usage – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Policy Bundle Discount – If you have multiple policies and place coverage with the same company you could earn a discount of approximately 10% to 15%.
• Passenger Safety Discount – Options like air bags may get savings of 20% or more.

A quick disclaimer, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

The example below illustrates the comparison of Mazda 6 insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, no violations or claims, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

A list of insurance companies and their possible discounts include:

• Travelers includes discounts for new car, hybrid/electric vehicle, student away at school, multi-policy, save driver, payment discounts, and good student.
• 21st Century has savings for anti-lock brakes, 55 and older, air bags, student driver, and driver training.
• State Farm offers discounts including multiple autos, defensive driving training, good student, Drive Safe & Save, and student away at school.
• GEICO policyholders can earn discounts including military active duty, federal employee, emergency military deployment, seat belt use, multi-vehicle, multi-policy, and anti-theft.
• SAFECO may have discounts that include homeowner, drive less, bundle discounts, anti-lock brakes, multi-car, teen safety rewards, and safe driver.
• AAA may offer discounts for multi-car, good driver, good student, pay-in-full, multi-policy, education and occupation, and AAA membership discount.

If you want cheaper Jersey City auto insurance quotes, ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area. To see insurers that offer multiple discounts in Jersey City, follow this link.

Mazda 6 insurance rates and statistics

The rate information below showcases a range of insurance costs for Mazda 6 models. Understanding more about how insurance prices are formulated can be useful when making decisions when choosing a new policy provider.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in your specific Jersey City location which can modify price quotes substantially.

Comparison of policy deductibles

A question often asked by Jersey City drivers is which deductibles should you choose. The comparisons below can help show the differences in premium rates between low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible and the second price grid uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific zip code location which can affect coverage prices considerably.

We can estimate from the data above that using a $100 deductible will cost you about $34 more each month or $408 a year than selecting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 12 months between claim filings, you would save money by selecting a higher deductible. The table below illustrates a better example of how you can come to your own conclusion.

An important sidenote is that a higher deductible means you will have to pay more out-of-pocket at claim time. You must have some extra savings in order to pay more to get your vehicle repaired.

The chart below demonstrates how deductibles and can impact Mazda 6 premium costs for different age groups of insureds. The rates are based on a single female driver, comp and collision included, and no discounts are applied.

You may need advice from an agent

Many people just prefer to talk to an insurance agent and that can be a great decision Good agents can help you build your policy and help submit paperwork. The biggest benefit of comparing insurance prices online is you can get better rates and still have an agent to talk to.

To find an agent, once you fill out this quick form, your insurance coverage information is sent to local insurance agents who can give free rate quotes to get your business. You won’t even need to contact an agency since price quotes are sent to you instantly. If for some reason you want to get a price quote from a specific car insurance provider, just go to their quote page and fill out their quote form.

Choosing the best company requires more thought than just the premium amount. Some important questions to ask are:

• Do you qualify for any additional discounts?
• Where would your vehicle be repaired?
• Which company do they place the most coverage with?
• Is coverage determined by price?
• Will one accident increase rates?
• Do they feel the quoted coverages are adequate?
• Will high miles depreciate repair valuations?
• Is vehicle damage repaired with OEM or aftermarket parts?

Pick the best auto insurance agent in Jersey City for you

If you prefer to buy car insurance from local Jersey City agents, it’s important to understand the different types of agents and how they can service your needs differently. Car insurance policy providers can be classified as either independent agents or exclusive agents depending on their employer. Either one can sell car insurance policies, but it’s worth learning the difference in how they write coverage since it can impact the type of agent you choose.

Exclusive Insurance Agencies

These agents generally can only insure with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare rates from other companies so they have to upsell other benefits. They are usually well trained on their company’s products which helps them sell insurance even at higher premiums.

Below are exclusive insurance agents in Jersey City who can help you get price quote information.

View more Jersey City agents

Independent Agents

These agents are not employed by one company so they can quote policies through many different car insurance companies and find the cheapest rate. If your premiums go up, an independent agent can move your coverage and you stay with the same agent.

When comparing car insurance prices, you will definitely want to include several independent agencies so that you have a good selection of quotes to compare.

Listed below are independent insurance agents in Jersey City who can help you get comparison quotes.

View more Jersey City agents

Upon getting reasonable responses to any questions you may have in addition to an acceptable price estimate, you’ve probably found an insurance agent that is reputable and can insure your vehicles.

How Insurers Calculate Mazda 6 Insurance Premiums

When buying auto insurance it’s important to understand the rating factors that help determine your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that can help you get much lower annual insurance costs. Many factors are used when quoting car insurance. Most are fairly basic like a motor vehicle report, but other criteria are more obscure like your vehicle usage or your financial responsibility.

The items below are most of the major factors auto insurance companies consider when setting rates.

• Liability insurance is peace of mind – The liability coverage on your policy is the coverage that protects you if you are ruled to be at fault for personal injury or accident damage. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.

• Guys tend to take more risk – Over time, data shows that females tend to be a little less risky than males. It does not mean males are worse at driving than females. Females and males have accidents at about the same rate, but the males tend to have higher claims. They also receive more costly citations like driving under the influence (DUI). Males from age 16 to 21 are several times more likely to be in an accident and therefore are the most expensive to insure.

  The chart below illustrates the comparison of Mazda 6 insurance costs for male and female drivers. The data is based on no violations or accidents, full physical damage coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.

• Little extras can really add up – Policies have optional add-on coverages that you can buy when buying auto insurance. Insurance for rental car reimbursement, better glass coverage, and additional equipment coverage may be costing you every month. You may think they are a good idea when talking to your agent, but now you might not need them so remove them and pocket the money.

• Accidents drive up rates – A bad driving record influences premium rates substantially. Good drivers receive lower rates than people who have multiple driving citations. Getting just one speeding ticket may increase your cost forty percent or more. Drivers who get severe violations such as reckless driving or DUI may find they need to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.

  The chart below demonstrates how citations and accidents can influence Mazda 6 car insurance costs for each different age group. Data assumes a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

• Do thieves like your car? – Buying a car with a theft deterrent system can help lower your premiums. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
• Auto insurance rates and your occupation – Careers such as judges, air traffic controllers, and stock brokers are shown to have higher rates than average because of intense work requirements and lots of time spent away from family. Other careers such as scientists, students and the unemployed have the lowest average rates.

• Insurance losses for a Mazda 6 – Companies use claims history when setting rates for each model. Models that statistically have a higher amount or frequency of claims will have higher premium rates. The data below shows the compiled insurance loss statistics for Mazda 6 vehicles.

  For each policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Numbers that are below 100 are indicative of better than average losses, while numbers that are greater than 100 point to more frequent losses or an increased likelihood of larger losses.

  
  

  Insurance Loss Ratings for Mazda 6 Vehicles

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Mazda 6	99	92	112	94	98	94

  BETTER

  AVERAGE

  WORSE

  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insuring your vehicle just makes sense

Even though it can be expensive, insuring your vehicle may not be optional for several reasons.

• Most states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance coverage in order to get the vehicle licensed. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your Mazda 6 with a loan, more than likely the lender will make it mandatory that you have full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank may buy a policy for your Mazda at a significantly higher premium and force you to pay the higher premium.
• Insurance safeguards your car and your assets. It will also pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you have damage to your Mazda as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of buying insurance more than cancel out the cost, especially if you ever need it. The average driver in New Jersey is currently overpaying as much as $869 every year so compare rates at every renewal to save money.

A conclusion for your auto insurance search

When getting Jersey City auto insurance quotes online, never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed collision coverage and discovered at claim time they didn’t have enough coverage. Your objective should be to get the best coverage possible for the lowest price, not the least amount of coverage.

We just covered a lot of tips how to reduce Mazda 6 insurance car insurance rates online in Jersey City. The key thing to remember is the more you quote Jersey City auto insurance, the better your comparison will be. Consumers may even find the best price on auto insurance is with the smaller companies. They may only write in your state and offer lower premium rates compared to the large companies like Allstate and Progressive.

There are still a few companies who do not provide rate quotes online and these small, regional companies only sell through independent agents. More affordable auto insurance in Jersey City can be found online as well as from independent agents in Jersey City, and you should compare rates from both to have the best rate selection.

How to save on Mazda 6 insurance in Jersey City

If your goal is the lowest price, then the best way to find cheaper quotes for auto insurance rates is to compare quotes once a year from different companies that insure vehicles in Jersey City. You can shop around by following these guidelines.

• First, try to understand what is in your policy and the measures you can control to keep rates low. Many policy risk factors that cause rate increases such as at-fault accidents and poor credit rating can be controlled by improving your driving habits or financial responsibility.
• Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can give you price quotes for many different companies.
• Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of shopping around is to make sure you’re comparing similar limits and deductibles on every price quote and and to get price estimates from as many car insurance companies as possible. This provides a fair rate comparison and the best price selection.

Additional auto insurance information can be found at the links below

• Cellphones, Texting and Driving (iihs.org)
• Who Has the Cheapest Jersey City Auto Insurance Rates for First-time Drivers? (FAQ)
• Who Has Cheap Car Insurance Rates for a Toyota Corolla in Jersey City? (FAQ)
• Who Has Affordable Jersey City Auto Insurance for 16 Year Olds? (FAQ)
• Who Has the Cheapest Jersey City Car Insurance Rates for Active Military? (FAQ)
• What Insurance is Cheapest for a Ford Escape in Jersey City? (FAQ)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Understanding Rental Car Insurance (Insurance Information Institute)