Lower Your 1993 Mazda 626 Car Insurance Quotes

Searching for the cheapest insurance rates? Consumers have options when looking for the lowest priced Mazda 626 insurance. They can either spend hours calling around to compare prices or leverage the internet to make rate comparisons. There are both good and bad ways to buy insurance so you’re going to learn the proper way to price shop coverage for a new or used Mazda and get the lowest price either online or from local insurance agents.

You should take the time to do rate comparisons before your next renewal due to the fact that insurance prices fluctuate regularly. If you had the best deal on 626 insurance on your last policy the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because it’s time to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

Compare insurance quotes online

There are multiple methods to shop for insurance, but one way is less labor-intensive and much quicker. You could waste a few hours driving to agents in your area, or you can utilize online quoting to achieve your goal.

The majority of car insurance companies belong to an insurance system that enables customers to complete one form, and at least one company can provide price quotes based on that information. This system prevents you from having to do quote forms for each company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to getting quotes like this is you are unable to specify the insurers to get pricing from. So if you want to choose individual companies to compare prices, we have a listing of low cost insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same coverage information for every company. If you enter differing limits it’s not possible to make a fair comparison for your Mazda 626.

Save $392 a year? Really?

Consumers can’t get away from ads that claim the best rates by companies like Allstate and Progressive. They all have a common claim that you can save just by moving your insurance policy to them.

But how can every company save you money?

Insurance providers have specific guidelines for the type of driver that is profitable for them. One example of a preferred risk might be described as a married female, owns their home, and has excellent credit. A propective insured who matches those parameters will get the preferred rates and most likely will save money with a new company.

Drivers who don’t meet the ideal profile will be quoted a more expensive rate and business going elsewhere. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That is how companies can make the claims of big savings. This really emphasizes why drivers must do a quote comparison often. Because without a comparison, you cannot know which insurance company will fit you best based on your risk profile.

Why your insurance prices might be higher

Multiple criteria are considered when you get a price on insurance. A few of the factors are predictable such as traffic violations, although some other factors are not as apparent like your continuous coverage or your financial responsibility.

  • Save money by staying claim free – If you file claims often, you can look forward to higher rates. Companies provide discounts to policyholders who are not frequent claim filers. Your car insurance is designed for more catestrophic claims.
  • Gaps in coverage mean higher prices – Having an insurance coverage lapse will be a sure-fire way to increase your rates. Not only will rates go up, being ticketed for driving with no insurance will get you a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Your location is a factor – Being located in a rural area can save you money when buying car insurance. Drivers who live in large cities tend to have congested traffic and longer commute times. Fewer drivers translates into fewer accident claims.
  • Higher prices for tough employers – Did you know that where you work can have an impact on rates? Careers such as military personnel, architects and accountants tend to pay higher premium rates in part from intense work-related stress and extremely grueling work hours. Other careers like scientists, students and homemakers have the lowest average rates on 626 insurance.
  • Males tend to take more risk – Statistics have proven that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Both genders have auto accidents in similar percentages, but males cause more damage. Men also statistically get more serious tickets like DUI and reckless driving.
  • Premiums are high for teenagers – Older drivers are viewed as being more responsible, file fewer claims and get fewer tickets.Youthful drivers are known to be careless and easily distracted behind the wheel so they pay higher car insurance rates.
  • Drive lots and pay more – Driving a lot of miles every year the more it will cost to insure it. Most companies charge rates based on how the vehicle is used. Vehicles that do not get driven very much receive lower rates than vehicles that are driven to work every day. A policy that improperly rates your 626 is just wasting money. Verify your declarations sheet properly reflects the proper vehicle usage.

Insurance coverage discounts are available to reduce your rates

Some providers do not advertise all their discounts very clearly, so the next list breaks down both the well known as well as the least known discounts you could be receiving when you buy car insurance online.

  • Discount for New Cars – Adding a new car to your policy can save you some money because new vehicles are generally safer.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and therefore earn up to a 10% discount.
  • Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
  • Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks for buying your policy on the internet.
  • Telematics Discount – Drivers who elect to allow data collection to look at vehicle usage by installing a telematics device such as Progressive’s Snapshot might see lower rates if they are good drivers.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars on one policy can get a discount on all vehicles.
  • Federal Employees – Active or former government employment may reduce rates when you quote car insurance on 626 insurance depending on your company.
  • Homeowners Discount – Being a homeowner can help you save on insurance coverage because maintaining a house is proof that your finances are in order.
  • Student Driver Training – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Even though the math looks like you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will definitely reduce your premiums.

Large insurance coverage companies and their possible discounts are:

  • GEICO policyholders can earn discounts including emergency military deployment, multi-policy, seat belt use, anti-theft, multi-vehicle, five-year accident-free, and anti-lock brakes.
  • Mercury Insurance offers premium reductions for professional/association, age of vehicle, low natural disaster claims, ease of repair, location of vehicle, multi-policy, and good driver.
  • Farmers Insurance may have discounts that include youthful driver, bundle discounts, teen driver, early shopping, good student, and electronic funds transfer.
  • Auto-Owners Insurance offers discounts for paid in full, student away at school, anti-lock brakes, good student, mature driver, and air bags.
  • Liberty Mutual offers discounts including multi-policy, new vehicle discount, hybrid vehicle, new move discount, safety features, exclusive group savings, and teen driver discount.
  • SAFECO has discounts for teen safe driver, accident prevention training, safe driver, anti-theft, and multi-car.
  • Progressive may include discounts for continuous coverage, homeowner, multi-vehicle, good student, online quote discount, and multi-policy.
  • USAA includes discounts for safe driver, multi-vehicle, new vehicle, family discount, vehicle storage, and driver training.

If you want the cheapest car insurance quotes, ask every insurance company how many discounts you can get. All car insurance discounts may not apply to policies in your area.

Everyone needs different auto insurance coverages

When it comes to choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

  • When should I buy a commercial auto policy?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Does insurance cover tools stolen from my truck?
  • Can I still get insurance after a DUI?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

What car insurance coverages do you need?

Learning about specific coverages of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision protection

Collision insurance pays for damage to your 626 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree, backing into a parked car, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Mazda 626.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like loss of income, emergency aid, structural damage, repair costs for stationary objects and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive car insurance

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer, fire damage, vandalism and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for chiropractic care, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Final thoughts

Drivers leave their current company for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, an unsatisfactory settlement offer or even being labeled a high risk driver. Regardless of your reason, choosing a new insurance company is easier than you think.

Throughout this article, we presented some good ideas how to save on 1993 Mazda 626 insurance. The key thing to remember is the more companies you get car insurance rates for, the better chance you’ll have of finding affordable car insurance. Consumers could even find that the best price on insurance coverage is with a small mutual company.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at the best price.

More detailed insurance coverage information can be found in the articles below: