A recent NerdWallet.com study revealed that over 70% of Ohio drivers kept buying from the same company for more than four years, and almost 40% of drivers have never compared rate quotes at all. With the average insurance premium being $1,847, U.S. drivers can save about 47% each year just by comparing rates, but they just assume it takes a lot of time to compare rate quotes online.
Really, the only way to find the cheapest price for Mazda 6 insurance is to regularly compare quotes from providers who can sell car insurance in Columbus. You can shop around by following these guidelines.
Step 1: Read about how insurance works and the factors you can control to keep rates down. Many things that are responsible for high rates such as traffic violations and a low credit rating can be amended by being financially responsible and driving safely.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes for a wide range of companies.
Step 3: Compare the quotes to your existing coverage and see if there is a cheaper rate in Columbus. If you find a lower rate, verify that coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company of your decision to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application for your new coverage. As soon as you can, safely store the certificate verifying coverage in an accessible location in your vehicle.
One thing to point out is to make sure you enter identical limits and deductibles on each quote and and to analyze as many companies as possible. Doing this guarantees an apples-to-apples comparison and a complete price analysis.
If you currently have a car insurance policy, you will be able to find better prices using the techniques presented in this article. Getting quotes for cheaper car insurance policy in Columbus can be fairly easy. But Ohio car owners need to have an understanding of how companies determine what you pay.
The most recommended method to compare car insurance company rates for Mazda 6 insurance in Columbus takes advantage of the fact most insurance companies have advanced systems to give rate comparisons. To get started, all you need to do is take a few minutes to give details including how you use your vehicles, types of safety features, your credit rating estimate, and if the vehicle is leased. Those rating factors is instantly sent to multiple top-rated companies and you get price estimates instantly to find the best rate.
To check Mazda 6 insurance prices now, click here and see if a lower rate is available in Columbus.
The car insurance companies shown below have been selected to offer free rate quotes in Ohio. If several companies are displayed, we recommend you visit two to three different companies to get a more complete price comparison.
Insurance coverage details
The coverage information shown next outlines different insurance premium costs for Mazda 6 models. Being aware of how insurance quotes are determined can be of help when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $150 | $290 | $256 | $16 | $76 | $788 | $66 |
| 6 I SV 4-Dr Sedan | $150 | $290 | $256 | $16 | $76 | $788 | $66 |
| 6 I Touring 4-Dr Sedan | $150 | $290 | $256 | $16 | $76 | $788 | $66 |
| 6 I Touring Plus 4-Dr Sedan | $170 | $290 | $256 | $16 | $76 | $808 | $67 |
| 6 I Touring Plus 4-Dr Sedan | $170 | $290 | $256 | $16 | $76 | $808 | $67 |
| 6 I Grand Touring 4-Dr Sedan | $170 | $342 | $256 | $16 | $76 | $860 | $72 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $170 | $342 | $256 | $16 | $76 | $860 | $72 |
| 6 S Touring Plus 4-Dr Sedan | $170 | $342 | $256 | $16 | $76 | $860 | $72 |
| 6 S Grand Touring 4-Dr Sedan | $170 | $342 | $256 | $16 | $76 | $860 | $72 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $170 | $342 | $256 | $16 | $76 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in specific location which can change coverage rates substantially.
Policy deductibles
A question often asked by Columbus drivers is which deductible level should you buy. The comparison tables below can help illustrate the differences in price when you buy lower versus higher physical damage deductibles. The first data set uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $196 | $352 | $226 | $14 | $68 | $881 | $73 |
| 6 I SV 4-Dr Sedan | $196 | $352 | $226 | $14 | $68 | $881 | $73 |
| 6 I Touring 4-Dr Sedan | $196 | $352 | $226 | $14 | $68 | $881 | $73 |
| 6 I Touring Plus 4-Dr Sedan | $220 | $352 | $226 | $14 | $68 | $905 | $75 |
| 6 I Touring Plus 4-Dr Sedan | $220 | $352 | $226 | $14 | $68 | $905 | $75 |
| 6 I Grand Touring 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| 6 S Touring Plus 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| 6 S Grand Touring 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $220 | $416 | $226 | $14 | $68 | $969 | $81 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $108 | $186 | $226 | $14 | $68 | $602 | $50 |
| 6 I SV 4-Dr Sedan | $108 | $186 | $226 | $14 | $68 | $602 | $50 |
| 6 I Touring 4-Dr Sedan | $108 | $186 | $226 | $14 | $68 | $602 | $50 |
| 6 I Touring Plus 4-Dr Sedan | $122 | $186 | $226 | $14 | $68 | $616 | $51 |
| 6 I Touring Plus 4-Dr Sedan | $122 | $186 | $226 | $14 | $68 | $616 | $51 |
| 6 I Grand Touring 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| 6 S Touring Plus 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| 6 S Grand Touring 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in specific location which can modify rates substantially.
We can derive from the above data that using a $100 deductible costs about $25 more each month or $300 for a full year averaged for all 6 models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 36 months between claims, you would probably be better off if you choose the higher deductible.
The example below illustrates how your choice of deductibles and can change Mazda 6 annual premium costs for different age categories. The rates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Cost difference between full coverage and liability
The illustration below illustrates the difference between Mazda 6 premium costs with full coverage and liability only. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no policy discounts are applied.
When to buy liability coverage only
There is no definitive rule to exclude physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Mazda 6 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after paying your policy deductible. If you are paying over $400 annually for full coverage, then you might want to consider buying only liability coverage.
There are a few situations where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
When in doubt talk to an agent
When selecting a policy, there is no one size fits all plan. Everyone’s situation is unique.
For instance, these questions might point out if your situation would benefit from an agent’s advice.
- Which companies will insure high-risk drivers?
- What is UM/UIM insurance?
- Is my camper covered for physical damage?
- Is my trailer covered?
- Can I afford low physical damage deductibles?
- Do I need more liability coverage?
- Why do I need rental car insurance?
If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form.
Local Columbus insurance agents
Some consumers just prefer to talk to an insurance agent and that is recommended in a lot of cases One of the great benefits of comparing rates online is that you can find lower premium rates but also keep your business local.
By using this simple form, your insurance data is submitted to local insurance agents in Columbus who will return price quotes for your coverage. You won’t even need to leave your computer as quotes are delivered immediately to your email address. You can most likely find cheaper rates AND a local agent. If you wish to compare prices from a specific company, just navigate to their website and fill out the quote form the provide.
Deciding on an company shouldn’t rely on just a low price. Before buying a policy in Columbus, get answers to these questions.
- Do they assist clients in filing claims?
- How much training do they have in personal risk management?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they get paid more for recommending certain coverages?
- Do they offer claims assistance after hours?
If you prefer to buy car insurance from a local agent, you should know the different types of agents and how they operate. Car insurance agencies are considered either exclusive agents or independent agents.
Exclusive Insurance Agencies
Exclusive agencies can only write with one company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers often buy from exclusive agents mainly due to loyalty to the company rather than having low rates.
Below are Columbus exclusive insurance agencies willing to provide price quote information.
- Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379 – View Map - American Family Insurance – Felix Quachey
1100 Morse Rd Ste 301 – Columbus, OH 43229 – (614) 536-0237 – View Map - Andrea Taylor – State Farm Insurance Agent
5540 N Hamilton Rd – Columbus, OH 43230 – (614) 855-9421 – View Map
Independent Agencies or Brokers
Agents of this type do not sell for just one brand and that enables them to quote your coverage with multiple insurance companies enabling the ability to shop coverage around. If you want to switch companies, they simply move the coverage in-house and that require little work on your part. If you need cheaper car insurance rates, we recommend you get rate quotes from a few independent agents so that you can do a thorough price comparison. Most also write with companies that do not advertise much that may provide cheaper car insurance rates.
Shown below are independent agents in Columbus that can give you price quotes.
- Nationwide Insurance: Glenn R Williams
2930 N High St – Columbus, OH 43202 – (614) 268-3567 – View Map - Guy P Williams Insurance Agency
1335 Dublin Rd #110d – Columbus, OH 43215 – (614) 488-1101 – View Map - Keystone Insurance Agency LLC
5640 Groveport Rd #2 – Groveport, OH 43125 – (614) 295-8816 – View Map