No normal person anticipates paying for auto insurance, in particular when they could find better rates elsewhere.
A recent auto insurance study revealed that a large majority of auto insurance policyholders kept buying from the same company for well over three years, and almost 40% of drivers have never compared rate quotes at all. Many consumers in Virginia can save up to $500 each year just by shopping around, but they just don’t want to do a rate comparison. Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest price on Mazda 6 insurance in Virginia Beach.
The method we recommend to compare car insurance company rates for Mazda 6 insurance in Virginia Beach is to take advantage of the fact auto insurance companies actually pay money for the chance to give free rates quotes. The only thing you need to do is provide information including if you require a SR-22, whether the vehicles are used for commuting, how much education you have, and if it has an alarm system. Those rating factors is then sent to many highly-rated insurers and they return cost estimate almost instantly.
To check Mazda 6 insurance prices now, click here and see if a lower rate is available in Virginia Beach.
The providers in the list below are our best choices to provide price quotes in Virginia Beach, VA. If you want the best auto insurance in VA, we suggest you click on several of them to get a more complete price comparison.
Lower-cost Virginia Beach insurance rates with discounts
Insurance is not an enjoyable expense, but you may qualify for discounts that could drop your premiums quite a bit. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be specifically requested before you get the savings.
- 55 and Retired – Drivers that qualify as senior citizens can get a slight reduction on a Virginia Beach auto insurance quote.
- Multi-Vehicle Discounts – Having several vehicles on the same insurance policy can reduce rates for all insured vehicles.
- Defensive Driving Course – Participating in a class that teaches defensive driver techniques could save 5% or more depending on where you live.
- Cautious Drivers – Accident-free drivers may save up to 50% more than less cautious drivers.
- Seat Belt Discounts – Drivers who require all occupants to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
- Multiple Policy Discount – If you combine your home and auto policies with one insurance company you may earn at least 10% off all policies.
- Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Virginia Beach and won’t have access to an insured vehicle may be insured at a cheaper rate.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates you could get a free insurance policy, you aren’t that lucky.
The chart below illustrates the comparison of Mazda 6 car insurance rates with and without policy discounts. The data assumes a male driver, a clean driving record, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, multi-policy, claim-free, and marriage discounts applied.
A few of the larger companies and some of their more popular discounts can be found below.
- Farmers Insurance offers premium reductions for youthful driver, business and professional, mature driver, homeowner, pay in full, good student, and distant student.
- Esurance discounts include DriveSense, paid-in-full, good driver, renters, homeowner, emergency road assistance, and claim free.
- State Farm policyholders can earn discounts including good driver, driver’s education, good student, multiple policy, and Steer Clear safe driver discount.
- GEICO has discounts for membership and employees, driver training, anti-lock brakes, federal employee, and anti-theft.
- Allstate may have discounts that include FullPay discount, premier discount, defensive driver, 55 and retired, and new car.
If you need lower rates, check with each company the best way to save money. Discounts may not apply to policyholders in every state.
Auto insurance statistics and figures
The coverage table shown next highlights a range of rate quotes for Mazda 6 models. Having insight into how insurance prices are determined can assist in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| 6 I SV 4-Dr Sedan | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| 6 I Touring 4-Dr Sedan | $120 | $242 | $312 | $18 | $94 | $786 | $66 |
| 6 I Touring Plus 4-Dr Sedan | $136 | $242 | $312 | $18 | $94 | $802 | $67 |
| 6 I Touring Plus 4-Dr Sedan | $136 | $242 | $312 | $18 | $94 | $802 | $67 |
| 6 I Grand Touring 4-Dr Sedan | $136 | $286 | $312 | $18 | $94 | $846 | $71 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $136 | $286 | $312 | $18 | $94 | $846 | $71 |
| 6 S Touring Plus 4-Dr Sedan | $136 | $286 | $312 | $18 | $94 | $846 | $71 |
| 6 S Grand Touring 4-Dr Sedan | $136 | $286 | $312 | $18 | $94 | $846 | $71 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $136 | $286 | $312 | $18 | $94 | $846 | $71 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific location information which can influence coverage prices noticeably.
Raise deductibles and save
One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The following tables determine the difference in cost when you select higher and lower coverage deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $198 | $336 | $258 | $16 | $78 | $911 | $76 |
| 6 I SV 4-Dr Sedan | $198 | $336 | $258 | $16 | $78 | $911 | $76 |
| 6 I Touring 4-Dr Sedan | $198 | $336 | $258 | $16 | $78 | $911 | $76 |
| 6 I Touring Plus 4-Dr Sedan | $224 | $336 | $258 | $16 | $78 | $937 | $78 |
| 6 I Touring Plus 4-Dr Sedan | $224 | $336 | $258 | $16 | $78 | $937 | $78 |
| 6 I Grand Touring 4-Dr Sedan | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| 6 S Touring Plus 4-Dr Sedan | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| 6 S Grand Touring 4-Dr Sedan | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $162 | $270 | $258 | $16 | $78 | $784 | $65 |
| 6 I SV 4-Dr Sedan | $162 | $270 | $258 | $16 | $78 | $784 | $65 |
| 6 I Touring 4-Dr Sedan | $162 | $270 | $258 | $16 | $78 | $784 | $65 |
| 6 I Touring Plus 4-Dr Sedan | $182 | $270 | $258 | $16 | $78 | $804 | $67 |
| 6 I Touring Plus 4-Dr Sedan | $182 | $270 | $258 | $16 | $78 | $804 | $67 |
| 6 I Grand Touring 4-Dr Sedan | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| 6 S Touring Plus 4-Dr Sedan | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| 6 S Grand Touring 4-Dr Sedan | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can modify prices noticeably.
Based on the above data, using a $250 deductible will cost you roughly $12 more each month or $144 for a full year averaged for all 6 models than opting for the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 21 months between claims, you would probably come out ahead by going with a higher deductible. The table below shows how this decision is made.
| Average monthly premium for $250 deductibles: | $80 |
| Average monthly premium for $500 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
The diagram below shows how choosing a deductible and can increase or decrease Mazda 6 annual premium costs for different age categories. The price estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Full coverage rates vs. liability-only in Virginia Beach
The information below illustrates the comparison of Mazda 6 insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no violations or accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no clear-cut rule of when to eliminate physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Mazda 6 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after the deductible is paid. If premiums are more than $500 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some scenarios where only buying liability is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
How You Can Control Mazda 6 Insurance Costs
Many factors are part of the equation when premium rates are determined. Some are obvious like your driving record, but other factors are not as apparent such as your marital status or your financial responsibility. Consumers need to have an understanding of the rating factors that are used to determine your premiums. If you understand what influences your rates, this allows you to make good choices that can help you get big savings.
- Additional coverages that may be costing you – There are quite a few extra bells and whistles that can waste your money but may not be useful. Insurance for personal injury protection, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but if they’re wasting money remove them from your policy.
- Safety ratings are a factor – Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If the Mazda 6 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- Prices can change based on your address – Living in smaller towns and rural areas of the country can be a good thing when it comes to car insurance. Drivers in populated areas tend to have more aggressive driving styles and more time behind the wheel. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates.
- Stress out and pay more – Careers such as lawyers, social workers, and dentists tend to pay higher premiums than the average policyholder attributed to intense work requirements and long work days. On the other hand, occupations such as actors, students and performers have the lowest average rates.
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Cautious drivers pay better prices – Your driving citation history can have a huge impact on auto insurance premiums. Careful drivers get better rates compared to bad drivers. Even one ticket can bump up the cost by as much as thirty percent. Drivers who have dangerous tickets such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to legally drive a vehicle.
The chart below highlights how traffic violations and at-fault fender-benders drive up Mazda 6 insurance costs for each age group. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
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Premiums for men may be higher – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean females are better drivers. Females and males have at-fault accidents in similar percentages, but males tend to have more serious accidents. Men also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and are penalized with high car insurance rates.
The chart below shows the difference between Mazda 6 annual premium costs for male and female drivers. The prices are based on a clean driving record, no claims, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied to the premium.
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Claims statistics for a Mazda 6 – Companies use statistical claims data as a tool for profitable underwriting. Vehicles that have high amounts or severity of claims will have higher premium rates.
The information below illustrates the compiled insurance loss statistics for Mazda 6 vehicles. For each type of coverage, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage numbers below 100 represent a good loss history, while values that are above 100 indicate frequent claims or a tendency for losses to be larger than average.
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 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years