Cheapest Insurance for a Mazda 6 in New Orleans

Insurance for Mazda 6Astonishing but true, about 70% of customers kept their policy with the same company for more than four years, and almost 40% of drivers have never shopped around. With the average premium in Louisiana being $2,860, drivers could cut their rates by up to 35% a year just by getting comparison quotes, but they feel it’s too difficult to go online and compare rates.

If you want to save money, the best way to get discount Mazda 6 insurance is to make a habit of regularly comparing prices from insurers who sell auto insurance in New Orleans.

  1. Try to learn a little about individual coverages and the measures you can take to prevent expensive coverage. Many rating criteria that result in higher prices such as inattentive driving and a not-so-good credit score can be controlled by making minor changes to your lifestyle.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide price quotes from many different companies.
  3. Compare the new rates to your existing coverage and see if you can save money. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.

One piece of advice is to use identical deductibles and limits on each quote request and and to look at every insurance company. Doing this guarantees the most accurate price comparison and a thorough price selection.

If you have insurance now, you will surely be able to shop for the lowest rates using the techniques presented in this article. Buying the cheapest insurance in New Orleans is not rocket science. Nevertheless, Louisiana car owners do need to know how the larger insurance companies sell online because rates are impacted by many factors.

To find low cost New Orleans car insurance quotes, there are several ways of comparing price quotes from lots of Louisiana insurance companies. One of the best ways to find cheaper Mazda 6 rates involves getting comparison quotes online.

It’s so easy to compare quotes online that it takes the place of having to go to and from local New Orleans insurance agencies. The ability to get quotes online eliminates the need for an insurance agent unless you require the professional abilities of a local agency. It is possible to compare online quotes and still use a local agent. When comparing insurance rates, know that getting more free quotes helps increase your odds of locating the best offered rates.

The companies shown below are our best choices to provide price quotes in Louisiana. If you want to find the best auto insurance in Louisiana, we suggest you visit as many as you can to get the best price comparison.

New Orleans auto insurance discounts

Some insurance providers do not list every available discount very well, so the next list breaks down both the well known and the harder-to-find credits available to you.Discount auto insurance

One last thing about discounts, some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The chart below illustrates the difference between Mazda 6 insurance prices with and without discounts applied to the rates. The premiums assume a male driver, no violations or claims, Louisiana state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, safe-driver, claim-free, and homeowner discounts applied.

A list of companies and a selection of discounts are included below.

If you are trying to find affordable Mazda 6 insurance quotes, ask all companies you are considering which credits you are entitled to. Discounts may not be offered in New Orleans. For a list of auto insurance companies that offer some of these discounts in New Orleans, click here.

Mazda 6 insurance charts and tables

The data table below outlines different insurance policy prices for Mazda 6 models. Having knowledge of how insurance policy premiums are calculated can aid in making decisions on which insurance to purchase.

Mazda 6 Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $266 $448 $478 $28 $144 $1,364 $114
6 I SV 4-Dr Sedan $266 $448 $478 $28 $144 $1,364 $114
6 I Touring 4-Dr Sedan $266 $448 $478 $28 $144 $1,364 $114
6 I Touring Plus 4-Dr Sedan $300 $448 $478 $28 $144 $1,398 $117
6 I Touring Plus 4-Dr Sedan $300 $448 $478 $28 $144 $1,398 $117
6 I Grand Touring 4-Dr Sedan $300 $528 $478 $28 $144 $1,478 $123
6 S Touring Plus 6 Cyl 4-Dr Sedan $300 $528 $478 $28 $144 $1,478 $123
6 S Touring Plus 4-Dr Sedan $300 $528 $478 $28 $144 $1,478 $123
6 S Grand Touring 4-Dr Sedan $300 $528 $478 $28 $144 $1,478 $123
6 S Grand Touring 6 Cyl 4-Dr Sedan $300 $528 $478 $28 $144 $1,478 $123
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates greatly.

Insurance deductibles

One of the most common insurance questions is which deductible level should you buy. The premium rates below determine the differences in premium rates when you select higher and lower insurance deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Mazda 6 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $400 $722 $464 $28 $140 $1,779 $148
6 I SV 4-Dr Sedan $400 $722 $464 $28 $140 $1,779 $148
6 I Touring 4-Dr Sedan $400 $722 $464 $28 $140 $1,779 $148
6 I Touring Plus 4-Dr Sedan $452 $722 $464 $28 $140 $1,831 $153
6 I Touring Plus 4-Dr Sedan $452 $722 $464 $28 $140 $1,831 $153
6 I Grand Touring 4-Dr Sedan $452 $850 $464 $28 $140 $1,959 $163
6 S Touring Plus 6 Cyl 4-Dr Sedan $452 $850 $464 $28 $140 $1,959 $163
6 S Touring Plus 4-Dr Sedan $452 $850 $464 $28 $140 $1,959 $163
6 S Grand Touring 4-Dr Sedan $452 $850 $464 $28 $140 $1,959 $163
6 S Grand Touring 6 Cyl 4-Dr Sedan $452 $850 $464 $28 $140 $1,959 $163
Get Your Own Custom Quote Go

Mazda 6 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $292 $488 $464 $28 $140 $1,412 $118
6 I SV 4-Dr Sedan $292 $488 $464 $28 $140 $1,412 $118
6 I Touring 4-Dr Sedan $292 $488 $464 $28 $140 $1,412 $118
6 I Touring Plus 4-Dr Sedan $330 $488 $464 $28 $140 $1,450 $121
6 I Touring Plus 4-Dr Sedan $330 $488 $464 $28 $140 $1,450 $121
6 I Grand Touring 4-Dr Sedan $330 $574 $464 $28 $140 $1,536 $128
6 S Touring Plus 6 Cyl 4-Dr Sedan $330 $574 $464 $28 $140 $1,536 $128
6 S Touring Plus 4-Dr Sedan $330 $574 $464 $28 $140 $1,536 $128
6 S Grand Touring 4-Dr Sedan $330 $574 $464 $28 $140 $1,536 $128
6 S Grand Touring 6 Cyl 4-Dr Sedan $330 $574 $464 $28 $140 $1,536 $128
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium costs do not factor in your specific New Orleans location which can lower or raise coverage rates noticeably.

Based on the figures above, using a $100 deductible would cost the average driver about $33 more each month or $396 every year across all Mazda 6 models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 12 months between claims, you would come out ahead if you decide on a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $157
Average monthly premium for $500 deductibles (subtract): – $124
Monthly savings from raising deductible: $33
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

An important sidenote is that raising deductibles means you will have to pay more when you have a physical damage claim. That will force you to have some available funds in order to pay more to get your vehicle repaired.

The illustration below shows how different deductible levels and can raise or lower Mazda 6 yearly insurance costs for each different age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Cautious New Orleans drivers save money

The chart below highlights how speeding tickets and at-fault collisions influence Mazda 6 insurance premiums for different ages of insureds. Data assumes a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Do you need full coverage?

The chart below visualizes the comparison of Mazda 6 insurance costs when comparing full coverage to liability only. The prices are based on no claims or violations, $100 deductibles, single status, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive rule for phasing out physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Mazda 6 replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where removing full coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Compare rate quotes but work with a neighborhood New Orleans auto insurance agent

Some people just prefer to talk to an insurance agent and we recommend doing that The biggest benefit of price shopping on the web is you may find cheap car insurance quotes and still have an agent to talk to.

After filling out this simple form, your insurance data is immediately sent to companies in New Orleans who will gladly provide quotes to get your business. It’s much easier because you don’t need to visit any agencies because prices are sent immediately to your email address. Get lower rates AND a local agent. If for some reason you want to compare rates from a specific company, you can always visit that company’s website and fill out their quote form.

Finding the right provider shouldn’t rely on just the price. The following questions are important to ask.

How to choose the best auto insurance agent in New Orleans

If you want a local New Orleans insurance agency, it’s helpful to know the different types of agencies and how they function. Car insurance policy providers can be described as either exclusive or independent.

Exclusive Car Insurance Agents

Agents of this type can only provide pricing for a single company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot compare other company’s rates so you might not find the best rates. Exclusive agents are usually well trained on their products and sales techniques and that can be a competitive advantage.

Shown below are New Orleans exclusive insurance agencies who may provide you with comparison quotes.

4200 Canal St cNew Orleans, LA 70119(504) 488-0001View Map

701 Dante St cNew Orleans, LA 70118(504) 861-2700View Map

5555 Bullard Ave #104New Orleans, LA 70128(504) 247-9241View Map

More New Orleans agents

Independent Agents

These type of agents often have many company appointments so they have the ability to put coverage through many companies and find you the best rates. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. If you are trying to find cheaper rates, you need to get some free quotes from several independent agencies for maximum quote selection.

Shown below are New Orleans independent agencies that are able to give price quote information.

6003 Bullard Ave #6New Orleans, LA 70128(504) 517-8884View Map

2107 Soniat StNew Orleans, LA 70115(504) 899-8010View Map

145 Robert E Lee Blvd #202New Orleans, LA 70124(504) 486-7441View Map

More New Orleans agents

Upon receiving acceptable answers to any questions you may have as well as offering an affordable quote, most likely you have located an insurance agency that meets your needs to insure your vehicles.

Insurance coverages 101

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Auto collision coverage

Collision coverage covers damage to your 6 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible on your 6 to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses for rehabilitation expenses, nursing services, dental work and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Mazda 6.

Due to the fact that many Louisiana drivers only purchase the least amount of liability that is required (Louisiana limits are 15/30/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

Liability coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/25 that translate to a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles, legal defense fees, structural damage and court costs. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible. Louisiana state law requires minimum liability limits of 15/30/25 but it’s recommended drivers buy better liability coverage.

The next chart shows why the minimum limit may not be adequate.

One last note

When searching for inexpensive New Orleans car insurance quotes, you should never buy less coverage just to save a little money. In many instances, an insured dropped comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

Budget-friendly car insurance in New Orleans is available on the web and with local New Orleans insurance agents, so you need to quote New Orleans car insurance with both in order to have the best price selection to choose from. There are still a few companies who do not provide rate quotes online and these regional insurance providers prefer to sell through local independent agencies.

To learn more, link through to these articles: