If saving the most money is your goal, then the best way to get low-cost Mazda 6 insurance is to make a habit of comparing prices annually from insurers in Lincoln.
- Step 1: Gain an understanding of auto insurance and the things you can change to prevent high rates. Many factors that are responsible for high rates such as at-fault accidents, speeding tickets, and a bad credit score can be amended by making lifestyle changes or driving safer. Continue reading for the details to help prevent expensive coverage and get additional discounts that may have been overlooked.
- Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of companies. Click to view companies
- Step 3: Compare the price quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote, make sure there is no coverage gap between policies.
- Step 4: Provide adequate notice to your current company of your intention to cancel your current policy. Submit a completed policy application and payment to the new company. When you receive it, put the certificate of insurance in your vehicle.
One tip to remember is to try to compare the same amount of coverage on each quote request and and to get rate quotes from every insurance company. This helps ensure an apples-to-apples comparison and the best rate selection.
It’s amazing but over 70% of consumers kept their coverage with the same car insurance company for a minimum of four years, and almost half have never compared rate quotes at all. Drivers in the United States can save $859 each year just by getting comparison quotes, but most just don’t grasp the big savings they would realize if they changed companies.
Finding the cheapest insurance coverage in Lincoln is not that difficult as long as you know where to start. Basically, each driver who is looking for a better price on insurance will more than likely be able to reduce their rates. But Nebraska consumers can benefit from knowing the methods companies use to determine how much to charge and apply this information to your search.
You may qualify for discounts for Mazda 6 insurance in Lincoln
Auto insurance can be pricey, but you might be missing out on some discounts that can help lower your rates. Most are applied at the time of purchase, but occasionally some discounts must be asked about before being credited.
- Lower Rates for Military – Having an actively deployed family member could qualify you for better rates.
- Auto/Home Discount – If you insure your home and vehicles with one company you could save over 10 percent off each policy depending on the company.
- Fewer Miles Equal More Savings – Fewer annual miles on your Mazda can qualify you for lower rates on the low mileage vehicles.
- Federal Government Employee – Having worked for a branch of the government can save as much as 8% with a few auto insurance companies.
- Clubs and Organizations – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your bill.
- Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Lincoln car insurance quote.
Just know that most discount credits are not given to the whole policy. Most cut specific coverage prices like collision or personal injury protection. Even though it appears you could get a free auto insurance policy, you aren’t that lucky.
The diagram below illustrates the comparison of Mazda 6 car insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, no claims, a clean driving record, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, homeowner, and claim-free discounts applied.
A list of auto insurance companies and a partial list of their discounts are outlined below.
- GEICO may have discounts that include driver training, multi-policy, anti-lock brakes, five-year accident-free, air bags, and defensive driver.
- Travelers includes discounts for home ownership, new car, continuous insurance, early quote, and driver training.
- Nationwide discounts include good student, defensive driving, multi-policy, Farm Bureau membership, anti-theft, business or organization, and easy pay.
- Farmers Insurance may include discounts for electronic funds transfer, bundle discounts, good student, multi-car, switch companies, distant student, and mature driver.
- Esurance has savings for paid-in-full, claim free, defensive driver, good driver, and anti-theft.
- State Farm may offer discounts for safe vehicle, accident-free, multiple policy, defensive driving training, and good driver.
- Progressive offers premium reductions for multi-policy, online quote discount, multi-vehicle, good student, continuous coverage, and online signing.
- Mercury Insurance offers discounts including type of vehicle, multi-car, age of vehicle, low natural disaster claims, location of vehicle, good student, and multi-policy.
When comparing rates, check with all companies you are considering what discounts are available to you. A few discounts may not be available in Lincoln. To choose insurers that can offer you the previously mentioned discounts in Nebraska, click here.
Low cost Mazda 6 insurance prices in Lincoln, Nebraska
The majority of larger companies give prices directly from their websites. Comparing Mazda 6 insurance rates online is pretty painless as you just enter your required coverages as detailed in the form. After you submit the form their rating system automatically orders your driving record and credit report and returns pricing information determined by many factors.
This makes it a lot easier to compare rates and it’s absolutely necessary to get many rate quotes if you want to get the most affordable auto insurance rates.
To find out how much you can save on auto insurance, compare rate quotes from the providers shown below. To compare your current rates, we recommend you enter the insurance coverages just like they are on your policy. This guarantees you will have a fair comparison for exact coverage.
The companies in the list below are ready to provide quotes in Lincoln, NE. If multiple companies are listed, it’s highly recommended you get prices from several of them to get the most affordable price.
Statistics and details
The coverage table displayed next covers estimates of rate quotes for Mazda 6 models. Having a better idea how rate quotes are established can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| 6 I SV 4-Dr Sedan | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| 6 I Touring 4-Dr Sedan | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| 6 I Touring Plus 4-Dr Sedan | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| 6 I Touring Plus 4-Dr Sedan | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| 6 I Grand Touring 4-Dr Sedan | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| 6 S Touring Plus 4-Dr Sedan | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| 6 S Grand Touring 4-Dr Sedan | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in Lincoln location which can affect price quotes substantially.
