Last post on Jun 05, 2013 at 6:19 PM
You are in the Prices Paid - Buying & Leasing Experiences
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Mazda MAZDA6, Hatchback, Sedan, Wagon
#2385 of 2394 Re: Looking to purchase need help [gee22]
Jun 01, 2013 (1:50 pm)
Oh I forgot to mention, $22.6K + TTL includes one option on my JBM 6MT..a LoJack ($695). I never wanted any options or added doo-dads upon purchase but I let this go, since it is a very useful and beneficial addition.
I love to work on my cars, so I am actually now in the middle of adding OEM 2014 Mazda 6 accessories myself (all weather mats, bumper guard, scuff plates...next purchase, the fogs). Getting the OEM stuff after purchase of the car is EASY and alot CHEAPER, than with them already installed upon delivery.
Also, I was quite surprised that I only paid $450 over a 6 Sport 6AT at invoice ($22,150; via KBB.com).
#2386 of 2394 Re: Looking to purchase need help [jagat101]
Jun 01, 2013 (2:10 pm)
Did you tell your insurance company that it has LoJack installed? If not, you definitely should give them a call. It varies from one insurer to another, but that could be worth up to 10% off your Comprehensive (or Other Than Collision) premium!
#2387 of 2394 Re: Looking to purchase need help [jagat101]
Jun 01, 2013 (2:16 pm)
When I bought my CX-9 last November, I only had the splash guards and roof rack installed at purchase. I had them match the best price I could get online for the accessories and install for $0, told them it was a deal-breaker after I had negotiated the final price of the car. But I purchased several other OEM accessories and installed them myself after purchase. The latest was the stainless steel rear bumper guard, which I believe is also offered for the Mazda6. Very sharp!
#2388 of 2394 Re: Looking to purchase need help [igozoomzoom]
Jun 01, 2013 (8:48 pm)
Oh yeah. It was a foregone conclusion. I'm pretty surprised of the low insurance premium for this car (compared to other Japanese makes) under Wawanesa. It's like paying only twice for the year of what I used to pay (minus collision) for my near 13yr old (paid off 10yrs ago) VW Passat.
#2389 of 2394 Re: Looking to purchase need help [jagat101]
Jun 03, 2013 (7:59 am)
Sorry, I'm a little confused. So you agreed upon the $22.6 and the dealer then threw in a Lojack? Please provide a breakdown of the dealer fees and the cost of the car. Thanks
#2390 of 2394 Re: Looking to purchase need help [jagat101]
Jun 03, 2013 (6:57 pm)
I was amazed when I bought my 2012 CX-9 GT. It was actually $7/year cheaper than the 2007 Explorer Eddie Bauer 2WD that it replaced. I added OEM parts coverage, Diminished Value protection and removed Roadside Assistance, it ended up being $12 more per year with those changes.
But the crazy thing is that it's $80/year cheaper to insure than my 2006 Mazda3 s 5-door! Both vehicles have identical coverage limits, same deductibles and rated for the same driver and annual mileage.
But I can't exactly complain, I carry Liability Limits of 500/500/100 and matching Uninsured/Underinsured Motorist limits. My Collision deductible is $500 and Comprehensive deductible is $100. I pay $1120/year for both cars with that level of coverage....my agent is pretty awesome (me)! =)
#2391 of 2394 Re: Looking to purchase need help [igozoomzoom]
Jun 04, 2013 (9:23 am)
I wouldn't think it was crazy that it's cheaper to insure a CX-9 than a Mazda3. If a CX-9 meets another car, chances are that the other car will sustain more damage (car and occupants). Just the opposite with the Mazda3. If your CX-9 met your Mazda3 on the highway, I would expect your insurance check to be much higher for the Mazda3. And while a CX-9 can certainly do more damage to another vehicle, the typical driver will be older and more experienced and I would assume this would be taken into consideration in the underwriting when developing rates for these cars.
#2392 of 2394 Re: Looking to purchase need help [igozoomzoom]
Jun 05, 2013 (10:15 am)
Consider yourself lucky. I live in suburban Detroit (Southfield, MI) and my premiums are ridiculous considering my personal situation. No accident since 1989, One claim in the last 10 years and that was a windshield chip. My 14 Mazda Touring jacked my insurance up about 30% (reduced it by half by lowering some coverages). What bothered me more than that was as my previous vehicle went down in value every year my premium went up. Why? Because I have committed the unredeemable crime of living in my zipcode and nothing I can do like the fact that my car is parked in a 24 hour monitored security parking garage will convince the insurance industry that I'm not a 19 year old with 4 DUIs and 6 accidents on my record.
Talk about legalized thievery. I was told by my agent once that if I made a claim for $500 damage to another vehicle my rate would go up by that amount for each of the next three years. Needless to say I paid the claim from my personal funds. Don't bother to tell me to check other companies. This has been a universal problem with any company I have been with.
#2393 of 2394 Re: Looking to purchase need help [subdrvr]
Jun 05, 2013 (11:01 am)
I read several industry industry news sites almost daily. I'm familiar with all the problems that plague the auto insurance business in Michigan. And I feel for you, seriously.
The entire concept of “No Fault Auto Insurance” is flawed because it only works under ideal circumstances and in a perfect society...which only exists in fairy tales! It was the product of the hippee/utopian world fantasies of the late 60s and early 70s. At its height, in 1975, 26 states had adopted no-fault auto insurance law.
At the end of 2012, only 13 states have retained the no-fault system. In each of those 13, various modifications in law and policy have been made in an attempt to fix the problem. But, at best, they’re just trying to bail out a sinking boat using a thimble!
The intended objective of No-Fault was to reduce insurance premiums by limiting litigation and eliminating obscene court-ordered insurance payouts that weren’t merited. Instead, the system is plagued by fraud and corruption. The ability to properly assess risk for an individual driver and adjust the insurance premium commensurate to that is also difficult, if not impossible! So insurers err on the side of caution and premiums are set at an artificially high level.
Georgia, where I live and am licensed to sell insurance, was one of the 26 states that adopated the no-fault system in the 70s. It was repealed in 1991 and premiums dropped by 20% within one year and have remained steady for more than two decades.
As a consumer and an insurance agent, I am in the minority in supporting federal oversight of insurance law instead of each state having its own screwed up system! Of the five states that border Georgia, only the laws and regulations in Albama are similar. The other four have substantial differences from us and from one another....it’s chaos!
But I feel especially bad for you and other Michigan residents. The political officials in your state aren’t exactly the cream of the crop...the phrase “bottom of the barrel” comes to mind for some reason. I think they all wear t-shirts that say “They had to promote (or elect) me, there was nobody left” on casual Friday! =)
Ironically, one of the best insurance companies in the country is based in Lasing, MI. Auto-Owners has been rated #1 in Auto Claims Satisfaction in the entire industry for five consecutive years. My grandparents and parents have been insured by them for over 25 years. I was seriously injured in 2001 when I was t-boned by an uninsured drunk driver. I was driving my mom's SUV to pick up a table that I wanted but couldn't fit in my car. Her Uninsured Motorist paid over $90k in Medical Expenses and Lost Wages and did so with no hassle if documentation of expenses was provided. That experience is what inspired me to work in the insurance business and at an independent agency that represented Auto-Owners.
#2394 of 2394 Re: Looking to purchase need help [igozoomzoom]
Jun 05, 2013 (6:19 pm)
I know Jagat said that the premiums for other Japanese cars were higher, but I'm paying more for collision on my GT than our $40K Volvo. Since you're in the business, how does the Mazda6 compare with the Camry, Accord and Altima? Thanks