2000 Mazda B-Series Pickup Insurance Rates – 6 Savings Tips

Looking for lower auto insurance rates for your Mazda B-Series Pickup? Finding low-cost insurance for a Mazda B-Series Pickup can be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find auto insurance online and we’ll show you the best way to compare rates on a Mazda and obtain the lowest price.

Choosing the best insurance company for you is quite easy. If you have a current insurance coverage policy or need a new policy, you can use this information to get lower rates while maintaining coverages. Consumers only need an understanding of how to find the lowest price on the web.

Save a ton with these six discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but a few must be manually applied before they will apply.

  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Paperless Signup – A few insurance companies provide a small discount for signing up online.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations may earn a discount on your next insurance statement.
  • Employee of Federal Government – Federal government employees can save as much as 8% for B-Series pickup coverage depending on your insurance provider.
  • Payment Method – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.
  • Distant College Student Discount – Kids who are attending college and do not have a car may be insured at a cheaper rate.

As a footnote on discounts, most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free insurance policy, you’re out of luck.

Popular insurance companies and some of their more popular discounts include:

  • State Farm may have discounts that include anti-theft, multiple policy, accident-free, good student, and multiple autos.
  • Progressive includes discounts for continuous coverage, online signing, online quote discount, multi-policy, homeowner, and good student.
  • Progressive offers discounts for online signing, multi-policy, continuous coverage, good student, multi-vehicle, online quote discount, and homeowner.
  • MetLife has discounts for good driver, claim-free, defensive driver, good student, and accident-free.
  • Farm Bureau may offer discounts for multi-policy, multi-vehicle, safe driver, youthful driver, driver training, and renewal discount.
  • GEICO may include discounts for emergency military deployment, defensive driver, multi-policy, anti-lock brakes, multi-vehicle, and good student.
  • SAFECO has savings for anti-theft, teen safe driver, safe driver, bundle discounts, and multi-car.

Before you buy a policy, ask all the companies which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in your area. To locate insurance companies that offer discounts, click here to view.

What is the best car insurance coverage?

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • When should I drop full coverage on my 2000 Mazda B-Series Pickup?
  • Am I covered if I break a side mirror?
  • Can I get a multi-policy discount?
  • Why do I need rental car insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Does my car insurance cover rental cars?
  • Is my nanny covered when driving my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my 2000 Mazda B-Series Pickup qualify for pleasure use?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Advertising myths

Drivers can’t get away from ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all say the same thing that you’ll save big just by moving your coverage to them.

But how can every company charge you a lower premium? This is how they do it.

Many companies have a preferred profile for the type of customer that will most likely be profitable. For example, a driver they prefer could be between the ages of 30 and 50, has few claims, and drives a lower-performance vehicle. Any driver who matches that profile gets the lowest prices as well as pay quite a bit less when switching companies.

Insureds who don’t qualify for the “perfect” profile will be quoted a higher rate and the customer buying from a different company. The ads say “people who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can lure you into getting a quote. Different companies use different criteria so you need to compare price quotes frequently. Because you never know with any certainty which company will have the best rates for your profile.

Insurance specifics

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like emergency aid, pain and suffering and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision protection

Collision coverage pays for damage to your B-Series Pickup from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for dental work, pain medications, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Final thoughts

We just showed you a lot of information how to reduce 2000 Mazda B-Series Pickup insurance auto insurance rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the best price on car insurance is with a lesser-known regional company.

When getting insurance quotes online, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured dropped full coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Consumers switch companies for many reasons like delays in paying claims, being labeled a high risk driver, denial of a claim and even delays in responding to claim requests. It doesn’t matter what your reason, finding a new car insurance company can be easy and end up saving you some money.

Much more information about car insurance can be found at these links: