Are you looking for low-cost Mazda 6 insurance in Milwaukee? Searching for low-cost insurance for a new or used Mazda 6 in Wisconsin can normally be an all-consuming task, but you can learn our car insurance buying tips to make it easier.
There are both good and bad ways to buy car insurance so we’re going to tell you the proper way to compare rates for your Mazda and locate the best price possible either online or from Milwaukee insurance agents.
It’s astonishing, but nearly 70% of Wisconsin drivers have remained with the same car insurance company for over three years, and nearly the majority have never compared rate quotes at all. With the average car insurance premium being $1,847, American drivers can save hundreds of dollars each year by just comparing rate quotes, but they won’t spend time to compare other rate quotes.
It’s important to get comparison quotes before your policy renews because car insurance rates change quite often. Even if you think you had the best deal on Mazda 6 insurance in Milwaukee six months ago a different company probably has better prices today. There is lot of inaccurate information about 6 insurance online, but in just a couple of minutes you can learn the best ways to find affordable car insurance in Milwaukee.
The fastest way that we advise to compare policy rates for Mazda 6 insurance in Milwaukee is to know auto insurance companies participate in online systems to give rate comparisons. To get started, all you need to do is give the companies some data including if you are currently licensed, deductibles desired, any included safety features, and if the vehicle is leased. Those rating factors is then submitted to many different companies and they return quotes with very little delay.
To compare cheaper Mazda 6 insurance rates now, click here and enter your coverage details.
The companies shown below have been selected to offer quotes in Wisconsin. If several companies are displayed, we suggest you click on several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $174 | $344 | $278 | $16 | $84 | $896 | $75 |
| 6 I SV 4-Dr Sedan | $106 | $212 | $298 | $18 | $90 | $724 | $60 |
| 6 I Touring 4-Dr Sedan | $170 | $350 | $242 | $14 | $72 | $848 | $71 |
| 6 I Touring Plus 4-Dr Sedan | $142 | $188 | $302 | $18 | $90 | $740 | $62 |
| 6 I Touring Plus 4-Dr Sedan | $174 | $304 | $220 | $14 | $66 | $778 | $65 |
| 6 I Grand Touring 4-Dr Sedan | $192 | $434 | $260 | $16 | $78 | $980 | $82 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $182 | $324 | $236 | $14 | $70 | $826 | $69 |
| 6 S Touring Plus 4-Dr Sedan | $128 | $242 | $220 | $14 | $66 | $670 | $56 |
| 6 S Grand Touring 4-Dr Sedan | $140 | $294 | $260 | $16 | $78 | $788 | $66 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $214 | $476 | $298 | $18 | $90 | $1,096 | $91 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific Milwaukee garaging location which can alter coverage prices noticeably.
Drive responsibly or pay higher rates
The information below illustrates how violations and at-fault accidents can raise Mazda 6 car insurance rates for different ages of insureds. The rates are based on a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Affordable rates with these ten discounts
Auto insurance is expensive, but you might already qualify for some discounts that many people don’t even know exist. Some trigger automatically when you get a quote, but occasionally some discounts must be specially asked for before they will apply.
- Buy New and Save – Adding a new car to your policy can be considerably cheaper since new vehicles are generally safer.
- Federal Government Employee – Employees or retirees of the government could provide a small rate reduction depending on your auto insurance provider.
- Defensive Driver Discount – Passing a course teaching defensive driver skills can save you 5% or more and make you a better driver.
- E-sign – A few larger online companies will give you a small discount for completing your application over the internet.
- College Student – Youth drivers who are attending college and don’t have a car can receive lower rates.
- Low Mileage Discounts – Maintaining low annual mileage may allow you to get substantially lower rates.
- Multi-car Discount – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
- Cautious Driver Discounts – Insureds who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Service Members Pay Less – Being deployed in the military may lower your premium rates slightly.
- Claim Free – Good drivers with no accidents pay much less in comparison with accident-prone drivers.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.
If you would like to choose from a list of insurance companies with the best discounts in Milwaukee, click this link.
Auto insurance just makes sense
Despite the potentially high cost of Mazda 6 insurance, auto insurance is mandatory in Wisconsin but it also protects more than you think.
- The majority of states have compulsory liability insurance requirements which means state laws require a specific level of liability insurance coverage in order to drive the car. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Mazda, most banks will stipulate that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your Mazda at an extremely high rate and require you to reimburse them the higher price.
- Auto insurance protects both your car and your personal assets. Insurance will pay for all forms of medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses in the event you are sued. If your Mazda gets damaged, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance outweigh the cost, specifically if you ever have a liability claim. But the average driver in Wisconsin overpays as much as $700 annually so compare quotes from several companies at every policy renewal to ensure rates are competitive.
You may need specialized auto insurance coverage
When it comes to insurance from an agent or online, there is no single plan that fits everyone. You are unique.
Here are some questions about coverages that can help discover if your situation would benefit from professional advice.
- Does my Mazda 6 qualify for pleasure use?
- If my car is totalled with they pay enough to replace it?
- Is a blown tire covered by insurance?
- Do I have coverage if I rent a car in Mexico?
- How high should deductibles be on a Mazda 6?
- Who is covered by my policy?
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.
Compare rate quotes but still have a local Milwaukee insurance agent
A small number of people just want to talk to an insurance agent and doing so can bring peace of mind Experienced insurance agents can make sure you are properly covered and give you someone to call. One of the great benefits of comparing car insurance online is the fact that you can find the best rates and still choose a local agent. And providing support for small agencies is important especially in Milwaukee.
After completing this form (opens in new window), your information is transmitted to agents in your area that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent immediately to your email address. In the event you want to compare prices for a specific company, feel free to find their quoting web page and fill out their quote form.
If you are wanting to find a reliable insurance agency, there are two different agency structures and how they can quote your rates. Car insurance agents in Milwaukee are considered either independent or exclusive. Both types of agents can write policy coverage, but it’s good to learn the difference in how they write coverage because it can influence your selection of an agent.
Independent Car Insurance Agencies or Brokers
Agents that choose to be independent are not locked into one company so they can quote policies through many companies and get you the best rates possible. If they quote lower rates, an independent agent can move your coverage and that require little work on your part. When comparison shopping, you will want to get several quotes from independent agents to get the most accurate price comparison. They often place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.
Listed below is a small list of independent insurance agencies in Milwaukee that can give you free price quotes.
- Frank Medina Insurance WI
342 N Water St Ste 600 – Milwaukee, WI 53202 – (414) 877-0777 – View Map - Brew City Insurance
2937 S Chicago Ave – South Milwaukee, WI 53172 – (414) 762-6600 – View Map - Dern and Company
10335 W Oklahoma Ave #203 – Milwaukee, WI 53227 – (414) 935-5700 – View Map
Exclusive Car Insurance Agents
Exclusive agencies can only write with one company such as Farmers Insurance, State Farm, or Allstate. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies are well trained on the products they sell and that enables them to sell even at higher rates. Consumers frequently buy from the same agent for years mostly because of the brand and solid financial strength.
Below are exclusive insurance agents in Milwaukee that are able to give rate quotes.
- American Family Insurance – Adam Altis
6015 W Forest Home Ave – Milwaukee, WI 53220 – (414) 321-9944 – View Map - Farmers Insurance – Roger Channing
4369 S Howell Ave #201 – Milwaukee, WI 53207 – (414) 482-9400 – View Map - American Family Insurance – James W Eve Agency LLC
6917 W Oklahoma Ave – Milwaukee, WI 53219 – (414) 546-2100 – View Map
Choosing the best insurance agency requires you to look at more than just the bottom line cost. Here are some questions you might want to ask.
- Are they involved in claim handling?
- Is there a Errors and Omissions policy in force?
- Is there a 24/7 contact number?
- Who are their largest clients?
- Do they regularly work with personal auto policies in Milwaukee?
- Is insurance their full-time profession?
Auto insurance 101
Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.
Medical costs insurance
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, prosthetic devices and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
UM/UIM Coverage
This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Mazda 6.
Since many Wisconsin drivers only carry the minimum required liability limits (25/50/10 in Wisconsin), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Comprehensive or Other Than Collision
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle, hitting a deer, rock chips in glass and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Auto collision coverage
Collision insurance covers damage to your 6 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as crashing into a ditch, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible on your 6 in order to get cheaper collision rates.
Liability auto insurance
This coverage can cover damage or injury you incur to other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/10 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as funeral expenses, loss of income, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible. Wisconsin state minimum liability requirements are 25/50/10 but it’s recommended drivers buy more liability than the minimum.