We don’t have to point out that fact that auto insurance companies don’t want you to look at other companies. Insureds who shop for lower prices will presumably buy a new policy because there is a high probability of finding a more affordable policy. A recent survey found that consumers who compared rates once a year saved on average $865 a year as compared to drivers who never compared rates.
If finding budget-friendly Mazda 6 insurance in Greensboro is the reason for your visit, then having a grasp of how to get price quotes and compare car insurance can make it simple to find affordable coverage.
If saving money is your primary concern, then the best way to get discount car insurance rates in Greensboro is to regularly compare price quotes from companies who sell auto insurance in North Carolina.
- Spend a few minutes and learn about what is in your policy and the measures you can take to keep rates in check. Many policy risk factors that cause high rates such as high-risk driving behaviors and a not-so-good credit rating can be controlled by making minor changes in your lifestyle.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies.
- Compare the new quotes to your current policy and see if there is a cheaper rate in Greensboro. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
The key thing to know about shopping around is to compare identical deductibles and limits on every price quote and and to get quotes from as many car insurance companies as possible. Doing this helps ensure the most accurate price comparison and a thorough price selection.
If you have a current auto insurance policy or need a new policy, you can follow these tips to get lower rates without reducing coverage. Quoting and buying the lowest-priced policy in Greensboro is not as hard as you think. Drivers just have to use the best way to get comparison rates from multiple carriers.
Insurance policy discounts you can’t miss
Some providers don’t necessarily list their entire list of discounts in an easy-to-find place, so the following list contains some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Greensboro car insurance online.
- First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will let one accident slide before your rates go up if your claims history is clear for a certain period of time.
- Onboard Data Collection – Insureds who allow companies to spy on driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
- Defensive Driving Course – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates if you qualify.
- Active Military Service – Being on active duty in the military could trigger a small discount.
- Anti-lock Brakes – Cars equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
- Multiple Vehicles – Drivers who insure multiple vehicles on one policy may reduce the rate for each vehicle.
- Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save a little on medical payment and PIP coverage.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower insurance rates due to less chance of an accident.
- Good Student – Excelling in school could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
Consumers should know that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free insurance policy, you’re out of luck.
The chart below compares Mazda 6 insurance rates with and without discounts applied to the rates. The premiums are based on a female driver, no violations or accidents, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, multi-car, and claim-free discounts applied.
A list of insurance companies and some of the premium reductions they offer can be read below.
- GEICO may have discounts that include emergency military deployment, anti-theft, federal employee, defensive driver, and multi-vehicle.
- Travelers offers discounts including multi-car, IntelliDrive, new car, save driver, good student, early quote, and multi-policy.
- Nationwide policyholders can earn discounts including good student, multi-policy, accident-free, defensive driving, and business or organization.
- Farmers Insurance has savings for teen driver, electronic funds transfer, distant student, good student, and youthful driver.
- Esurance offers premium reductions for anti-lock brakes, multi-car, emergency road assistance, online shopper, claim free, and DriveSense.
- State Farm includes discounts for driver’s education, good driver, passive restraint, Drive Safe & Save, and good student.
- Progressive has discounts for good student, multi-vehicle, homeowner, online quote discount, continuous coverage, multi-policy, and online signing.
- Mercury Insurance may include discounts for professional/association, age of vehicle, accident-free, ease of repair, and low natural disaster claims.
Before purchasing a policy, check with every prospective company the best way to save money. Some of the discounts discussed earlier might not be offered in your area. To locate insurance companies who offer insurance discounts in North Carolina, click this link.
The majority of larger companies such as Progressive, GEICO, Allstate and State Farm allow consumers to get price estimates online. Comparing Mazda 6 insurance rates online is quite easy because you just enter the coverage amounts you desire into a form. Once entered, the system will obtain your driving and credit reports and provides a quote based on the data you entered.
Being able to quote online for Mazda 6 insurance in Greensboro makes it a lot easier to compare rates and it is imperative to have as many quotes as possible if you want to get a lower rate.
To save time and find out what other companies charge, consider comparing rates from the companies shown below. To compare your current rates, we recommend you type in coverages and limits as close as possible to your current policy. This way, you will be getting a price comparison using the same coverage and limits.
The following companies have been selected to offer price comparisons in North Carolina. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.
Mazda 6 insurance rate analysis
The data table shown below covers estimates of prices for Mazda 6 models. Being more informed about how insurance quotes are formulated can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $192 | $324 | $250 | $14 | $74 | $854 | $71 |
| 6 I SV 4-Dr Sedan | $192 | $324 | $250 | $14 | $74 | $854 | $71 |
| 6 I Touring 4-Dr Sedan | $192 | $324 | $250 | $14 | $74 | $854 | $71 |
| 6 I Touring Plus 4-Dr Sedan | $218 | $324 | $250 | $14 | $74 | $880 | $73 |
| 6 I Touring Plus 4-Dr Sedan | $218 | $324 | $250 | $14 | $74 | $880 | $73 |
| 6 I Grand Touring 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $938 | $78 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $938 | $78 |
| 6 S Touring Plus 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $938 | $78 |
| 6 S Grand Touring 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $938 | $78 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $938 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in vehicle garaging location which can decrease or increase coverage rates substantially.
