Searching for lower-cost Las Vegas Mazda 6 insurance quotes over the internet can be rather difficult for vehicle owners who are new to online price comparisons. With so many options of insurers available, how can you even start to compare them all to find better car insurance prices?
Unfortunately, most drivers have purchased from the same company for a minimum of four years, and nearly the majority have never even shopped around for affordable coverage. Las Vegas drivers can save hundreds of dollars each year by just shopping around, but they just assume it takes a lot of time to compare rates.
Ways to get Mazda 6 insurance quotes in Las Vegas
When comparison shopping, comparing more prices increases your odds of finding a better price.
The companies shown below have been selected to offer free rate quotes in Nevada. If multiple companies are listed, we suggest you get rates from several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|6 I Sport 4-Dr Sedan||$216||$370||$318||$18||$96||$1,018||$85|
|6 I SV 4-Dr Sedan||$204||$398||$290||$18||$86||$996||$83|
|6 I Touring 4-Dr Sedan||$260||$550||$372||$22||$112||$1,316||$110|
|6 I Touring Plus 4-Dr Sedan||$218||$324||$308||$18||$92||$960||$80|
|6 I Touring Plus 4-Dr Sedan||$258||$470||$324||$20||$96||$1,168||$97|
|6 I Grand Touring 4-Dr Sedan||$258||$554||$324||$20||$96||$1,252||$104|
|6 S Touring Plus 6 Cyl 4-Dr Sedan||$306||$472||$404||$24||$120||$1,326||$111|
|6 S Touring Plus 4-Dr Sedan||$242||$468||$416||$24||$124||$1,274||$106|
|6 S Grand Touring 4-Dr Sedan||$190||$298||$404||$24||$120||$1,036||$86|
|6 S Grand Touring 6 Cyl 4-Dr Sedan||$232||$464||$348||$20||$104||$1,168||$97|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in vehicle location which can decrease or increase premium rates significantly.
Comparison of auto insurance rates by age and gender in Las Vegas
The diagram below compares Mazda 6 auto insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Policy deductible comparison
The chart below illustrates how choosing a deductible and can influence Mazda 6 yearly insurance costs for each different age category. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Insuring your 6 just makes sense
Despite the high cost, auto insurance may be required for several reasons.
First, most states have mandatory liability insurance requirements which means state laws require specific limits of liability insurance if you want to drive legally. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Mazda 6 has a lienholder, it's most likely the lender will stipulate that you have insurance to protect their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Mazda at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
Third, insurance safeguards not only your vehicle but also your assets. Insurance will also pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance are definitely more than the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays more than $850 per year so shop around each time the policy renews to help ensure money is not being wasted.
Slash your insurance rates with these five discounts
Car insurance companies don't always publicize all their discounts in an easy-to-find place, so the following list contains both well-publicized and the more hidden credits that may apply to you. If you do not double check each discount possible, you are just wasting money.
- Early Renewal Discounts - Some companies reward drivers for signing up before your current coverage expires. It could save around 10% when you buy Las Vegas auto insurance online.
- College Student - Kids living away from Las Vegas attending college and leave their car at home may qualify for this discount.
- Savings for New Vehicles - Buying a new car instead of a used 6 can save up to 30% compared to insuring an older model.
- Las Vegas Homeowners Discount - Being a homeowner can earn you a little savings because of the fact that having a home requires personal responsibility.
- Membership in Organizations - Participating in a civic or occupational organization in Las Vegas can get you a small discount on your bill.
As a footnote on discounts, many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you're out of luck.
Larger insurance companies and their possible discounts are shown below.
- Progressive policyholders can earn discounts including online quote discount, homeowner, online signing, multi-policy, multi-vehicle, continuous coverage, and good student.
- Farmers Insurance discounts include mature driver, distant student, pay in full, good student, business and professional, switch companies, and youthful driver.
- Farm Bureau offers premium reductions for 55 and retired, youthful driver, renewal discount, good student, driver training, multi-vehicle, and multi-policy.
- State Farm offers discounts for Drive Safe & Save, good driver, anti-theft, multiple autos, and good student.
- GEICO may include discounts for membership and employees, defensive driver, seat belt use, multi-policy, and anti-lock brakes.
- SAFECO includes discounts for teen safety rewards, bundle discounts, anti-lock brakes, accident prevention training, safe driver, and drive less.
- Liberty Mutual offers discounts including new vehicle discount, newly retired, multi-policy, safety features, and good student.
If you need lower rates, check with each company or agent which discounts they offer. Some credits may not be offered in your area. To view providers who offer free Mazda 6 insurance quotes in Nevada, click here to view.
Neighborhood Las Vegas auto insurance agents
Some consumers still prefer to talk to a local agent and doing that can be a smart decision One of the benefits of getting online price quotes is the fact that you can find cheap insurance rates and still buy from a local agent.
Once you complete this short form, the coverage information is instantly submitted to insurance agents in Las Vegas that give free quotes for your insurance coverage. It's much easier because you don't need to do any legwork as quotes are delivered to you. You'll get the best rates without requiring a lot of work. If you want to get a comparison quote from a specific company, you can always search and find their rate quote page and fill out the quote form the provide.
Selecting an insurance company is decision based upon more than just the premium amount. Any agent in Las Vegas should be willing to answer these questions.
- Is the agent CPCU or CIC certified?
- Do they reduce claim amounts on high mileage vehicles?
- How many years of experience in personal auto insurance do they have?
- If your car is totalled, how to they determine the replacement cost?
- Are they primarily personal or commercial lines agents in Las Vegas?
- Which company do they place the most coverage with?
If you are searching for a good Las Vegas insurance agent, it's important to understand the types of insurance agents and how they can service your needs differently. Insurance agents in Las Vegas may be either independent agents or exclusive agents.
Exclusive Insurance Agents
Agents of this type can only place business with one company like State Farm, AAA, and Liberty Mutual. These agents are not able to compare rates from other companies so keep that in mind. Exclusive agencies receive a lot of sales training on sales techniques and that can be a competitive advantage. Consumers frequently buy insurance from these agents mostly because of high brand loyalty rather than low rates.
Below are exclusive agents in Las Vegas that are able to give price quotes.
- Mike Whitford - State Farm Insurance Agent
6485 N Decatur Blvd #150 - Las Vegas, NV 89131 - (702) 463-2400 - View Map
- Allstate Insurance: Yukin Kwan
4001 S Decatur Blvd Ste 4 - Las Vegas, NV 89103 - (702) 530-8822 - View Map
- State Farm: Gregory A Moore
4312 W Charleston Blvd - Las Vegas, NV 89102 - (702) 870-9298 - View Map
Independent Agencies or Brokers
Agents that choose to be independent can quote rates with many companies and that is an advantage because they can write policies with lots of companies enabling the ability to shop coverage around. If prices rise, they simply switch companies in-house and you don't have to switch agencies. When comparing insurance prices, you will want to compare quotes from several independent insurance agents to have the most options to choose from. Most independent agents also contract with mutual insurance companies which may provide better rates.
The following is a list of independent agencies in Las Vegas willing to provide price quotes.
- Safeguard Insurance LLC
5225 S Durango Dr - Las Vegas, NV 89113 - (702) 638-0022 - View Map
- Las Vegas Auto Insurance
1953 N Decatur Blvd - Las Vegas, NV 89108 - (702) 570-5777 - View Map
- Estrella Insurance Services
3700 E Charleston Blvd #130 - Las Vegas, NV 89104 - (702) 382-1177 - View Map
Insurance agents can help
When quoting and choosing a policy for your vehicles, there really is not a single plan that fits everyone. Everyone's needs are different and a cookie cutter policy won't apply. These are some specific questions can help discover whether you would benefit from professional advice.
- Can I afford low physical damage deductibles?
- Do I need motorclub coverage?
- Are my friends covered when driving my car?
- Do I pay less for low miles?
- Will filing a claim cost me more?
- Which companies will insure me after a DUI?
- Does my insurance cover my expensive audio equipment?
If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
What auto insurance coverages do you need?
Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.
Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as crashing into a building, hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible on your 6 to bring the cost down.
Medical expense coverage
Med pay and PIP coverage kick in for bills for things like hospital visits, pain medications, doctor visits, dental work and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like damage from getting keyed, theft and fire damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
Uninsured or underinsured coverage
This coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Mazda 6.
Due to the fact that many Nevada drivers only carry the minimum required liability limits (15/30/10 in Nevada), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Liability coverage will cover injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/10 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property.
Liability coverage protects against things such as pain and suffering, attorney fees, structural damage and medical services. How much coverage you buy is up to you, but buy higher limits if possible. Nevada state minimum liability requirements are 15/30/10 but it's recommended drivers buy more coverage.
Cover all your bases
As you quote Las Vegas auto insurance, never buy less coverage just to save a little money. There are many occasions where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim they didn't have enough coverage. Your goal should be to buy enough coverage at the best price but still have enough coverage for asset protection.
Throughout this article, we presented some good ideas how to find cheap Mazda 6 insurance in Las Vegas. The key concept to understand is the more companies you get auto insurance rates for, the better likelihood of getting affordable Mazda 6 insurance quotes. You may even discover the lowest priced car insurance comes from the smaller companies. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.
Additional information is located on the following sites:
- Auto Crash Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for Hybrid Vehicles in Nevada? (FAQ)
- How Much are Car Insurance Quotes for Used Cars in Nevada? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a 20 Year Old Female in Nevada? (FAQ)
- What Auto Insurance is Cheapest in Sunrise Manor, Nevada? (FAQ)
- Think You're a Safe Driver? (State Farm)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Five Mistakes to Avoid (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)