1998 Mazda MPV Car Insurance Quotes – 9 Tips for Best Rates

Trying to find better auto insurance rates for your Mazda MPV? Locating budget-priced auto insurance might seem difficult for consumers who are new to comparing and buying auto insurance on the web. With dozens of companies competing online, how are consumers expected to have a chance to compare all the different companies and get the best pricing?

Buying car insurance is quite easy. Basically, everyone who has to buy insurance coverage stands a good chance to be able to save money. But car owners should learn the methods companies use to price online insurance and use this information to your advantage.

How to compare free auto insurance price quotes

Shopping for lower auto insurance rates can be a lot of work if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) driving to agents in your area, or you could save time and use online quoting to get pricing more quickly.

Many insurance companies enroll in a system where prospective buyers only type in their quote data once, and each company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests to every company.

To find out how much you can save on auto insurance click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify which providers you want pricing from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

However you get your quotes, make absolute certain that you use nearly identical coverage limits and deductibles for each comparison quote. If each company quotes different limits and deductibles on each one you can’t possibly determine which rate is truly the best. Just a small difference in limits can mean a large discrepancy in price. And when comparison shopping, comparing more company’s prices will increase your chances of finding lower pricing.

Get lower-cost insurance quotes with discounts

Insurance can be pricey, but there’s a good chance there are discounts to cut the cost considerably. Most are applied at the time of quoting, but a few need to be specially asked for in order for you to get them. If they aren’t giving you every credit you deserve, you could be paying more than you need to.

  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
  • First Accident Forgiveness – This isn’t a discount exactly, but certain companies will let one accident slide before your rates go up if you are claim-free prior to the accident.
  • Seat Belt Usage – Requiring all passengers to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Switch and Save Discount – Select companies give a discount for switching policies before your current policy expires. Ten percent is about the average savings.
  • Federal Employees – Federal government employees may qualify for a discount when you quote auto insurance for MPV coverage with certain companies.
  • Passive Restraint Discount – Cars that have air bags can get savings of 20 to 30 percent.
  • Good Student – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Onboard Data Collection – Insureds who allow data collection to analyze when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks if they are good drivers.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.

We need to note that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, nobody gets a free ride.

A list of companies and a summarized list of policyholder discounts are included below.

  • State Farm offers discounts including multiple policy, Drive Safe & Save, driver’s education, accident-free, anti-theft, and Steer Clear safe driver discount.
  • Progressive has discounts for homeowner, multi-vehicle, multi-policy, continuous coverage, and online signing.
  • Travelers has savings for home ownership, multi-policy, hybrid/electric vehicle, driver training, continuous insurance, and good student.
  • American Family may offer discounts for accident-free, early bird, TimeAway discount, defensive driver, and mySafetyValet.
  • Liberty Mutual discounts include preferred payment discount, newly retired, good student, exclusive group savings, multi-policy, and multi-car.

If you need lower rates, check with each company which credits you are entitled to. Depending on the company, some discounts might not be offered in your area. To view companies who offer insurance discounts, click here.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether your personal situation may require specific advice.

  • Does coverage extend to my business vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When should my teen driver be added to my policy?
  • When should I drop full coverage on my 1998 Mazda MPV?
  • Does coverage extend to a rental car in a foreign country?
  • What is an SR-22 filing?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Will you really save $469 on auto insurance?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run television, radio, and online ads. All the companies try to convey promises that you can save just by moving your coverage to them. How does every auto insurance company charge you less for car insurance? Here is the trick they use.

Insurance companies give the cheapest rates for the type of customer that will generate a profit. An example of this type of risk profile might be over the age of 40, owns their home, and drives a car with an anti-theft system. Anyone that hits that “sweet spot” may get the lowest rates and will probably pay quite a bit less when switching companies.

Potential insureds who fall short of those standards will be charged a higher premium and this results in the customer buying from a different company. If you listen closely, the ads state “customers that switch” not “all people who quote” save that kind of money. That’s why insurance companies can confidently advertise the way they do. Because each company has a different risk profile, you really should compare as many free auto insurance quotes as you can. It’s just too difficult to predict which company will give you lower prices than your current company.

Information about specific coverages

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against claims such as vandalism, damage from getting keyed and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for rehabilitation expenses, prosthetic devices, EMT expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance covers damage to your MPV resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, hitting a parking meter, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.


Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as bail bonds, pain and suffering, attorney fees, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

A penny earned…

As you restructure your insurance plan, you should never buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret they didn’t have enough coverage. The goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Budget-conscious 1998 Mazda MPV insurance is available on the web in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. A few companies don’t offer the ability to get quotes online and these regional carriers sell through local independent agents.

People change insurance companies for a number of reasons such as policy cancellation, high rates after DUI convictions, high prices or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right car insurance provider is actually quite simple.

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