Mazda 6 Insurance Quotes in Jersey City

Insurance quote for Mazda 6 in Jersey CityHow many times have you told yourself to find low-cost Mazda 6 insurance in Jersey City? Have you finally had enough of scraping the payment together each month for car insurance? You are in the same boat as most other people in New Jersey.

Shocking but true, almost 70% of drivers have remained with the same car insurance company for four years or more, and roughly 40% of drivers have never compared rates to find lower-cost insurance. New Jersey drivers can cut their rates by nearly 40% a year just by comparing rates, but they underestimate the amount of savings they would get if they just switched companies. Since you have so many companies and agents to choose from, it can be hard to locate a lower cost car insurance provider.

Finding the cheapest car insurance coverage in Jersey City is not that difficult as long as you know where to start. If you are paying for car insurance now, you will definitely be able to shop for the lowest rates using the ideas presented in this article. Vehicle owners just need to know the least time-consuming way to compare prices from many companies at once.

The best way we recommend to compare rates for Mazda 6 insurance in Jersey City is to realize most insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is give the companies some data like what you do for a living, whether you are married, deductibles desired, and whether you drive to work or school. The data is submitted instantly to many highly-rated insurers and they return quotes immediately.

To start a rate quote now, click here and find out if you can get cheaper insurance in Jersey City.

The following companies are our best choices to provide comparison quotes in New Jersey. If you want the best auto insurance in Jersey City, we recommend you compare several of them in order to get a fair rate comparison.

Earn discounts on Jersey City insurance

Car insurance is not cheap, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied when you quote, but a few must be manually applied before being credited.Insurance discounts

A quick disclaimer, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

The example below illustrates the comparison of Mazda 6 insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, no violations or claims, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

A list of insurance companies and their possible discounts include:

If you want cheaper Jersey City auto insurance quotes, ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area. To see insurers that offer multiple discounts in Jersey City, follow this link.

Mazda 6 insurance rates and statistics

The rate information below showcases a range of insurance costs for Mazda 6 models. Understanding more about how insurance prices are formulated can be useful when making decisions when choosing a new policy provider.

Mazda 6 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $176 $326 $452 $26 $136 $1,116 $93
6 I SV 4-Dr Sedan $176 $326 $452 $26 $136 $1,116 $93
6 I Touring 4-Dr Sedan $176 $326 $452 $26 $136 $1,116 $93
6 I Touring Plus 4-Dr Sedan $200 $326 $452 $26 $136 $1,140 $95
6 I Touring Plus 4-Dr Sedan $200 $326 $452 $26 $136 $1,140 $95
6 I Grand Touring 4-Dr Sedan $200 $384 $452 $26 $136 $1,198 $100
6 S Touring Plus 6 Cyl 4-Dr Sedan $200 $384 $452 $26 $136 $1,198 $100
6 S Touring Plus 4-Dr Sedan $200 $384 $452 $26 $136 $1,198 $100
6 S Grand Touring 4-Dr Sedan $200 $384 $452 $26 $136 $1,198 $100
6 S Grand Touring 6 Cyl 4-Dr Sedan $200 $384 $452 $26 $136 $1,198 $100
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in your specific Jersey City location which can modify price quotes substantially.

Comparison of policy deductibles

A question often asked by Jersey City drivers is which deductibles should you choose. The comparisons below can help show the differences in premium rates between low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible and the second price grid uses a $500 deductible.

Mazda 6 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $414 $746 $480 $28 $144 $1,837 $153
6 I SV 4-Dr Sedan $414 $746 $480 $28 $144 $1,837 $153
6 I Touring 4-Dr Sedan $414 $746 $480 $28 $144 $1,837 $153
6 I Touring Plus 4-Dr Sedan $466 $746 $480 $28 $144 $1,889 $157
6 I Touring Plus 4-Dr Sedan $466 $746 $480 $28 $144 $1,889 $157
6 I Grand Touring 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
6 S Touring Plus 6 Cyl 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
6 S Touring Plus 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
6 S Grand Touring 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
6 S Grand Touring 6 Cyl 4-Dr Sedan $466 $880 $480 $28 $144 $2,023 $169
Get Your Own Custom Quote Go

Mazda 6 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $302 $504 $480 $28 $144 $1,458 $122
6 I SV 4-Dr Sedan $302 $504 $480 $28 $144 $1,458 $122
6 I Touring 4-Dr Sedan $302 $504 $480 $28 $144 $1,458 $122
6 I Touring Plus 4-Dr Sedan $340 $504 $480 $28 $144 $1,496 $125
6 I Touring Plus 4-Dr Sedan $340 $504 $480 $28 $144 $1,496 $125
6 I Grand Touring 4-Dr Sedan $340 $594 $480 $28 $144 $1,586 $132
6 S Touring Plus 6 Cyl 4-Dr Sedan $340 $594 $480 $28 $144 $1,586 $132
6 S Touring Plus 4-Dr Sedan $340 $594 $480 $28 $144 $1,586 $132
6 S Grand Touring 4-Dr Sedan $340 $594 $480 $28 $144 $1,586 $132
6 S Grand Touring 6 Cyl 4-Dr Sedan $340 $594 $480 $28 $144 $1,586 $132
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific zip code location which can affect coverage prices considerably.

