Save Money on Mazda 6 Insurance in Portland

Insurance quote for Mazda 6 in PortlandWould you like to find cheaper insurance rates in Portland, OR? Portland consumers have options when looking for affordable Mazda 6 insurance. You can either waste hours driving around to compare prices or leverage the internet to get rate quotes. There are more efficient ways to find insurance online so you’re going to learn the absolute fastest way to quote coverages for a Mazda and get the cheapest rates from both online companies and Portland agents.

Cheapest companies for Mazda 6 insurance in Oregon

The following companies are ready to provide quotes in Portland, OR. If your goal is to find the best cheap car insurance in Portland, we suggest you visit several of them in order to get a fair rate comparison.

Rates and data analysis

The rate information shown below showcases estimates of coverage costs for Mazda 6 models. Knowing how insurance policy rates are calculated is important for making informed decisions when comparing rate quotes.

Mazda 6 Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $314 $496 $418 $24 $126 $1,378 $115
6 I SV 4-Dr Sedan $314 $496 $418 $24 $126 $1,378 $115
6 I Touring 4-Dr Sedan $314 $496 $418 $24 $126 $1,378 $115
6 I Touring Plus 4-Dr Sedan $354 $496 $418 $24 $126 $1,418 $118
6 I Touring Plus 4-Dr Sedan $354 $496 $418 $24 $126 $1,418 $118
6 I Grand Touring 4-Dr Sedan $354 $586 $418 $24 $126 $1,508 $126
6 S Touring Plus 6 Cyl 4-Dr Sedan $354 $586 $418 $24 $126 $1,508 $126
6 S Touring Plus 4-Dr Sedan $354 $586 $418 $24 $126 $1,508 $126
6 S Grand Touring 4-Dr Sedan $354 $586 $418 $24 $126 $1,508 $126
6 S Grand Touring 6 Cyl 4-Dr Sedan $354 $586 $418 $24 $126 $1,508 $126
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in specific zip code location which can impact coverage prices noticeably.

Comparison of policy deductibles

When comparing insurance rates, the most common question is how high should the physical damage coverage deductibles be. The following insurance rates help summarize the costs and benefits of buying low and high coverage deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.

Mazda 6 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $246 $416 $320 $18 $96 $1,121 $93
6 I SV 4-Dr Sedan $246 $416 $320 $18 $96 $1,121 $93
6 I Touring 4-Dr Sedan $246 $416 $320 $18 $96 $1,121 $93
6 I Touring Plus 4-Dr Sedan $278 $416 $320 $18 $96 $1,153 $96
6 I Touring Plus 4-Dr Sedan $278 $416 $320 $18 $96 $1,153 $96
6 I Grand Touring 4-Dr Sedan $278 $490 $320 $18 $96 $1,227 $102
6 S Touring Plus 6 Cyl 4-Dr Sedan $278 $490 $320 $18 $96 $1,227 $102
6 S Touring Plus 4-Dr Sedan $278 $490 $320 $18 $96 $1,227 $102
6 S Grand Touring 4-Dr Sedan $278 $490 $320 $18 $96 $1,227 $102
6 S Grand Touring 6 Cyl 4-Dr Sedan $278 $490 $320 $18 $96 $1,227 $102
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Mazda 6 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $200 $336 $320 $18 $96 $970 $81
6 I SV 4-Dr Sedan $200 $336 $320 $18 $96 $970 $81
6 I Touring 4-Dr Sedan $200 $336 $320 $18 $96 $970 $81
6 I Touring Plus 4-Dr Sedan $226 $336 $320 $18 $96 $996 $83
6 I Touring Plus 4-Dr Sedan $226 $336 $320 $18 $96 $996 $83
6 I Grand Touring 4-Dr Sedan $226 $396 $320 $18 $96 $1,056 $88
6 S Touring Plus 6 Cyl 4-Dr Sedan $226 $396 $320 $18 $96 $1,056 $88
6 S Touring Plus 4-Dr Sedan $226 $396 $320 $18 $96 $1,056 $88
6 S Grand Touring 4-Dr Sedan $226 $396 $320 $18 $96 $1,056 $88
6 S Grand Touring 6 Cyl 4-Dr Sedan $226 $396 $320 $18 $96 $1,056 $88
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence prices substantially.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $13 more each month or $156 each year averaged for all 6 models than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 19 months between claims, you would most likely save money by going with a higher deductible.

Male drivers versus female drivers

The chart below shows the difference between Mazda 6 yearly insurance costs for male and female drivers. The rate quotes are based on no claims or violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Difference between liability only and full coverage rates

The illustration below illustrates the comparison of Mazda 6 insurance rates with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or accidents, $250 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage or liability only?

There is no written rule to exclude physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s assume your Mazda 6 book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after you pay the deductible. If you are currently paying more than $600 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Affordable Portland car insurance rates with discounts

Car insurance is not cheap nor is it fun to buy but you may qualify for discounts that can dramatically reduce your bill. Certain credits will be shown at the time you complete a quote, but some may not be applied and must be inquired about prior to receiving the credit.Cheaper car insurance with discounts

Please keep in mind that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like you could get a free car insurance policy, nobody gets a free ride.

The chart below shows the difference between Mazda 6 car insurance costs with and without discounts applied. The data is based on a male driver, no claims or driving citations, Oregon state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, marriage, and safe-driver discounts applied.

To see a list of insurance companies with discount rates in Oregon, click here.

Auto insurance quotes from local neighborhood Portland car insurance agents

Many drivers would prefer to have an agent’s advice and that is recommended in a lot of cases Most agents are very good at helping people manage risk and help file insurance claims. A good thing about price shopping on the web is that you can obtain lower rates and also buy local.

Portland insurance agentsAfter completing this form (opens in new window), the coverage information is emailed to agents in your area who will give you quotes for your coverage. It makes it easy because there is no need to leave your computer as quotes are delivered straight to your inbox. If for some reason you want to quote rates from a specific auto insurance provider, don’t hesitate to visit that company’s website and fill out their quote form.

Choosing a provider needs to be determined by more than just the price. Here are some questions to ask:

If you want a reputable agency, it can be helpful to understand the different types of agents and how they differ in how they can insure your vehicles. Portland agents can be categorized as either independent agents or exclusive agents. Both types can sell and service auto insurance coverage, but it is important to understand how they differ since it may influence which type of agent you select.

Exclusive Agencies

Exclusive agencies are contracted to one company like Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so always compare other rates. Exclusive agents are well schooled on the products they sell which helps overcome the inability to quote other rates. Some insured continue to buy insurance from these agents primarily because of high brand loyalty instead of buying on price only.

Listed below are Portland exclusive insurance agencies who can help you get comparison quotes.

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Independent Auto Insurance Agents

Agents that choose to be independent can sell policies from many different companies and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If you want to switch companies, your policy is moved internally and you can keep the same agent.

When comparison shopping, we highly recommend that you get some free quotes from at a minimum one independent agency to maximize your price options. Most also have access to smaller regional carriers that many times have cheaper rates.

The following is a short list of independent agents in Portland that are able to give price quote information.

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Don’t assume everyone needs the same insurance coverage

Always keep in mind that when comparing coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.Higher deductibles save money

These are some specific questions may help highlight whether you could use an agent’s help.

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

What auto insurance coverages do you need?

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/20 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $20,000.

Liability can pay for claims like medical expenses, loss of income, funeral expenses and court costs. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford. Oregon requires drivers to carry at least 25/50/20 but you should consider buying better liability coverage.

The illustration below shows why minimum state limits may not be high enough to adequately cover claims.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like EMT expenses, funeral costs, X-ray expenses, chiropractic care and doctor visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Oregon drivers only carry the minimum required liability limits (25/50/20 in Oregon), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for collisions

This covers damage to your 6 caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible on your 6 to save money on collision insurance.

Quote more to save more

Cheaper car insurance in Portland can be bought online as well as from insurance agents, and you should be comparing both to have the best selection. Some companies do not offer online rate quotes and usually these small insurance companies only sell through local independent agents.

When getting Portland auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

You just read some good ideas how you can get a better price on Mazda 6 insurance in Portland. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from a smaller regional carrier.

Steps to buying affordable Mazda 6 insurance in Portland

If your goal is the lowest price, then the best way to get the cheapest car insurance rates is to compare prices annually from insurers in Portland. This can be done by following these guidelines.

  1. Get an understanding of how insurance works and the measures you can take to prevent expensive coverage. Many factors that result in higher rates such as at-fault accidents, careless driving, and a less-than-favorable credit score can be improved by making small lifestyle or driving habit changes.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple sources. Compare rates
  3. Compare the new rate quotes to your current policy to see if cheaper 6 coverage is available. If you find a lower rate quote and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key thing to know about shopping around is to use the same amount of coverage on each quote and and to compare as many companies as feasibly possible. This provides the most accurate price comparison and maximum price selection.

Much more information about car insurance in Oregon is available on the following sites: