View 1998 Mazda 626 Insurance Rates

Looking for lower auto insurance rates? Shoppers have options when shopping for the lowest priced Mazda 626 insurance. They can either spend hours struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There is a better way to shop for auto insurance and we’ll show you the best way to compare rates for your Mazda and get the lowest price from local insurance agents and online providers.

It’s a good habit to price shop coverage every six months due to the fact that insurance prices change quite often. Even if you think you had the best price for 626 coverage on your last policy there may be better deals available now. Don’t believe everything you read about auto insurance out there, but in just a couple of minutes you can learn some tested techniques to lower your auto insurance rates.

How to shop insurance online

Finding cheaper 1998 Mazda 626 insurance rates can be surprisingly simple. Just invest a little time comparing price quotes to see which company has the cheapest auto insurance quotes. This can easily be done in several different ways.

  1. If you don’t have a lot of time, the easiest way to get quotes is a comparison rater form click to view form in new window. This method keeps you from doing multiple quote forms for each price estimate. A single, simple form will return quotes direct from many companies. It’s definitely the quickest method.
  2. A more time consuming way to analyze rates requires you to visit each individual company website and repeat the quote process again and again. For examples sake, we’ll assume you need rates from Liberty Mutual, Progressive and State Farm. In order to compare rates, you need to go to every website and enter your policy data, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.
  3. The least efficient method to get comparison rates is driving around to different agent offices. Comparing rate quotes online makes this unnecessary unless you have a complicated situation and need the professional guidance only provided by licensed agents. You can, however, get the lowest quotes online but have a local agent actually write the policy.

Whichever way you use, make sure you compare identical information on every price quote you get. If you enter different deductibles it will be impossible to get a fair rate comparison.

Use discounts to get cheaper auto insurance rates

Auto insurance companies don’t always advertise all disounts in an easy-to-find place, so here is a list a few of the more common and also the more inconspicuous credits that may apply to you.

  • Accident-Free Discounts – Drivers who stay claim-free get the best auto insurance rates in comparison to drivers who are more careless.
  • Discount for Low Mileage – Driving fewer miles may allow you to get slightly better auto insurancerates than normal.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • Safety Course Discount – Successfully completing a course teaching defensive driver skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Telematics Data Discounts – Insureds who allow companies to analyze when and where they use their vehicle by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks if they have good driving habits.
  • Paperwork-free – Some larger companies provide a small discount get auto insurance over the internet.
  • Save over 55 – If you’re over the age of 55, you may receive lower premium rates for 626 coverage.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower rates.
  • Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.

You should keep in mind that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

If you would like to see a list of providers that offer discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might point out if your situation might need an agent’s assistance.

  • Will my rates increase for filing one claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I make deliveries for my home business?
  • When can my company non-renew my policy?
  • When can I cancel my policy?
  • Is my cargo covered for damage or theft?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I hit a deer?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Learn about car insurance coverages for a Mazda 626

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability insurance

This coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, structural damage, bail bonds and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This coverage pays for damage to your 626 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills for ambulance fees, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mazda 626.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird and falling objects. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Never pay more for less

We’ve covered many ideas to get a better price on 1998 Mazda 626 insurance. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. You may even find the most savings is with a small mutual company.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage only to regret that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Consumers leave their current company for a number of reasons such as policy non-renewal, high prices, denial of a claim and poor customer service. No matter why you want to switch, finding the right insurance coverage provider is not as hard as you think.

For more information, feel free to browse the resources below: