Best Rates for Mazda 6 Insurance in Oakland

The easiest way to find affordable quotes for auto insurance rates is to compare prices annually from different companies in Oakland.

1. Take a few minutes and learn about how your policy works and the things you can change to prevent expensive coverage. Many rating criteria that drive up the price like traffic violations and a not-so-good credit rating can be improved by making small lifestyle or driving habit changes.
2. Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes from multiple companies.
3. Compare the quotes to the price on your current policy to see if you can save by switching companies. If you can save some money and decide to switch, verify that coverage does not lapse between policies.

A good piece of advice is to try to use identical coverage information on each price quote and and to get prices from as many companies as feasibly possible. Doing this provides a fair rate comparison and a complete price analysis.

Unbelievably, the vast majority of auto insurance customers in California have purchased from the same company for at least four years, and practically 40% of auto insurance customers have never taken the time to shop around. Drivers in America could save nearly $850 a year just by getting comparison quotes, but they mistakenly think it’s difficult to compare rates.

Cheapest Mazda insurance prices in Oakland

The auto insurance companies shown below provide price comparisons in California. If your goal is to find cheap car insurance in Oakland, we recommend you visit several of them to find the cheapest auto insurance rates.

Facts and figures for Mazda 6 insurance

The data table shown next highlights estimates of coverage costs for Mazda 6 models. Understanding more about how rate quotes are figured can benefit drivers when making decisions on the best policy coverages.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in garaging location in Oakland which can decrease or increase coverage prices greatly.

Auto insurance deductibles

When shopping for auto insurance, a common question is how low should you set your deductibles. The rates shown below help summarize the costs and benefits when you buy lower versus higher insurance deductibles. The first data set uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in specific zip code location which can alter premiums noticeably.

Using the premium rates above, we can conclude that using a $100 deductible costs roughly $31 more each month or $372 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 13 months between claims, you would probably save some money by going with a higher deductible.

One important issue to know is that a higher deductible level means you will have to pay more of your own money when you file a claim. That will require enough money in the bank in the event you need to pay the higher deductible in order to repair your vehicle.

Responsible drivers pay cheaper auto insurance rates

The diagram below shows how violations and accidents can affect Mazda 6 insurance prices for different age categories. The costs are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Full coverage or liability only

The information below shows the difference between Mazda 6 insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or driving citations, $1,000 deductibles, marital status is single, and no policy discounts are applied.

When to drop full coverage

There is no clear-cut rule that works best for making the decision to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your Mazda 6 replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying your deductible. If premium cost is more than $200 a year to have full coverage, then you might want to think about dropping full coverage.

There are some situations where eliminating full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Discounts mean cheaper rates for Mazda 6 insurance in Oakland

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the next list breaks down both the well known as well as the least known credits available to bring down your rates.

• Safety Course Discount – Participating in a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
• Memberships – Belonging to qualifying clubs or civic groups can get you a small discount when shopping for insurance.
• Military Rewards – Being deployed with a military unit may lower your rates slightly.
• Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Own a Home – Owning a home in Oakland can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
• Multiple Cars – Buying a policy with several vehicles with one company qualifies for this discount.

You should keep in mind that most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

The chart below compares Mazda 6 insurance premiums with and without discounts applied. The data assumes a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, marriage, multi-car, and claim-free discounts applied.

To find providers who offer online Mazda 6 insurance quotes in Oakland, click this link.

What Determines Mazda 6 Insurance Prices?

The best way to find cheaper auto insurance is to take a look at some of the things that play a part in calculating your auto insurance rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in cheaper rates.

The factors shown below are some of the items used by companies to determine your prices.

• Your address can influence price – Residing in less populated areas can be a good thing when talking about auto insurance. Fewer drivers and short commutes translates into fewer accidents. Drivers who live in large California cities regularly have more road rage incidents and longer commutes to work. More time behind the wheel can result in more accidents.
• Save money by having multiple policies – Most larger companies give better rates to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you still need to shop around to confirm you are receiving the best rates possible. Drivers may still save even more by insuring with multiple companies.
• Your career may increase rates – Occupations such as doctors, police officers, and miners tend to have the highest rates in part from intense work requirements and extremely grueling work hours. On the other hand, jobs such as professors, historians and performers pay the least.
• Having a spouse pays dividends – Walking down the aisle can actually save you money when shopping for auto insurance. Having a significant other generally demonstrates drivers are more mature and statistics prove being married results in fewer claims.
• Liability is peace of mind – Liability insurance kicks in if ever a court rules you are at fault for physical damage or personal injury to other. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap compared to comp and collision, so drivers should carry high limits.
• Use but don’t abuse your insurance – If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Insurance companies in California award better rates to insureds that do not abuse their auto insurance. Auto insurance is designed for more catastrophic claims.
• Discounts for theft deterrents – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft and help lower rates.

• Mazda 6 insurance loss probability – Insurance companies use statistical claims data to calculate a price that will offset any claims. Vehicles that the data shows to have a trend towards higher claims will have a higher premium rate. The table below demonstrates the historical insurance loss data for Mazda 6 vehicles.

  For each coverage category, the statistical loss for all vehicles combined as an average is a value of 100. Percentages below 100 indicate better than average losses, while values that are above 100 indicate more frequent claims or tendency to have larger claims.

  
  

  Auto Insurance Loss Data for Mazda 6 Models

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

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

What insurance coverages do I need?

When selecting insurance from an agent or online, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that.
For example, these questions can help discover if you will benefit from professional help.

• What does roadside assistance cover?
• Do I have coverage when pulling a U-Haul trailer?
• What if a claim settlement is too low?
• What is no-fault insurance?
• Is my nanny covered when driving my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• What is the difference between personal and commercial auto insurance policies?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Local Oakland insurance agencies and insurance

Many people still like to buy from a local agent and we recommend doing that The best thing about getting online price quotes is that you can obtain lower rates but also keep your business local. And providing support for local agencies is especially important in Oakland.

By using this quick form, your insurance data is sent to participating agents in Oakland that give free quotes to get your business. There is no need to find an agent on your own due to the fact that quote results will go directly to you. You can find the lowest rates AND a local agent. If for some reason you want to get a rate quote from a specific insurance company, don’t hesitate to jump over to their website and fill out their quote form.

Below are Oakland insurers that may be willing to give comparison quotes for Mazda 6 insurance in Oakland.

View more agents

Finding the right insurer is decision based upon more than just a low price. You should also get answers to these questions.

• Is insurance their full-time profession?
• Does the agent recommend any additional coverage?
• Do they specialize in personal lines coverage in Oakland?
• Do they make recommendations based only on price?
• Does the agent help file claims?

After you get good responses as well as an affordable premium quote, you may have found a company that is professional and can insure your vehicles.

Best auto insurance company in California

Finding the top car insurance provider is difficult considering how many companies are available to choose from in California. The rank data in the next section could help you decide which car insurance companies you want to consider putting your business with.

Top 10 Oakland Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Top 10 Oakland Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Don’t give up on affordable coverage

When searching for inexpensive Oakland auto insurance quotes, don’t be tempted to skimp on coverage in order to save money. In many cases, someone sacrificed comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find for the lowest cost.

Lower-priced insurance in Oakland can be found online in addition to many Oakland insurance agents, so you need to shop Oakland auto insurance with both in order to have the best price selection to choose from. Some insurance companies don’t offer online rate quotes and these smaller companies work with independent agents.

More tips and info about insurance is located in the articles below:

• Understanding Limits and Deductibles (Allstate)
• How Much are Car Insurance Rates for Teachers in Oakland? (FAQ)
• What Car Insurance is Cheapest for Unemployed Drivers in Oakland? (FAQ)
• What Car Insurance is Cheapest for Low Mileage Drivers in Oakland? (FAQ)
• Teen Driving Statistics (GEICO)
• All About Airbag Safety (State Farm)