Rate comparison for different deductibles
The hardest decision when buying coverage is what deductibles to buy. The following tables determine the rate differences of buying low and high coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| 6 I SV 4-Dr Sedan | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| 6 I Touring 4-Dr Sedan | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| 6 I Touring Plus 4-Dr Sedan | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| 6 I Touring Plus 4-Dr Sedan | $242 | $386 | $250 | $14 | $74 | $991 | $83 |
| 6 I Grand Touring 4-Dr Sedan | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| 6 S Touring Plus 4-Dr Sedan | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| 6 S Grand Touring 4-Dr Sedan | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 6 I Sport 4-Dr Sedan | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| 6 I SV 4-Dr Sedan | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| 6 I Touring 4-Dr Sedan | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| 6 I Touring Plus 4-Dr Sedan | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| 6 I Touring Plus 4-Dr Sedan | $176 | $262 | $250 | $14 | $74 | $776 | $65 |
| 6 I Grand Touring 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| 6 S Touring Plus 6 Cyl 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| 6 S Touring Plus 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| 6 S Grand Touring 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| 6 S Grand Touring 6 Cyl 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate quotes do not factor in garaging location in Greensboro which can impact coverage prices considerably.
Based on this data, using a $100 deductible would cost the average driver about $19 more each month or $228 each year across all Mazda 6 models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 21 months between claims, you would save more money by going with a higher deductible.
The illustration below illustrates how your deductible choice and can impact Mazda 6 premium costs for different insured age categories. The information is based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The diagram below shows the comparison of Mazda 6 premium costs when comparing full coverage to liability only. The rates are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive rule of when to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s assume your Mazda 6 claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after you pay the deductible. If you are paying in excess of $700 annually for physical damage coverage, then it might be time to consider dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Tailor your car insurance coverage to you
When it comes to choosing insurance from an agent or online for your vehicles, there really isn’t a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that.
Here are some questions about coverages that may help highlight if your situation could use an agent’s help.
- What is glass protection for?
- What is the premium to book value ratio for dropping full coverage?
- Am I covered if I hit my neighbor’s mailbox?
- Is my cargo covered for damage or theft?
- Is my ex-spouse still covered by my policy?
- Is there coverage for my trailer?
- Should I buy full coverage?
- Am I covered when delivering products for my home-based business?
- Are there companies who specialize in insuring high-risk drivers?
- Is my Mazda 6 covered for flood damage?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Compare prices but buy from a neighborhood Greensboro auto insurance agent
Certain consumers just want to talk to a local agent and that is recommended in a lot of cases Professional insurance agents can help you build your policy and give you someone to call. An additional benefit of comparing rate quotes online is the fact that you can find lower rates and still have an agent to talk to. And buying from neighborhood agents is especially important in Greensboro.
To help locate an agent, after submitting this quick form, your coverage information is sent to agents in your area who will give you quotes to get your business. You won’t even need to search for an agent because prices are sent to you directly. If you want to quote rates from one company in particular, you can always jump over to their website to submit a rate quote request.
If you need to find a local Greensboro insurance agent, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Agents in Greensboro can be described as either exclusive or independent agents depending on their company appointments. Both types of agents can provide auto insurance policies, but it is important to understand why they differ because it can impact which agent you choose.
Independent Auto Insurance Agents
Agents in the independent channel are not restricted to one company so they can quote policies through many different auto insurance companies and find you cheaper rates. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.
When comparing rates, you absolutely need to include price quotes from several independent insurance agents for the best price selection. Many can place coverage with mutual insurance companies that may provide cheaper auto insurance rates.
Listed below are Greensboro independent insurance agencies that may be able to provide free rate quotes.
- Craft Insurance
823 N Elm St – Greensboro, NC 27401 – (336) 375-0600 – View Map - Scott Insurance
628 Green Valley Rd #306 – Greensboro, NC 27408 – (336) 273-6599 – View Map - Williford Insurance Group Inc
2201 W Cone Blvd – Greensboro, NC 27408 – (336) 288-1956 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies generally can only insure with one company such as State Farm or Allstate. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on their company’s products which helps offset the inability to provide other markets. Consumers sometimes use the same exclusive agent primarily because of high brand loyalty rather than low rates.
Below is a short list of exclusive insurance agencies in Greensboro that are able to give rate quotes.
- John Klopp – State Farm Insurance Agent
401 Battleground Ave – Greensboro, NC 27401 – (336) 268-9000 – View Map - Barry Morgan – State Farm Insurance Agent
2001 N O Henry Blvd Srv Rd b – Greensboro, NC 27407 – (336) 294-3894 – View Map - Drew Baker – State Farm Insurance Agent
608 Pisgah Church Rd – Greensboro, NC 27455 – (336) 288-8802 – View Map
Finding the right car insurance agent should include more criteria than just a low price. The following questions are important to ask.
- Does the company allow you to choose your own collision repair facility?
- How often do they review coverages?
- How experienced are they in personal risk management?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Can they help ensure a fair claim settlement?
Best car insurance company in North Carolina
Picking the highest-rated insurer is difficult considering how many companies are available to choose from in Greensboro. The company ratings listed below can help you analyze which insurers to look at shopping prices with.
Top 10 Greensboro Car Insurance Companies Overall
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Cheaper auto insurance premiums are possible
When buying insurance coverage, do not skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.
Lower-priced auto insurance in Greensboro is available both online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide rate quotes online and many times these smaller providers only sell through independent agents.
Even more information is located in these articles:
- Insurance Losses by Make and Model (iihs.org)
- Who Has Cheap Auto Insurance Rates for Handicapped Drivers in Greensboro? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Alcohol Impaired Driving FAQ (iihs.org)
- Your Car has been Stolen: Now What? (Allstate)