Deductible analysis
When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The rates shown below may aid in understanding the rate differences of buying low and high comp and collision deductibles. The first price estimate table uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| 6 I SV 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| 6 I Touring 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| 6 I Touring Plus 4-Dr Sedan | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| 6 I Touring Plus 4-Dr Sedan | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| 6 I Grand Touring 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 6 S Touring Plus 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 6 S Grand Touring 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| 6 I SV 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| 6 I Touring 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| 6 I Touring Plus 4-Dr Sedan | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| 6 I Touring Plus 4-Dr Sedan | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| 6 I Grand Touring 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 6 S Touring Plus 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 6 S Grand Touring 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in specific Lincoln garaging location which can affect premiums noticeably.
Based on the above data, using a $100 deductible will cost you roughly $32 more each month or $384 every year across all Mazda 6 models than quoting 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 have at least 28 months between claims, you would probably save some money going with the higher deductible. The illustration below shows a better example of how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $102 |
| Average monthly premium for $1,000 deductibles (subtract): | – $70 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
One big caveat is that a higher deductible means you pay more out-of-pocket at claim time. You need to make sure you have enough extra savings in order to pay more for the deductible.
The information below demonstrates how deductibles and can change Mazda 6 insurance rates for different age groups. The price estimates are based on a single male driver, full coverage, and no discounts are factored in.
Gender-based car insurance rates by age
The chart below visualizes the comparison of Mazda 6 premium costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in.
Cost comparison with and without full coverage
The information below visualizes the comparison of Mazda 6 annual premium costs when comparing full coverage to state minimum liability only. The rates are based on no violations or claims, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop comp and collision
There is no clear-cut formula for phasing out full coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Mazda 6 claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If it’s costing in excess of $600 a year for physical damage coverage, then it could be time to drop full coverage.
There are a few situations where only buying liability is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.
Car insurance agents are trained to help
A small number of people would prefer to get advice from a local agent. The best thing about comparing car insurance online is that drivers can save money and get lower prices and also buy local.
To find an agent, once you fill out this quick form, your insurance data is transmitted to companies in Lincoln who will return price quotes and help you find cheaper coverage. You won’t even need to contact any insurance agencies since price quotes are sent to your email. Get lower rates AND a local agent. If you wish to compare rates for a specific company, feel free to jump over to their website to submit a rate quote request.
Finding the right company requires more thought than just the bottom line cost. The questions below may impact your decision as well.
- Does the agent have professional designations like CIC, CPCU or AIC?
- If you raise deductibles, how much can you save?
- Where would glass claims be handled in Lincoln?
- Do they specialize in personal lines coverage in Lincoln?
- Are they properly licensed to sell insurance in Nebraska?
- Can you contact them at any time?
- Are they able to provide referrals?
- Do they offer claims assistance after hours?
Listed below is a list of auto insurance companies in Lincoln that are able to give price quotes for Mazda 6 insurance in Lincoln.
- Nicole Simon – State Farm Insurance Agent
4400 S 70th St #130 – Lincoln, NE 68516 – (402) 483-4441 – View Map - Midwest Insurance Group
4333 S 48th St – Lincoln, NE 68516 – (402) 489-9595 – View Map - Jeff Munns Agency, Inc.
1617 Normandy Ct #102 – Lincoln, NE 68512 – (402) 436-2140 – View Map - State Farm® insurance – Dean R Hoy
3883 Normal Blvd – Lincoln, NE 68506 – (402) 489-7171 – View Map
Lincoln car insurance company ratings
Finding a highly-rated auto insurance provider can be a challenge considering how many companies provide coverage in Nebraska. The information in the next section may help you choose which auto insurers to look at comparing rates with.
Top 10 Lincoln Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
You can find cheap coverage
We’ve covered many tips how you can save on Mazda 6 insurance in Lincoln. It’s most important to understand that the more quotes you get, the better likelihood of getting affordable Mazda 6 insurance quotes. Consumers may even find the best price on car insurance is with a small local company.
Insureds leave their current company for a number of reasons such as unfair underwriting practices, lack of trust in their agent, delays in responding to claim requests and questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.
More affordable car insurance in Lincoln is definitely available on the web and with local Lincoln insurance agents, so you need to shop Lincoln car insurance with both to get a complete price analysis. There are still a few companies who don’t offer rate quotes online and usually these small insurance companies only sell coverage through independent agents.
For more information, feel free to visit the resources below:
- Teen Driving and Texting (State Farm)
- How Much is Lincoln Auto Insurance for a GMC Sierra? (FAQ)
- Who Has Cheap Auto Insurance Rates for Homeowners in Lincoln? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Determining Auto Insurance Rates (GEICO)