1992 Mazda 626 Insurance Quotes – 10 Ideas for Best Rates

Looking for the cheapest car insurance rates for your Mazda 626? Do you get exhausted from not being able to scrape enough together each month for car insurance? You are in the same boat as many other people. Multiple insurance companies compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute best price available.

Smart consumers take time to check car insurance prices occasionally because prices fluctuate regularly. Despite the fact that you may have had the best quotes for 626 insurance last year there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you’re going to learn the quickest way to properly buy coverages and cut your premium.

Verify you’re applying every discount

Some insurance providers don’t always publicize all available discounts in a way that’s easy to find, so we researched a few of the more well known and also the more inconspicuous credits available to you. If you’re not getting every credit possible, you are paying more than you should be.

  • Seat Belt Discounts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off the medical payments premium.
  • No Claim Discounts – Drivers who don’t have accidents get the best auto insurance rates when compared to frequent claim filers.
  • Organization Discounts – Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.
  • Driving Data Discount – Insureds that choose to allow driving data submission to spy on their driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they have good driving habits.
  • Military Deployment Discount – Being deployed in the military may lower your auto insurance rates slightly.
  • Paperless Signup – Many companies provide a small discount for buying your policy over the internet.
  • Senior Citizens – If you’re over the age of 55, you can get reduced rates for 626 insurance.
  • Driver Training Discounts – Taking time to complete a defensive driver class is a good idea and can lower rates if your company offers it.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home shows financial diligence.

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.

Larger auto insurance companies and a summarized list of policyholder discounts are included below.

  • American Family policyholders can earn discounts including multi-vehicle, defensive driver, mySafetyValet, Steer into Savings, good driver, good student, and TimeAway discount.
  • Farm Bureau discounts include multi-vehicle, safe driver, renewal discount, youthful driver, and good student.
  • State Farm includes discounts for good student, Drive Safe & Save, multiple policy, driver’s education, passive restraint, safe vehicle, and anti-theft.
  • Travelers has discounts for good student, home ownership, student away at school, IntelliDrive, multi-policy, driver training, and early quote.
  • The Hartford offers premium reductions for anti-theft, air bag, vehicle fuel type, defensive driver, good student, driver training, and bundle.
  • GEICO offers discounts for seat belt use, driver training, federal employee, multi-policy, and daytime running lights.
  • Progressive may offer discounts for multi-vehicle, online signing, continuous coverage, online quote discount, good student, homeowner, and multi-policy.

Check with each company to apply every possible discount. Some credits may not be available in your area.

Buy car insurance online

Getting a cheap price on 1992 Mazda 626 insurance can be relatively painless. Consumers just need to spend a little time comparing price quotes provided by online insurance companies. It’s super easy and can be done in several different ways.

  • The most recommended method consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This quick form keeps you from doing boring form submissions to each individual car insurance company. Completing one form compares rates from many national carriers.
  • A harder way to obtain and compare quotes online requires you to visit the website of each company and fill out their own quote form. For sake of this example, we’ll pretend you want to compare USAA, Safeco and Liberty Mutual. In order to compare rates, you need to go to every website and type in your information over and over, which can take a lot of time.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but try to keep equivalent coverage limits for every company. If the quotes have different values for each quote you will not be able to decipher which rate is best.

When should I discuss my situation with an agent?

When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. For example, these questions could help you determine whether you might need an agent’s assistance.

  • Why am I required to buy liability insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my car insurance cover rental cars?
  • Is business equipment covered while in my vehicle?
  • Am I covered if my car is in a flood?
  • Why do I need rental car insurance?
  • When should I remove comp and collision on my 1992 Mazda 626?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverage information

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, falling objects and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision coverage pays for damage to your 626 caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, crashing into a building, hitting a parking meter 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 vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, medical expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mazda 626.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for EMT expenses, funeral costs, X-ray expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Best coverage at the best price

We’ve covered a lot of information how to get a better price on 1992 Mazda 626 insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your premium rates. Drivers may discover the lowest priced insurance comes from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

The cheapest 1992 Mazda 626 insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and most of the time these smaller providers prefer to sell through independent agents.

For more information, link through to the following helpful articles: