It’s an obvious conclusion that insurance companies want to keep you from shopping around. People who shop around for the cheapest rate will presumably switch companies because they stand a good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that people who make a habit of shopping around saved $3,500 over four years as compared to drivers who never shopped for cheaper rates.
If finding the cheapest rates on insurance is the reason for your visit, then learning a little about how to shop for cheaper coverage can help simplify the process.
If your goal is the lowest price, then the best way to get more affordable auto insurance rates in San Jose is to start doing an annual price comparison from different companies who can sell car insurance in California. This can be done by following these guidelines.
- Step 1: Get an understanding of how insurance works and the steps you can take to lower rates. Many factors that drive up the price such as tickets, at-fault accidents, and a less-than-favorable credit rating can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover tips to prevent high prices and get additional discounts that may have been overlooked.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates for a wide range of insurance providers.
- Step 3: Compare the new quotes to your current policy to determine if you can save on 6 insurance in San Jose. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.
- Step 4: Provide proper notification to your current company to cancel your current car insurance policy. Submit any necessary down payment along with the completed application to your new agent or company. As soon as you can, store the certificate verifying proof of insurance with your vehicle’s registration.
An important part of this process is that you’ll want to make sure you compare the same amount of coverage on every quote and and to analyze as many companies as feasibly possible. Doing this ensures an accurate price comparison and the most accurate and complete price analysis.
Buying the cheapest car insurance in San Jose is quite easy if you know the best way to do it. If you already have coverage, you will be able to find better prices using the techniques covered below. Smart shoppers only need to know the tricks to shop using one simple form.
How to shop Mazda 6 insurance online
The auto insurance companies shown below provide quotes in San Jose, CA. If several companies are displayed, we recommend you visit several of them to find the lowest auto insurance rates.
Get cheaper Mazda 6 insurance in San Jose with discounts
Insuring your fleet can be pricey, but there could be significant discounts that can help lower your rates. Some of these discounts will be visible at the time you complete a quote, but a few need to be asked about before you get the savings.
- Savings for New Vehicles – Buying a new car model can save you some money because new model year vehicles keep occupants safer.
- Sign Online – A few larger online companies will give you a small discount shop San Jose car insurance on your computer.
- College Student – Youth drivers who live away from home at college without a vehicle on campus can be insured at a reduced rate.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
- Accident Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on San Jose car insurance quote as compared to frequent claim filers.
- Auto/Home Discount – If you have multiple policies with one insurance company you could earn a discount of 10% to 20% off each policy.
- Professional Organizations – Having an affiliation with a professional or civic organization could earn you a nice discount when shopping for insurance.
- Discounts for Good Drivers – Drivers who don’t get into accidents can save up to 40% or more on their San Jose car insurance quote than drivers with accident claims.
- Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Drivers should understand that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
The diagram below compares Mazda 6 auto insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, claim-free, safe-driver, and homeowner discounts applied.
A partial list of companies that possibly offer these benefits include:
It’s a good idea to ask all the companies the best way to save money. All car insurance discounts might not be available to policyholders in every state.
Mazda 6 detailed coverage information
The data table below outlines estimates of insurance costs for Mazda 6 models. Being aware of how insurance quotes are figured can help customers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $310 | $530 | $456 | $26 | $136 | $1,458 | $122 |
| 6 I SV 4-Dr Sedan | $310 | $530 | $456 | $26 | $136 | $1,458 | $122 |
| 6 I Touring 4-Dr Sedan | $310 | $530 | $456 | $26 | $136 | $1,458 | $122 |
| 6 I Touring Plus 4-Dr Sedan | $350 | $530 | $456 | $26 | $136 | $1,498 | $125 |
| 6 I Touring Plus 4-Dr Sedan | $350 | $530 | $456 | $26 | $136 | $1,498 | $125 |
| 6 I Grand Touring 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| 6 S Touring Plus 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| 6 S Grand Touring 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $350 | $624 | $456 | $26 | $136 | $1,592 | $133 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific location information which can impact coverage rates greatly.
Analysis of deductible levels
One common question asked by San Jose drivers is which comprehensive and collision deductibles to buy. The figures shown below can help you understand how much more you’ll pay when you buy lower versus higher policy deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second pricing table uses a $500 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 | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I SV 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I Touring 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| 6 I Touring Plus 4-Dr Sedan | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| 6 I Touring Plus 4-Dr Sedan | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| 6 I Grand Touring 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Touring Plus 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Grand Touring 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in garaging location in San Jose which can affect premium rates considerably.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $31 more each month or $372 annually than selecting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have more than 13 months between claim filings, you would probably be better off if you choose the higher deductible.
Annual premiums for males compared to females in San Jose
The example below compares Mazda 6 insurance costs for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Liability only or full coverage
The information below compares Mazda 6 auto insurance rates with and without full coverage. The data assumes no violations or accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to stop buying physical damage coverage
There isn’t a steadfast formula to delete physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s pretend your Mazda 6 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after you pay the deductible. If it’s costing you more than $200 annually to have full coverage, then you might want to think about dropping full coverage.
There are some scenarios where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Shop online but buy locally
Some consumers just prefer to talk to a local agent and we recommend doing that Professional insurance agents are highly skilled in risk management and will help you if you have claims. An additional benefit of comparing auto insurance online is that you can find cheap auto insurance quotes and still choose a local agent.
To help locate an agent, after submitting this quick form, your coverage information is sent to local insurance agents in San Jose who will return price quotes for your insurance coverage. You won’t need to contact any agents because quoted prices will be sent straight to your inbox. If you need to get a comparison quote from a specific company, you just need to jump over to their website and give them your coverage information.
Deciding on an company requires you to look at more than just the quoted price. Any agent in San Jose should be forthright in answering these questions:
- Do they offer accident forgiveness?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the company have a local claim office in San Jose?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they able to influence company decisions when a claim is filed?
- How many years of experience in personal auto insurance do they have?
After receiving good feedback to any questions you have as well as a affordable price, you may have found an insurance company that is professional and can properly insure your vehicles.
There’s no such thing as the perfect auto insurance policy
When it comes to buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Your needs are unique to you so this has to be addressed.
For instance, these questions may help highlight if your insurance needs will benefit from professional help.
- What does UM/UIM cover?
- Can I afford to pay high deductible claims out of pocket?
- Is a blown tire covered by insurance?
- Can my babysitter drive my car?
- What is no-fault insurance?
- I don’t drive much so do I pay less?
- Is extra glass coverage worth it?
- What is the premium to book value ratio for dropping full coverage?
- Is my camper covered for physical damage?
If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Why Your Insurance Prices might be higher
Consumers need to have an understanding of a few of the rating criteria that are used to determine the rates you pay for insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get cheaper rates.
Listed below are a partial list of the pieces that factor into prices.
- High credit history translates to low costs – Your credit history can be an important factor in determining your rates. Therefore, if your credit history could use some work, you may save money insuring your Mazda 6 by improving your credit score. Drivers with excellent credit tend to be less risk to insure as compared to drivers with poor credit scores.
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Premiums are high for teenagers – Mature drivers are more cautious drivers, file fewer claims, and are generally more financially stable. Teen drivers have been known to be inattentive and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.
The chart below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
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Tickets drive up premiums – Good drivers tend to pay less for car insurance compared to drivers with tickets. Having a single chargeable violation may increase your cost forty percent or more. Drivers who have received careless tickets such as DUI or willful reckless driving are required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
The information below illustrates how violations and at-fault accidents can influence Mazda 6 auto insurance rates for each different age group. The costs are based on a married male driver, full coverage, $100 deductibles, and no other discounts are factored in.
- How much liability protection do you need? – Liability coverage will afford coverage in the event that a court rules you are at fault for an accident. Your liability coverage provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not skimp.
- Alarm systems lowers premiums – Owning a car with a theft deterrent system can earn a premium discount. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
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Insurance loss data for a Mazda 6 – Car insurance companies use data from past claims to help determine rates. Models that are shown to have a trend towards higher claims will cost more for coverage.
The table below shows the actual insurance loss data for Mazda 6 vehicles. For each type of coverage, the loss probability for all vehicles, regardless of make or model, is equal to 100. Values that are under 100 mean the vehicle has better than average losses, while percentages above 100 indicate a higher chance of having a claim or statistically larger losses.
Insurance Loss Ratings for Mazda 6 Vehicles Vehicle 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
Why you need to buy car insurance
Despite the fact that car insurance is not cheap in San Jose, paying for car insurance may be mandatory for several reasons.
- Almost all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance coverage in order to license the vehicle. 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.
- If your vehicle has a loan, more than likely the lender will stipulate that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Mazda for a lot more money and force you to reimburse them for the expensive policy.
- Car insurance protects not only your Mazda 6 but also your assets. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses in the event you are sued. If your Mazda gets damaged, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your car greatly outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in California is overpaying more than $869 every year so compare rates once a year at a minimum to be sure current rates are still competitive.
Quote more to save more
We just presented some good ideas how you can find affordable Mazda 6 insurance in San Jose. It’s most important to understand that the more you quote San Jose car insurance, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates are with an unexpected company. They can often provide lower prices in certain areas than their larger competitors like State Farm and Allstate.
When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your aim should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.
The cheapest Mazda 6 insurance in San Jose can be found both online and with local San Jose insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don’t offer internet price quotes and usually these regional insurance providers prefer to sell through local independent agencies.
Additional detailed information is located at these sites:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- How Much are Car Insurance Quotes for a Nissan Versa in San Jose? (FAQ)
- How Much are Auto Insurance Quotes for College Students in San Jose? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers with a Bad Driving Record in San Jose? (FAQ)
- What Car Insurance is Cheapest for a Toyota Tundra in San Jose? (FAQ)
- Who Has Affordable San Jose Auto Insurance for Ride Shares? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)