Save Money on Mazda 6 Insurance in Omaha

Insurance quote for Mazda 6 in OmahaAre you tired of trying to find more competitive auto insurance rates in Omaha, NE? Omaha drivers have lots of choices when trying to find affordable Mazda 6 insurance. They can either spend hours calling around to compare prices or save time using the internet to get rate quotes.

There is a better way to compare auto insurance rates and you need to know the proper way to quote coverages for a Mazda and locate the lowest price from Omaha insurance agents and online providers.

All major car insurance companies give prices direct online. The process is fairly simple as you simply type in the coverages you want into the quote form. After you submit the form the system collects information on your driving record and credit history and generates a price based on these and other factors.

This streamlines rate comparisons, and it is important to perform this step if you are searching for lower-cost car insurance pricing.

To find out what other companies charge, take a look at the companies shown below. If you currently have coverage, we recommend that you enter the insurance coverages just like they are on your policy. This ensures you will be getting rate quotes for the exact same coverage.

The providers in the list below can provide price comparisons in Omaha, NE. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.

Analysis of coverages

The premium table shown next covers detailed analysis of rate quotes for Mazda 6 models. Having knowledge of how insurance rates are figured can be of help when making decisions on the best policy coverages.


Mazda 6 Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $200 $382 $338 $20 $102 $1,042 $87
6 I SV 4-Dr Sedan $200 $382 $338 $20 $102 $1,042 $87
6 I Touring 4-Dr Sedan $200 $382 $338 $20 $102 $1,042 $87
6 I Touring Plus 4-Dr Sedan $224 $382 $338 $20 $102 $1,066 $89
6 I Touring Plus 4-Dr Sedan $224 $382 $338 $20 $102 $1,066 $89
6 I Grand Touring 4-Dr Sedan $224 $450 $338 $20 $102 $1,134 $95
6 S Touring Plus 6 Cyl 4-Dr Sedan $224 $450 $338 $20 $102 $1,134 $95
6 S Touring Plus 4-Dr Sedan $224 $450 $338 $20 $102 $1,134 $95
6 S Grand Touring 4-Dr Sedan $224 $450 $338 $20 $102 $1,134 $95
6 S Grand Touring 6 Cyl 4-Dr Sedan $224 $450 $338 $20 $102 $1,134 $95
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can alter auto insurance rates greatly.

An analysis of deductible level

The hardest decision when buying coverage is how low should you set your deductibles. The premium rates below can help illustrate the price difference of buying low and high physical damage deductibles. The first rate comparisons uses a $100 deductible and the second price grid uses a $1,000 deductible.


Mazda 6 insurance premium estimates with $100 deductibles
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

Mazda 6 insurance premium estimates with $1,000 deductibles
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

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can affect premiums noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $32 more each month or $384 each year across all Mazda 6 models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 28 months between claim filings, you would save more money going with the higher deductible.

Full coverage rates compared to liability-only

The diagram below illustrates the comparison of Mazda 6 insurance costs with full coverage and liability only. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you buy full coverage or liability only?

There is no set rule to eliminate full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Mazda 6 replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying the physical damage deductible. If premium cost is more than $400 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some situations where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Insurance is not optional in Nebraska

Despite the high cost of buying insurance for a Mazda 6 in Omaha, insuring your vehicle is not optional due to several reasons.

The benefits of buying insurance are without a doubt worth the cost, especially with large liability claims. But the average driver in Nebraska is overpaying over $865 each year so it’s important to compare rates at least once a year to save money.

Auto insurance discounts are available for cheaper rates

Auto insurance companies don’t always list every discount they offer very well, so below is a list both the well known and the more hidden credits available to you.Auto insurance discounts

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

The example below compares Mazda 6 car insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, no violations or claims, Nebraska 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 multi-policy, multi-car, claim-free, homeowner, marriage, and safe-driver discounts applied.

Some companies who may offer these benefits may include but are not limited to:

When comparing rates, check with each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies everywhere. To choose providers that offer many of these discounts in Omaha, click here to view.

Independent or exclusive car insurance agents

Certain consumers just want to have an agent’s advice. Experienced insurance agents are highly skilled in risk management and help in the event of a claim. An additional benefit of getting online price quotes is the fact that drivers can get cheap rate quotes and still have an agent to talk to. Buying insurance from local insurance agencies is definitely important in Omaha.

Omaha insurance agentsUpon completion of this quick form, the coverage information is transmitted to participating agents in Omaha who will return price quotes to get your business. It’s much easier because you don’t need to contact any agents because quoted prices will be sent straight to your inbox. In the event you want to compare prices from a specific auto insurance provider, feel free to jump over to their website and submit a quote form there.

Below is a list of insurance companies in Omaha that may be able to provide rate quotes for Mazda 6 insurance in Omaha.

View more Omaha agents

Choosing the best company should depend on more than just a cheap quote. Agents should be asked these questions:

Auto insurance coverages explained

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability coverages

This coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Nebraska requires minimum liability limits of 25/50/25 but drivers should carry more liability than the minimum.

The next chart demonstrates why minimum state limits may not be adequate coverage.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, rock chips in glass and fire damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage covers damage to your 6 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your 6 to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mazda 6.

Because many people have only the minimum liability required by law (which is 25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like dental work, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

How much can you save?

Lower-priced auto insurance in Omaha is possible online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don’t offer online rate quotes and these regional insurance providers sell through independent agencies.

Insureds change insurance companies for many reasons like high prices, delays in paying claims, high rates after DUI convictions or even extreme rates for teen drivers. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

You just learned a lot of ways to compare Mazda 6 insurance rates in Omaha. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the best rates are with a small local company.

Steps to buying lower priced Mazda 6 insurance in Omaha

Really, the only way to find low-cost prices for auto insurance rates in Omaha is to start doing an annual price comparison from insurers in Nebraska.

The most important part of this process is to make sure you’re comparing similar deductibles and liability limits on every price quote and and to get price quotes from as many companies as possible. Doing this guarantees a fair price comparison and a complete price analysis.

Additional auto insurance information is located on the following sites: