The best way we recommend to find cheaper prices for car insurance rates is to regularly compare prices from insurers in Boston. This can be done by completing these steps.
Step 1: Try to understand how companies set rates and the factors you can control to lower rates. Many rating factors that increase rates like traffic violations, accidents, and a less-than-favorable credit history can be remedied by making lifestyle changes or driving safer. Keep reading for more information to help reduce premium rates and find missing discounts.
Step 2: Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple insurance companies.
Step 3: Compare the quotes to your current policy premium to see if a cheaper price is available in Boston. If you can save money, ensure there is no coverage lapse between policies.
One thing to remember is to make sure you’re comparing the same level of coverage on every price quote and and to compare as many different insurance providers as possible. This helps ensure the most accurate price comparison and a good representation of prices.
Smart shoppers know that insurance companies don’t want you comparing rates. Consumers who perform rate comparisons will most likely switch auto insurance companies because there is a good chance of finding better rates. A recent survey found that consumers who routinely compared quotes saved about $3,500 over four years compared to policyholders who never compared rates.
If finding the cheapest price on car insurance in Boston is your objective, learning how to get rate quotes and compare car insurance can save time, money, and frustration.
If you are already insured, you will most likely be able to reduce the price you pay using the concepts you’re about to learn. Locating the most cost-effective auto insurance policy in Boston is quite easy. Nevertheless, Massachusetts car owners benefit from understanding the way companies determine premium rates and use it to find better rates.
Free Boston Mazda 6 insurance quotes
It’s important to know that comparing a large number of companies will increase your chances of finding more affordable rates.
The providers in the list below provide free quotes in Massachusetts. To find the best car insurance in MA, it’s highly recommended you get price quotes from several of them to get the best price comparison.
Three main reasons to buy auto insurance
Despite the high insurance cost for a Mazda 6 in Boston, insuring your vehicle serves several important purposes.
- Almost all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability in order to license the vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Mazda 6 with a loan, most banks will require that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank may insure your Mazda at a significantly higher premium and make you pay the higher price.
- Insurance safeguards both your assets and your vehicle. Insurance will also pay for medical bills for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are named as a defendant in an auto accident. If you have damage to your Mazda as the result of the weather or an accident, your policy will cover the repair costs.
The benefits of insuring your 6 more than cancel out the cost, particularly when you have a large claim. But the average driver in Massachusetts is overpaying more than $865 each year so it’s important to compare rates each time the policy renews to make sure the price is not too high.
Statistics and details
The information below outlines detailed analysis of insurance prices for Mazda 6 models. Knowing how insurance quotes are figured can help guide drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $202 | $370 | $320 | $18 | $96 | $1,006 | $84 |
| 6 I SV 4-Dr Sedan | $202 | $370 | $320 | $18 | $96 | $1,006 | $84 |
| 6 I Touring 4-Dr Sedan | $202 | $370 | $320 | $18 | $96 | $1,006 | $84 |
| 6 I Touring Plus 4-Dr Sedan | $228 | $370 | $320 | $18 | $96 | $1,032 | $86 |
| 6 I Touring Plus 4-Dr Sedan | $228 | $370 | $320 | $18 | $96 | $1,032 | $86 |
| 6 I Grand Touring 4-Dr Sedan | $228 | $436 | $320 | $18 | $96 | $1,098 | $92 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $228 | $436 | $320 | $18 | $96 | $1,098 | $92 |
| 6 S Touring Plus 4-Dr Sedan | $228 | $436 | $320 | $18 | $96 | $1,098 | $92 |
| 6 S Grand Touring 4-Dr Sedan | $228 | $436 | $320 | $18 | $96 | $1,098 | $92 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $228 | $436 | $320 | $18 | $96 | $1,098 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in vehicle garaging location which can change coverage prices greatly.
Raise deductibles and save
The hardest decision when buying coverage is at what level do you set your deductibles. The following insurance rates can help illustrate the differences in price when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $100 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| 6 I SV 4-Dr Sedan | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| 6 I Touring 4-Dr Sedan | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| 6 I Touring Plus 4-Dr Sedan | $324 | $520 | $334 | $20 | $100 | $1,323 | $110 |
| 6 I Touring Plus 4-Dr Sedan | $324 | $520 | $334 | $20 | $100 | $1,323 | $110 |
| 6 I Grand Touring 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| 6 S Touring Plus 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| 6 S Grand Touring 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $210 | $350 | $334 | $20 | $100 | $1,014 | $85 |
| 6 I SV 4-Dr Sedan | $210 | $350 | $334 | $20 | $100 | $1,014 | $85 |
| 6 I Touring 4-Dr Sedan | $210 | $350 | $334 | $20 | $100 | $1,014 | $85 |
| 6 I Touring Plus 4-Dr Sedan | $236 | $350 | $334 | $20 | $100 | $1,040 | $87 |
| 6 I Touring Plus 4-Dr Sedan | $236 | $350 | $334 | $20 | $100 | $1,040 | $87 |
| 6 I Grand Touring 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| 6 S Touring Plus 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| 6 S Grand Touring 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can influence coverage prices considerably.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $24 more each month or $288 annually than choosing the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 17 months between claim filings, you would probably come out ahead if you decide on a higher deductible.
The information below shows how choosing a deductible and can change Mazda 6 insurance costs for each age group. The rate quotes are based on a single female driver, comp and collision included, and no other discounts are factored in.
Lower-cost Mazda 6 insurance quotes in Boston
Companies don’t always publicize the entire discount list very well, so the list below contains a few of the more well known and the harder-to-find ways to save on auto insurance.
- Discount for Multiple Policies – If you have multiple policies with one insurance company you could save 10% to 20% off each policy.
- Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Full Payment Discount – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
- Discount for Home Ownership – Owning a house in Boston can help you save on auto insurance since home ownership requires personal responsibility.
- Professional Memberships – Affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your next auto insurance statement.
- Discounts for Cautious Drivers – Accident-free drivers may save up to 50% more compared to accident prone drivers.
- Discounts for Multiple Vehicles – Buying coverage for multiple vehicles on a single policy may reduce the rate for each vehicle.
- Accident Waiver – Not really a discount, but a handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims before the accident.
- Discounts for New Vehicles – Buying a new car instead of a used 6 can be considerably cheaper because newer vehicles keep occupants safer.
Don’t be surprised that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.
The example below illustrates the comparison of Mazda 6 auto insurance costs with and without discounts being applied to the rates. The data assumes a female driver, no violations or claims, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, marriage, safe-driver, and homeowner discounts applied.
A few companies that may offer some of the above discounts possibly include:
If you need low cost Boston car insurance quotes, ask every company to apply every possible discount. Discounts may not apply in your area. To find companies that offer many of these discounts in Boston, click here.