Do you want to save money by finding more affordable Mazda 6 insurance in Chicago? Paying for pricey Mazda 6 insurance in Chicago can diminish your funds and make it hard to pay other bills.
A recent survey discovered that the vast majority of consumers in Illinois kept their coverage with the same car insurance company for more than four years, and 38% of customers have never even shopped around for lower-cost coverage. Most drivers in the United States could pocket up to $859 a year by just comparing rate quotes, but they think it’s difficult to find lower-cost car insurance rates.
Companies like Allstate, Progressive and GEICO all claim big savings, bombarding you with ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.
Smart consumers take time to get comparison quotes as often as possible because insurance prices change quite often. Just because you had the best quotes on Mazda 6 insurance in Chicago two years ago the chances are good that you can find a lower rate today. There are a lot of ways to save on 6 insurance online, but we’re going to give you some great ideas on how to lower your car insurance premiums.
Companies offering Mazda 6 insurance in Illinois
The companies shown below offer price quotes in Illinois. If multiple providers are shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $126 | $228 | $246 | $14 | $74 | $688 | $57 |
| 6 I SV 4-Dr Sedan | $142 | $268 | $274 | $16 | $82 | $782 | $65 |
| 6 I Touring 4-Dr Sedan | $150 | $252 | $268 | $16 | $80 | $766 | $64 |
| 6 I Touring Plus 4-Dr Sedan | $144 | $232 | $250 | $14 | $76 | $716 | $60 |
| 6 I Touring Plus 4-Dr Sedan | $230 | $374 | $268 | $16 | $80 | $968 | $81 |
| 6 I Grand Touring 4-Dr Sedan | $196 | $396 | $246 | $14 | $74 | $926 | $77 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $208 | $368 | $268 | $16 | $80 | $940 | $78 |
| 6 S Touring Plus 4-Dr Sedan | $218 | $492 | $294 | $18 | $88 | $1,110 | $93 |
| 6 S Grand Touring 4-Dr Sedan | $186 | $322 | $262 | $16 | $78 | $864 | $72 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $206 | $398 | $352 | $20 | $106 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific zip code location which can increase or decrease rates significantly.
Analysis of deductible levels
The illustration below highlights how deductible choice and can change Mazda 6 insurance rates for different categories of driver ages. The data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.
Policy deductibles
The hardest decision when buying coverage is which deductibles should you choose. The rates below can help you understand the price difference of buying low and high physical damage coverage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $224 | $406 | $262 | $16 | $78 | $1,011 | $84 |
| 6 I SV 4-Dr Sedan | $224 | $406 | $262 | $16 | $78 | $1,011 | $84 |
| 6 I Touring 4-Dr Sedan | $224 | $406 | $262 | $16 | $78 | $1,011 | $84 |
| 6 I Touring Plus 4-Dr Sedan | $254 | $406 | $262 | $16 | $78 | $1,041 | $87 |
| 6 I Touring Plus 4-Dr Sedan | $254 | $406 | $262 | $16 | $78 | $1,041 | $87 |
| 6 I Grand Touring 4-Dr Sedan | $254 | $478 | $262 | $16 | $78 | $1,113 | $93 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $254 | $478 | $262 | $16 | $78 | $1,113 | $93 |
| 6 S Touring Plus 4-Dr Sedan | $254 | $478 | $262 | $16 | $78 | $1,113 | $93 |
| 6 S Grand Touring 4-Dr Sedan | $254 | $478 | $262 | $16 | $78 | $1,113 | $93 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $254 | $478 | $262 | $16 | $78 | $1,113 | $93 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $124 | $214 | $262 | $16 | $78 | $694 | $58 |
| 6 I SV 4-Dr Sedan | $124 | $214 | $262 | $16 | $78 | $694 | $58 |
| 6 I Touring 4-Dr Sedan | $124 | $214 | $262 | $16 | $78 | $694 | $58 |
| 6 I Touring Plus 4-Dr Sedan | $140 | $214 | $262 | $16 | $78 | $710 | $59 |
| 6 I Touring Plus 4-Dr Sedan | $140 | $214 | $262 | $16 | $78 | $710 | $59 |
| 6 I Grand Touring 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| 6 S Touring Plus 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| 6 S Grand Touring 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in specific location information which can alter premium rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $29 more each month or $348 annually than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 31 months between claims, you would probably be better off by selecting a higher deductible.
Mazda 6 insurance costs by age and gender
The illustration below visualizes the comparison of Mazda 6 premium costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Get More Affordable Insurance Prices by Understanding These Factors
The best way to find cheaper insurance is to take a look at the different types of things that help determine your premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that can help you get lower insurance prices. Many things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other criteria are not quite as obvious such as your marital status or how financially stable you are.
Responsible drivers pay the best prices – Careful drivers receive lower rates as compared to those with violations. Even a single citation may cause rates to rise twenty percent or more. Drivers with dangerous violations such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.
Save money by having responsible credit – Having a bad credit score can be a huge factor in determining what you pay for insurance. Drivers with very good credit scores tend to file fewer claims than those with lower credit ratings. So if your credit score can use some improvement, you could be paying less to insure your Mazda 6 if you improve your credit rating.
Are males or females drivers cheaper? – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. Females and males tend to get into at-fault accidents in similar percentages, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving.
Why do you need liability coverage? – Your insurance policy’s liability coverage kicks in in the event that you are determined to be liable for damages caused by your negligence. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
Expect high rates for teens – Mature drivers have been proven to be more responsible, statistically cause fewer accidents, and receive fewer citations.Inexperience drivers are known to get distracted easily behind the wheel therefore insurance rates are much higher.
Insurance losses for a Mazda 6 – Insurance companies use historical loss data to calculate a price that will offset losses. Vehicles that the data shows to have higher number or severity of losses will cost more for specific coverages.
The data below shows the insurance loss data used by companies for Mazda 6 vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make or model, is represented as 100. Values below 100 represent a good loss history, while percentage values above 100 indicate a higher chance of having a claim or larger claims.
Mazda 6 Insurance Claim Statistics
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Mazda 6 | 99 | 92 | 112 | 94 | 98 | 94 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Chicago insurance discounts for a Mazda 6
Insurance is not inexpensive, but there’s a good chance there are discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but a few need to be specially asked for prior to getting the savings.
- Fewer Miles Equal More Savings – Low annual miles could be rewarded with slightly better rates than normal.
- No Charge for an Accident – Not a discount per se, but companies like Progressive, Allstate, and GEICO allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a set time period.
- Organization Discounts – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break when getting a Chicago car insurance quote.
- Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote Chicago car insurance with certain companies.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you lower prices if you buy a life insurance policy as well.
- Driver Safety – Taking a defensive driver course can save you 5% or more and make you a better driver.
- Good Student – Excelling in school may save you up to 25%. The good student discount can last well after school through age 25.
Please keep in mind that most discount credits are not given to the entire cost. Most only cut specific coverage prices like comp or med pay. Even though the math looks like adding up those discounts means a free policy, companies wouldn’t make money that way.
Larger insurance companies and some of the discounts are outlined below.
- Farm Bureau offers discounts including 55 and retired, good student, safe driver, multi-policy, multi-vehicle, driver training, and youthful driver.
- MetLife has discounts for defensive driver, good student, multi-policy, accident-free, good driver, claim-free
- Progressive includes discounts for multi-policy, homeowner, online signing, good student, and online quote discount.
- AAA has savings for good student, pay-in-full, AAA membership discount, anti-theft, good driver, multi-car, and multi-policy.
- American Family may offer discounts for accident-free, early bird, air bags, bundled insurance, mySafetyValet, good driver, and TimeAway discount.
- GEICO discounts include military active duty, daytime running lights, membership and employees, five-year accident-free, multi-vehicle, multi-policy, and defensive driver.
- State Farm may include discounts for passive restraint, safe vehicle, student away at school, driver’s education, anti-theft, Steer Clear safe driver discount, and good student.
If you need inexpensive Chicago car insurance quotes, ask every prospective company which discounts they offer. Some discounts listed above might not be available to policyholders in Chicago.
