If you want to find the absolute lowest rates, then the best way to find discount car insurance rates in Irvine is to start comparing prices regularly from different companies who sell insurance in California.
First, spend some time learning about how car insurance works and the things you can change to keep rates down. Many risk factors that result in higher prices such as at-fault accidents and a negative credit rating can be rectified by making lifestyle changes or driving safer. Keep reading for additional tips to find cheap prices and find available discounts that you may qualify for.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can quote rates for many different companies. Begin your rate comparison
Third, compare the new rate quotes to your existing policy to see if cheaper 6 coverage is available. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
Fourth, provide adequate notice to your current company of your intent to cancel your existing policy. Submit a completed policy application and payment to your new agent or company. Make sure you store the certificate verifying proof of insurance with your vehicle’s registration.
The critical component of shopping around is that you’ll want to make sure you compare the same deductibles and limits on every quote request and and to get price estimates from as many different insurance providers as possible. Doing this ensures a fair price comparison and a better comparison of the market.
Surprisingly, a recent survey revealed that a large majority of drivers kept their coverage with the same car insurance company for well over three years, and just short of a majority have never compared quotes from other companies. Drivers in Irvine could save approximately $470 each year by just shopping around, but most tend to underestimate the big savings they would realize if they changed companies.
To find low cost Irvine auto insurance quotes, there are several ways of comparing rate quotes from companies that offer auto insurance in California. The simplest method to find the cheapest Mazda 6 insurance rates consists of shopping online. Keep in mind that more quotes helps increase your odds of locating lower pricing. Some companies don’t provide Irvine 6 insurance quotes online, so you also need to get price quotes on coverage from those companies, too.
The companies shown below provide free quotes in California. If you want the best car insurance in Irvine, CA, it’s highly recommended you visit as many as you can to get the cheapest price.
Why you need quality insurance for your Mazda 6
Even though it can be expensive, insurance serves several important purposes.
First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your 6, almost every bank will force you to have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Mazda for a lot more money and force you to reimburse them the higher price.
Third, insurance protects both your vehicle and your personal assets. It will also pay for medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your 6 are definitely more than the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays more than $825 a year so it’s important to compare rates once a year at a minimum to ensure rates are competitive.
Premium rates and analysis
The rate table below outlines detailed analysis of coverage prices for Mazda 6 models. Knowing how car insurance prices are established can help guide drivers when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| 6 I SV 4-Dr Sedan | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| 6 I Touring 4-Dr Sedan | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| 6 I Touring Plus 4-Dr Sedan | $204 | $354 | $500 | $30 | $150 | $1,238 | $103 |
| 6 I Touring Plus 4-Dr Sedan | $204 | $354 | $500 | $30 | $150 | $1,238 | $103 |
| 6 I Grand Touring 4-Dr Sedan | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| 6 S Touring Plus 4-Dr Sedan | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| 6 S Grand Touring 4-Dr Sedan | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific garaging location which can modify premiums noticeably.
Choosing deductibles
When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The comparisons below help summarize the differences in price between high and low physical damage coverage deductibles. The first pricing table uses a $100 deductible for comp and collision 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 | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 6 I SV 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 6 I Touring 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| 6 I Touring Plus 4-Dr Sedan | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| 6 I Touring Plus 4-Dr Sedan | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| 6 I Grand Touring 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 6 S Touring Plus 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 6 S Grand Touring 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I SV 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I Touring 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| 6 I Touring Plus 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| 6 I Touring Plus 4-Dr Sedan | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| 6 I Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Touring Plus 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Grand Touring 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can affect coverage prices considerably.
Based on this data, using a $100 deductible costs roughly $47 more each month or $564 every year averaged for all 6 models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 19 months between claim filings, you would more than likely save some money if you choose the higher deductible. The numbers below show a better example of how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $149 |
| Average monthly premium for $1,000 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $47 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $47 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
The diagram below highlights how deductible choice and can influence Mazda 6 insurance premiums for different insured age categories. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
Auto insurance rates by gender and age
The information below shows the comparison of Mazda 6 insurance premiums for male and female drivers. The data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied.
Should you buy full coverage?
The chart below shows the comparison of Mazda 6 insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no claims, a clean driving record, $250 deductibles, single status, and no discounts are applied.
When to buy liability coverage only
There is no exact formula for excluding physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Mazda 6 book value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying the physical damage deductible. If you are paying over $800 a year to have full coverage, then you might want to think about dropping full coverage.
There are some situations where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Affordable rates on Mazda 6 insurance in Irvine with these discounts
Some companies don’t list every discount they offer very well, so the following is a list of both the well known as well as the least known credits available to you.
- Federal Employees – Simply working for the federal government may qualify for a discount when you quote Irvine auto insurance with select insurance companies.
- Smart Student Discounts – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Homeowners Savings – Owning your own home or condo may earn you a small savings because owning a home is proof of financial responsibility.
- Telematics Discount – Policyholders that allow their company to look at their driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they show good driving skills.
- Auto/Life Discount – Larger insurance companies have a break if you buy a life policy as well.
- Club Memberships – Being a member of certain professional organizations can get you a small discount on your policy.
- Responsible Driver Discount – Insureds who avoid accidents could pay up to 40% less than drivers with accidents.
You should keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you aren’t that lucky. Any amount of discount should help lower your premiums.
The chart below compares Mazda 6 auto insurance costs with and without some available policy discounts. The rates are based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, marriage, multi-policy, and multi-car discounts applied.
A few of the larger companies and a summarized list of policyholder discounts can be found below.
- Mercury Insurance may have discounts that include ease of repair, accident-free, type of vehicle, professional/association, and low natural disaster claims.
- Farmers Insurance has savings for mature driver, electronic funds transfer, distant student, multi-car, switch companies, alternative fuel, and bundle discounts.
- Farm Bureau may offer discounts for renewal discount, multi-vehicle, multi-policy, 55 and retired, and driver training.
- State Farm has discounts for safe vehicle, driver’s education, Steer Clear safe driver discount, defensive driving training, and good driver.
- Allstate offers discounts for anti-theft, good student, EZ pay plan discount, multi-policy, premier plus, and anti-lock brakes.
- GEICO offers discounts including driver training, seat belt use, federal employee, anti-lock brakes, good student, and air bags.
When getting a coverage quote, ask every company the best way to save money. Some discounts might not apply in Irvine. To see insurers who offer online Mazda 6 insurance quotes in California, click this link.