Cheaper 1993 Mazda 323 Insurance Rates

Consumers have a choice when looking for the best price on Mazda 323 insurance. You can either spend your time contacting agents trying to get quotes or use the internet to make rate comparisons.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the quickest way to compare rates for a new or used Mazda and find the lowest possible price.

It’s a good idea to get comparison quotes every six months because prices are usually higher with each renewal. Just because you had the best quotes on 323 insurance a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out the tricks you need to know to properly buy coverages while reducing your premium.

Compare car insurance rates

There are a lot of ways you can shop for car insurance and some are more efficient than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.

The majority of car insurance companies participate in a marketplace that enables customers to complete one form, and each participating company then returns a price quote determined by their information. This system prevents you from having to do form submissions to every company.

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

One minor caviat to doing it this way is that consumers can’t choose the insurers to get quotes from. So if you want to choose from a list of companies to compare prices, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you’re using exactly the same coverage limits and deductibles for each comparison quote. If your comparisons have differing limits you will not be able to find the best deal for your Mazda 323.

Drivers save money with these premium-slashing discounts

Companies that sell car insurance don’t always advertise all available discounts very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious ways to save on auto insurance.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
  • Membership in Organizations – Being in qualifying clubs or civic groups may earn a discount on your policy.
  • Switch and Save Discount – A few larger companies offer discounts for switching to them prior to your current policy expiration. It could save around 10% when you buy car insurance online.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower prices.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the personal injury premium cost.

As is typical with insurance, many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky.

A partial list of companies that may offer quotes with most of the discounts above are:

If you are trying to find cheap car insurance quotes, ask every prospective company which discounts they offer. A few discounts may not be available everywhere. If you would like to view companies with discount rates, follow this link.

You can change your insurance costs

Many factors are used when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other factors are not as apparent such as whether you are married or how financially stable you are.An important part of buying insurance is that you know the factors that come into play when calculating your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that could help you find big savings.

  • Females tend to take less risk – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Women and men are in accidents in similar percentages, but the males have costlier accidents. Men also tend to receive more costly citations like DWI (DUI) or reckless driving.
  • Single vs. married – Your spouse actually saves money when shopping for insurance. Marriage usually means you are more stable financially and statistics show drivers who are married are more cautious.
  • Get a ticket, pay higher prices – Good drivers pay less for auto insurance as compared to those with violations. Having just one speeding ticket can increase rates by twenty percent. Drivers unfortunate enough to have serious violations like DUI or reckless driving might be required by their state to prove financial responsibility with their state’s licensing department in order to legally drive.
  • Stay claim-free and lower prices – Auto insurance companies provide better rates to drivers who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended to be relied upon for claims that pose a financial burden.
  • Reduce premiums by driving vehicles with better crash test results – Safe vehicles cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts which can result in lower premiums. If your Mazda 323 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Low comp and collision deductibles can be expensive – Protection for physical damage, also known as collision and other-than-collision, protects your Mazda from damage. Examples of covered claims are collision with another vehicle, damage caused by hail, and having your car stolen. The deductibles you choose represent how much money you are willing to pay out-of-pocket if you file a covered claim. The more you choose to pay out-of-pocket, the less money you will pay for insurance on 323 insurance.
  • More annual miles equals more premium – The more miles you rack up on your Mazda every year the more it will cost to insure it. A lot of companies rate vehicles based upon how you use the vehicle. Cars left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Double check that your insurance declarations sheet reflects the correct usage for each vehicle. Incorrect rating for your 323 can result in significantly higher rates.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Am I missing any policy discounts?
  • Do I have coverage if my license is suspended?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I get collision insurance on every vehicle?
  • Is my 1993 Mazda 323 covered for flood damage?
  • What can I do if my company denied a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage when making deliveries for my home business?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Can you really save that much by switching?

Consumers can’t get away from ads for cheaper insurance coverage by companies like GEICO, State Farm and Progressive. They all make an identical promise about how much you will save if you change your policy.

How can each company offer you a better deal? This is the trick they use.

Insurance companies have strict underwriting profiles for the type of customer that will be a good risk. A good example of a profitable risk profile may be a female over age 40, has had continuous coverage, and drives a car with an anti-theft system. Anybody who matches those parameters will probably get the lowest rates and therefore will save a lot if they switch.

Potential customers who don’t meet these standards may be required to pay higher premium rates and the customer buying from someone else. If you listen closely, the ads state “people who switch” not “everyone who quotes” save that much. That is how insurance companies can make the claims of big savings.

That is why you really should compare free car insurance quotes often. It is impossible to guess the company that will have better premium rates than you’re paying now.

Insurance coverage breakdown

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, damage from flooding, a broken windshield, hitting a deer and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This coverage can cover damage or injury you incur to a person or their property. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, medical services, loss of income, emergency aid and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for things like ambulance fees, hospital visits and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Quote more. Save more.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, an insured dropped liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

Low-cost 1993 Mazda 323 insurance can be purchased from both online companies as well as from insurance agents, so get free car insurance quotes from both of them so you have a total pricing picture. A few companies do not provide the ability to get quotes online and most of the time these small insurance companies only sell through independent insurance agencies.

Insureds change insurance companies for any number of reasons including questionable increases in premium, policy non-renewal, denial of a claim and an unsatisfactory settlement offer. Whatever your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

Additional detailed information can be found at these sites: