Cheapest Quotes for Mazda 6 Insurance in Virginia Beach

Insurance rates Mazda 6 in Virginia BeachNo normal person anticipates paying for auto insurance, in particular when they could find better rates elsewhere.

A recent auto insurance study revealed that a large majority of auto insurance policyholders kept buying from the same company for well over three years, and almost 40% of drivers have never compared rate quotes at all. Many consumers in Virginia can save up to $500 each year just by shopping around, but they just don’t want to do a rate comparison. Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest price on Mazda 6 insurance in Virginia Beach.

The method we recommend to compare car insurance company rates for Mazda 6 insurance in Virginia Beach is to take advantage of the fact auto insurance companies actually pay money for the chance to give free rates quotes. The only thing you need to do is provide information including if you require a SR-22, whether the vehicles are used for commuting, how much education you have, and if it has an alarm system. Those rating factors is then sent to many highly-rated insurers and they return cost estimate almost instantly.

To check Mazda 6 insurance prices now, click here and see if a lower rate is available in Virginia Beach.

The providers in the list below are our best choices to provide price quotes in Virginia Beach, VA. If you want the best auto insurance in VA, we suggest you click on several of them to get a more complete price comparison.

Lower-cost Virginia Beach insurance rates with discounts

Insurance is not an enjoyable expense, but you may qualify for discounts that could drop your premiums quite a bit. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be specifically requested before you get the savings.Cheaper insurance with discounts

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates you could get a free insurance policy, you aren’t that lucky.

The chart below illustrates the comparison of Mazda 6 car insurance rates with and without policy discounts. The data assumes a male driver, a clean driving record, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, multi-policy, claim-free, and marriage discounts applied.

A few of the larger companies and some of their more popular discounts can be found below.

If you need lower rates, check with each company the best way to save money. Discounts may not apply to policyholders in every state.

Auto insurance statistics and figures

The coverage table shown next highlights a range of rate quotes for Mazda 6 models. Having insight into how insurance prices are determined can assist in making decisions on the best policy to buy.


Mazda 6 Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $120 $242 $312 $18 $94 $786 $66
6 I SV 4-Dr Sedan $120 $242 $312 $18 $94 $786 $66
6 I Touring 4-Dr Sedan $120 $242 $312 $18 $94 $786 $66
6 I Touring Plus 4-Dr Sedan $136 $242 $312 $18 $94 $802 $67
6 I Touring Plus 4-Dr Sedan $136 $242 $312 $18 $94 $802 $67
6 I Grand Touring 4-Dr Sedan $136 $286 $312 $18 $94 $846 $71
6 S Touring Plus 6 Cyl 4-Dr Sedan $136 $286 $312 $18 $94 $846 $71
6 S Touring Plus 4-Dr Sedan $136 $286 $312 $18 $94 $846 $71
6 S Grand Touring 4-Dr Sedan $136 $286 $312 $18 $94 $846 $71
6 S Grand Touring 6 Cyl 4-Dr Sedan $136 $286 $312 $18 $94 $846 $71
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific location information which can influence coverage prices noticeably.

Raise deductibles and save

One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The following tables determine the difference in cost when you select higher and lower coverage deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage 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 $198 $336 $258 $16 $78 $911 $76
6 I SV 4-Dr Sedan $198 $336 $258 $16 $78 $911 $76
6 I Touring 4-Dr Sedan $198 $336 $258 $16 $78 $911 $76
6 I Touring Plus 4-Dr Sedan $224 $336 $258 $16 $78 $937 $78
6 I Touring Plus 4-Dr Sedan $224 $336 $258 $16 $78 $937 $78
6 I Grand Touring 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
6 S Touring Plus 6 Cyl 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
6 S Touring Plus 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
6 S Grand Touring 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
6 S Grand Touring 6 Cyl 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
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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 $162 $270 $258 $16 $78 $784 $65
6 I SV 4-Dr Sedan $162 $270 $258 $16 $78 $784 $65
6 I Touring 4-Dr Sedan $162 $270 $258 $16 $78 $784 $65
6 I Touring Plus 4-Dr Sedan $182 $270 $258 $16 $78 $804 $67
6 I Touring Plus 4-Dr Sedan $182 $270 $258 $16 $78 $804 $67
6 I Grand Touring 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
6 S Touring Plus 6 Cyl 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
6 S Touring Plus 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
6 S Grand Touring 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
6 S Grand Touring 6 Cyl 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can modify prices noticeably.

Based on the above data, using a $250 deductible will cost you roughly $12 more each month or $144 for a full year averaged for all 6 models than opting for the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 21 months between claims, you would probably come out ahead by going with a higher deductible. The table below shows how this decision is made.

Average monthly premium for $250 deductibles: $80
Average monthly premium for $500 deductibles (subtract): – $68
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

The diagram below shows how choosing a deductible and can increase or decrease Mazda 6 annual premium costs for different age categories. The price estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Full coverage rates vs. liability-only in Virginia Beach

The information below illustrates the comparison of Mazda 6 insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no violations or accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no clear-cut rule of when to eliminate physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Mazda 6 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after the deductible is paid. If premiums are more than $500 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some scenarios where only buying liability is not in your best interest. If you still owe a portion of the original loan, 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 drop full coverage.

How You Can Control Mazda 6 Insurance Costs

Many factors are part of the equation when premium rates are determined. Some are obvious like your driving record, but other factors are not as apparent such as your marital status or your financial responsibility. Consumers need to have an understanding of the rating factors that are used to determine your premiums. If you understand what influences your rates, this allows you to make good choices that can help you get big savings.