When should I have guidance from an agent?
Some consumers just want to have an agent’s advice and often times that is recommended The biggest benefit of comparing rate quotes online is the fact that you can find lower car insurance rates but also keep your business local.
For easy comparison, once you complete this simple form, your insurance coverage information is immediately sent to agents in your area that provide free Chicago car insurance quotes for your coverage. There is no need to visit any agencies because quoted prices will be sent to you. You can most likely find cheaper rates AND an agent nearby. If you want to get a comparison quote for a specific company, you can always search and find their rate quote page and give them your coverage information.
Deciding on an company should depend on more than just a cheap price. Here are some questions to ask:
- Does the agency support the community they serve?
- Does the agent help file claims?
- Are all drivers listed on the coverage quote?
- How would your car be valued if totalled?
- Do they have 24-hour customer assistance?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How many companies do they write for?
- How long have they worked with personal auto insurance coverage?
Chicago car insurance agents come in two flavors
If you are wanting to find a local agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents in Chicago are classified as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Agents in the exclusive channel can only quote rates from one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are trained well on sales techniques which helps them compete with independent agents.
The following is a short list of exclusive agents in Chicago that can give you comparison quotes.
Jim Tom – State Farm Insurance Agent
4317 N Lincoln Ave – Chicago, IL 60618 – (773) 477-3300 – View Map
Judith Gleason – State Farm Insurance Agent
2643 N Harlem Ave – Chicago, IL 60707 – (773) 637-8547 – View Map
Kathleen McKenzie – State Farm Insurance Agent
725 W 31st St – Chicago, IL 60616 – (312) 791-1200 – View Map
Independent Insurance Agents
Independent agents are normally appointed by many insurers so they can insure your vehicles with a variety of different insurance companies and get you the best rates possible. If your premiums go up, your agent can switch companies which requires no work on your part. If you need cheaper auto insurance rates, we highly recommend that you compare quotes from a couple of independent agencies in order to have the best price comparison.
Listed below are independent insurance agents in Chicago that are able to give price quote information.
Public Insurance Agency
3656 N Cicero Ave – Chicago, IL 60641 – (773) 725-9333 – View Map
ABI Insurance Agency
4806 N Milwaukee Ave – Chicago, IL 60630 – (773) 202-9666 – View Map
W.A. George Insurance Agency
155 N Michigan Ave #300 – Chicago, IL 60601 – (312) 729-5265 – View Map
Do drivers who switch really save?
Well-known car insurance companies like Allstate, GEICO and Progressive regularly use ads on television and other media. All the ads make an identical promise about how much you will save after switching your policy. How does every car insurance company cost less than your current company?
Different companies quote their best rates for the type of driver that makes them money. For instance, this type of risk profile could be a married male, has no driving citations, and has a high credit rating. Someone that fits those parameters will get a cheap rate quote in Chicago and will save money with a new company.
Insureds who may not quite match the requirements will see higher premiums and this can result in business going elsewhere. If you listen closely, the ads state “drivers who switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently state the savings. That is why it’s extremely important to compare quotes as often as possible. Because you cannot predict which company will have the lowest prices for your situation.
Don’t give up on affordable premiums
In this article, we covered a lot of ways to get a better price on Mazda 6 insurance in Chicago. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even find the most savings is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.
Affordable Mazda 6 insurance in Chicago is available on the web as well as from insurance agents, so get free Chicago car insurance quotes from both of them to have the best selection. Some companies do not provide the ability to get quotes online and usually these smaller companies sell through local independent agencies.
To read more, feel free to visit the following helpful articles:
- Auto Crash Statistics (Insurance Information Institute)
- Who Has the Cheapest Chicago Auto Insurance for a Nissan Rogue? (FAQ)
- Who Has Affordable Chicago Car Insurance Rates for a Hyundai Santa Fe? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Nissan Sentra in Chicago? (FAQ)
- Who Has the Cheapest Chicago Auto Insurance for Teenagers? (FAQ)
- Frontal Crash Tests (iihs.org)
- Understanding Car Crashes Video (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Institute)