We can estimate from the data above that using a $100 deductible will cost you about $34 more each month or $408 a year than selecting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 12 months between claim filings, you would save money by selecting a higher deductible. The table below illustrates a better example of how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $162
Average monthly premium for $500 deductibles (subtract): – $128
Monthly savings from raising deductible: $34
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $34
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 a higher deductible means you will have to pay more out-of-pocket at claim time. You must have some extra savings in order to pay more to get your vehicle repaired.

The chart below demonstrates how deductibles and can impact Mazda 6 premium costs for different age groups of insureds. The rates are based on a single female driver, comp and collision included, and no discounts are applied.

You may need advice from an agent

Many people just prefer to talk to an insurance agent and that can be a great decision Good agents can help you build your policy and help submit paperwork. The biggest benefit of comparing insurance prices online is you can get better rates and still have an agent to talk to.

Insurance agency in Jersey CityTo find an agent, once you fill out this quick form, your insurance coverage information is sent to local insurance agents who can give free rate quotes to get your business. You won’t even need to contact an agency since price quotes are sent to you instantly. If for some reason you want to get a price quote from a specific car insurance provider, just go to their quote page and fill out their quote form.

Choosing the best company requires more thought than just the premium amount. Some important questions to ask are:

Pick the best auto insurance agent in Jersey City for you

If you prefer to buy car insurance from local Jersey City agents, it’s important to understand the different types of agents and how they can service your needs differently. Car insurance policy providers can be classified as either independent agents or exclusive agents depending on their employer. Either one can sell car insurance policies, but it’s worth learning the difference in how they write coverage since it can impact the type of agent you choose.

Exclusive Insurance Agencies

These agents generally can only insure with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare rates from other companies so they have to upsell other benefits. They are usually well trained on their company’s products which helps them sell insurance even at higher premiums.

Below are exclusive insurance agents in Jersey City who can help you get price quote information.

2770 John F Kennedy Blvd, FL-1Jersey City, NJ 07306(201) 653-1770View Map

1025 Summit AveJersey City, NJ 07307(201) 604-3874View Map

844 Bergen AveJersey City, NJ 07306(201) 332-6999View Map

View more Jersey City agents

Independent Agents

These agents are not employed by one company so they can quote policies through many different car insurance companies and find the cheapest rate. If your premiums go up, an independent agent can move your coverage and you stay with the same agent.

When comparing car insurance prices, you will definitely want to include several independent agencies so that you have a good selection of quotes to compare.

Listed below are independent insurance agents in Jersey City who can help you get comparison quotes.

155 Martin Luther King Dr BJersey City, NJ 07305(201) 451-3200View Map

MHM Insurance
243 Central Ave # 1Jersey City, NJ 07307(201) 721-6081View Map

ABL Insurance Services
910 Bergen Ave # 307Jersey City, NJ 07306(201) 222-1314View Map

View more Jersey City agents

Upon getting reasonable responses to any questions you may have in addition to an acceptable price estimate, you’ve probably found an insurance agent that is reputable and can insure your vehicles.

How Insurers Calculate Mazda 6 Insurance Premiums

When buying auto insurance it’s important to understand the rating factors that help determine your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that can help you get much lower annual insurance costs. Many factors are used when quoting car insurance. Most are fairly basic like a motor vehicle report, but other criteria are more obscure like your vehicle usage or your financial responsibility.

The items below are most of the major factors auto insurance companies consider when setting rates.

Insuring your vehicle just makes sense

Even though it can be expensive, insuring your vehicle may not be optional for several reasons.

The benefits of buying insurance more than cancel out the cost, especially if you ever need it. The average driver in New Jersey is currently overpaying as much as $869 every year so compare rates at every renewal to save money.

A conclusion for your auto insurance search

When getting Jersey City auto insurance quotes online, never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed collision coverage and discovered at claim time they didn’t have enough coverage. Your objective should be to get the best coverage possible for the lowest price, not the least amount of coverage.

We just covered a lot of tips how to reduce Mazda 6 insurance car insurance rates online in Jersey City. The key thing to remember is the more you quote Jersey City auto insurance, the better your comparison will be. Consumers may even find the best price on auto insurance is with the smaller companies. They may only write in your state and offer lower premium rates compared to the large companies like Allstate and Progressive.

There are still a few companies who do not provide rate quotes online and these small, regional companies only sell through independent agents. More affordable auto insurance in Jersey City can be found online as well as from independent agents in Jersey City, and you should compare rates from both to have the best rate selection.

How to save on Mazda 6 insurance in Jersey City

If your goal is the lowest price, then the best way to find cheaper quotes for auto insurance rates is to compare quotes once a year from different companies that insure vehicles in Jersey City. You can shop around by following these guidelines.

The most important part of shopping around is to make sure you’re comparing similar limits and deductibles on every price quote and and to get price estimates from as many car insurance companies as possible. This provides a fair rate comparison and the best price selection.

Additional auto insurance information can be found at the links below