Are you researching cheaper Mazda 6 insurance in Corpus Christi? Have you had enough of not being able to scrape enough together to buy car insurance? You have the same problem as many other drivers in Texas.
Everyone knows that insurance companies don’t want you to look at other companies. Drivers who shop rates annually will, in all likelihood, move their business because the odds are good of finding a more affordable policy. Remarkably, a study showed that people who compared rates annually saved as much as $70 a month compared to people who never compared other company’s rates.
If finding budget-friendly rates on insurance is the reason you’re reading this, understanding how to quote and compare car insurance can help you be more efficient.
Steps to finding lower priced Mazda 6 insurance in Corpus Christi
If saving the most money is your goal, then the best way to quote cheaper auto insurance rates in Corpus Christi is to start comparing rates regularly from different companies who sell insurance in Texas. You can compare rates by following these guidelines.
First, read and learn about the coverage provided by your policy and the modifications you can make to keep rates in check. Many rating criteria that result in higher prices like distracted driving and a bad credit score can be remedied by paying attention to minor details. This article provides additional ideas to keep prices down and find additional discounts.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can quote prices for many different companies. Start a quote
Third, compare the new rates to your existing coverage to see if a cheaper rate is available in Corpus Christi. If you find a lower rate quote, ensure coverage does not lapse between policies.
One thing to point out is to try to compare the same liability limits and deductibles on each quote request and and to analyze as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and a good representation of prices.
Due to the fact that there are so many online and local companies to choose from, it can be impossible to locate the most affordable insurer.
You should take the time to get comparison quotes every six months due to the fact that insurance prices change frequently. Just because you found the best price on Mazda 6 insurance in Corpus Christi on your last policy other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to find out the right way to eliminate unnecessary coverages and save money on Mazda 6 insurance in Corpus Christi.
How to buy Mazda 6 insurance online
All major auto insurance companies provide coverage price quotes online. Getting online rates for Mazda 6 insurance in Corpus Christi can be done by anyone as you just type in the coverage amounts you desire on the page. When complete, their system automatically orders your driving record and credit report and returns a price quote based on these factors. This streamlines rate comparisons, and it’s necessary to have as many quotes as possible in order to get the lowest payment on auto insurance.
If you want to find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you input your coverages exactly as they are listed on your policy. This helps ensure you will get a fair comparison using the exact same coverages.
The companies shown below have been selected to offer free quotes in Texas. To locate cheap car insurance in Corpus Christi, TX, we recommend you visit as many as you can in order to get a fair rate comparison.
Three good reasons to insure your Mazda 6
Despite the high insurance cost for a Mazda 6 in Corpus Christi, insuring your vehicle is required in Texas but it also protects you in many ways.
- Just about all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your 6, almost all lenders will force you to carry insurance to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Mazda at a much higher rate and require you to pay a much higher amount than you were paying before.
- Insurance safeguards not only your vehicle but also your assets. It also can pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. According to a recent study, the average American driver is currently overpaying as much as $800 each year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.
Car insurance statistics and figures
The rate information displayed next highlights estimates of coverage prices for Mazda 6 models. Learning a little about how auto insurance policy rates are formulated can benefit drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $208 | $312 | $500 | $30 | $150 | $1,200 | $100 |
| 6 I SV 4-Dr Sedan | $208 | $312 | $500 | $30 | $150 | $1,200 | $100 |
| 6 I Touring 4-Dr Sedan | $208 | $312 | $500 | $30 | $150 | $1,200 | $100 |
| 6 I Touring Plus 4-Dr Sedan | $234 | $312 | $500 | $30 | $150 | $1,226 | $102 |
| 6 I Touring Plus 4-Dr Sedan | $234 | $312 | $500 | $30 | $150 | $1,226 | $102 |
| 6 I Grand Touring 4-Dr Sedan | $234 | $368 | $500 | $30 | $150 | $1,282 | $107 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $234 | $368 | $500 | $30 | $150 | $1,282 | $107 |
| 6 S Touring Plus 4-Dr Sedan | $234 | $368 | $500 | $30 | $150 | $1,282 | $107 |
| 6 S Grand Touring 4-Dr Sedan | $234 | $368 | $500 | $30 | $150 | $1,282 | $107 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $234 | $368 | $500 | $30 | $150 | $1,282 | $107 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in vehicle location which can increase or decrease coverage prices noticeably.
Policy deductible comparison
One frequently asked question is how high should the physical damage deductibles be. The premium rates below determine the difference in cost between high and low physical damage coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| 6 I SV 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| 6 I Touring 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| 6 I Touring Plus 4-Dr Sedan | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| 6 I Touring Plus 4-Dr Sedan | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| 6 I Grand Touring 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 6 S Touring Plus 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 6 S Grand Touring 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| 6 I SV 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| 6 I Touring 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| 6 I Touring Plus 4-Dr Sedan | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| 6 I Touring Plus 4-Dr Sedan | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| 6 I Grand Touring 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 6 S Touring Plus 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 6 S Grand Touring 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate quotes do not factor in vehicle garaging location which can alter rates considerably.
Based on this data, using a $250 deductible will cost you about $29 more each month or $348 annually than buying the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 26 months between claim filings, you would more than likely save some money if you choose the higher deductible. Below is a better example of how this determination is made.
| Average monthly premium for $250 deductibles: | $117 |
| Average monthly premium for $1,000 deductibles (subtract): | – $88 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
One important issue to know is that a higher deductible level means you will have to cover more of the damage yourself if you have a claim. You need to have enough money put aside in order to pay the higher deductible in order to repair your vehicle.
The illustration below illustrates how your deductible choice and can affect Mazda 6 annual premium costs for each different age category. The premiums are based on a married female driver, full physical damage coverage, and no discounts are applied.
Mazda 6 liability rates compared to full coverage
The information below shows the comparison of Mazda 6 insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Texas. Data assumes no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no other discounts are factored in.
When to switch to liability coverage only
There isn’t a written rule that works best for making the decision to drop physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s assume your Mazda 6 replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after you pay the deductible. If you are paying in excess of $400 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where eliminating full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Mazda 6 insurance discounts in Corpus Christi
Auto insurance companies don’t list every available discount very clearly, so here is a list a few of the more common and also the lesser-known credits available to lower your premiums when you buy Corpus Christi auto insurance online.
- No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared with drivers who are more careless.
- Distant Student Discount – Older children who attend college more than 100 miles from Corpus Christi and leave their car at home could get you a discount.
- Accident Waiver – Not necessarily a discount, but certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
- Safety Restraint Discount – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Defensive Driver Discount – Successfully completing a course in safe driver could save 5% or more and easily pay for the cost of the class.
- Paper-free Discount – Some of the larger companies will give you a small discount for completing your application on the web.
You should keep in mind that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will definitely reduce the amount you have to pay.
The illustration below shows the difference between Mazda 6 insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, claim-free, and multi-policy discounts applied.
The best auto insurance companies and their possible discounts include:
- State Farm offers discounts for multiple autos, multiple policy, safe vehicle, Steer Clear safe driver discount, and student away at school.
- Nationwide may include discounts for good student, business or organization, Farm Bureau membership, multi-policy, easy pay, family plan, and anti-theft.
- GEICO offers discounts including daytime running lights, military active duty, multi-policy, defensive driver, anti-theft, and seat belt use.
- AAA policyholders can earn discounts including good student, pay-in-full, multi-policy, multi-car, good driver, and AAA membership discount.
- 21st Century offers premium reductions for defensive driver, automatic seat belts, early bird, student driver, teen driver, theft prevention, and 55 and older.
- The Hartford discounts include good student, vehicle fuel type, bundle, anti-theft, defensive driver, and air bag.
Double check with every company the best way to save money. Depending on the company, some discounts might not be available to policyholders in Corpus Christi.
Independent or exclusive car insurance agents
A lot of people prefer to talk to an insurance agent and doing so can bring peace of mind One of the benefits of comparing rates online is the fact that you can find cheap rate quotes and still buy from a local agent.
Upon completion of this simple form, your coverage information is instantly submitted to agents in your area who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent on your own because prices are sent to you. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to compare prices from a specific auto insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
Picking the best company shouldn’t rely on just a cheap price quote. The questions below may impact your decision as well.
- Are they able to influence company decisions when a claim is filed?
- Are they primarily personal or commercial lines agents in Corpus Christi?
- Which companies can they place coverage with?
- Can they provide you with a list of referrals?
- Will high miles depreciate repair valuations?
- If you raise deductibles, how much can you save?
- How long have they worked with personal auto insurance coverage?
Pick the best car insurance agent in Corpus Christi for you
If you want to buy auto insurance from a local Corpus Christi insurance agent, you should know the types of insurance agents and how they operate. Agencies in Corpus Christi can be classified as either exclusive agents or independent agents.
Exclusive Auto Insurance Agents
These type of agents write business for a single company and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their company’s products which can be an advantage.
The following are exclusive insurance agencies in Corpus Christi willing to provide price quote information.
Francisco Aguilar – State Farm Insurance Agent
5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242 – View Map
Gene McWhorter – State Farm Insurance Agent
14101 Northwest Blvd #103 – Corpus Christi, TX 78410 – (361) 767-0750 – View Map
Joely DelVecchio – State Farm Insurance Agent
525 Glazebrook St c – Corpus Christi, TX 78404 – (361) 906-2886 – View Map
Independent Insurance Agents
Agents that elect to be independent often have many company appointments and that enables them to quote your coverage with any number of different companies and get the cheapest rates. If you want to switch companies, an independent agent can move your coverage and you don’t have to find a new agent.
If you are comparing rate quotes, we recommend you compare quotes from a few independent agents so that you have a good selection of quotes to compare.
The following is a short list of independent insurance agents in Corpus Christi that are able to give rate quotes.
Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543 – View Map
Crawford Insurance
5262 S Staples St # 300 – Corpus Christi, TX 78411 – (361) 654-2788 – View Map
Reed Insurance Agency
6500 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 994-1886 – View Map
Everyone needs different insurance coverages
When quoting and choosing coverage online or from an agent for your vehicles, there is no perfect coverage plan. Every insured’s situation is different.
For example, these questions can aid in determining if your situation may require specific advice.
- Am I covered by my spouse’s policy after a separation?
- What policy terms are available?
- Am I covered when using my vehicle for business?
- Do I need replacement cost coverage?
- Does car insurance cover theft of personal property?
- Do I really need UM/UIM coverage?
- Is pleasure use cheaper than using my Mazda 6 to commute?
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.
Don’t give up on affordable rates
Consumers switch companies for a variety of reasons including lack of trust in their agent, questionable increases in premium, an unsatisfactory settlement offer and poor customer service. No matter why you want to switch, switching car insurance companies can be easier than you think.
Cheaper Mazda 6 insurance in Corpus Christi can be found on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and usually these smaller providers only sell through independent agencies.
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. In many cases, an insured cut liability limits or collision coverage only to regret at claim time that they should have had better coverage. The goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Steps to finding lower priced Mazda 6 insurance in Corpus Christi
If you want to save the most money, the best way to save on Mazda 6 insurance is to do a yearly price comparison from insurance carriers who sell auto insurance in Corpus Christi. You can shop around by following these steps.
- First, take a few minutes and learn about policy coverages and the modifications you can make to keep rates low. Many rating factors that increase rates like traffic violations, accidents, and poor credit history can be remedied by paying attention to minor details.
- Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote prices for a wide range of companies. View prices
- Third, compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a better price and switch companies, verify that coverage does not lapse between policies.
- Fourth, notify your company or agent to cancel your current auto insurance policy. Submit payment and a completed application to the new company. Once the application is submitted, place your new certificate verifying coverage in a readily accessible location in your vehicle.
A good piece of advice is to use the same coverage limits and deductibles on each price quote and and to get price estimates from as many companies as you can. This enables an accurate price comparison and the best rate selection.
Other resources
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for Young Drivers in Corpus Christi? (FAQ)
- Who Has the Cheapest Corpus Christi Auto Insurance for Police Officers? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Toyota Corolla in Corpus Christi? (FAQ)
- What Insurance is Cheapest for a Toyota Tacoma in Corpus Christi? (FAQ)
- Auto Insurance 101 (About.com)
- Information for Teen Drivers (GEICO)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)