1993 Mazda 626 Car Insurance Rates

Scraping up a payment for high-priced Mazda 626 insurance can drain your accounts and force you to cut corners elsewhere. Comparison shopping can lower your rates and help to reduce premiums and put more money in your pocket.

Many insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer and uncover the absolute lowest rate

It’s important to do price comparisons before your policy renews since insurance prices change frequently. Just because you found the best deal for 626 coverage at your last renewal you will most likely find a better premium rate today. Forget all the misinformation about insurance coverage because it’s time to teach you the proper way to reduce your cost while increasing coverage.

If you are insured now or need a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers just need to understand the best way to compare rates on the web.

The most recommended method to compare policy rates is to realize auto insurance companies actually pay money for the chance to compare rate quotes. The one thing you need to do is provide details like if the car is leased, if you are currently licensed, driver details, and coverage limits. That information is submitted instantly to many different companies and you should receive rate quotes immediately.

To compare rates now, click here and enter your zip code.

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Get lower rates with these auto insurance discounts

Not too many consumers would say auto insurance is affordable, but there could be significant discounts to reduce the price significantly. Certain discounts will be applied at the time of purchase, but once in a while a discount must be inquired about prior to receiving the credit.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Low Mileage Discounts – Low mileage vehicles could qualify for slightly better premium rates than normal.
  • Early Renewal Discounts – A few insurance companies give discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • Senior Citizen Rates – Seniors can get a discount up to 10% for 626 coverage.
  • Telematics Data Discounts – Drivers who agree to allow driving data collection to study when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
  • Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
  • Safety Course Discount – Taking a course that instructs on driving safety is a good idea and can lower rates depending on where you live.
  • Homeowners Pay Less – Just owning your own home can help you save on auto insurance since home ownership shows financial diligence.
  • Policy Bundle Discount – If you can combine your home and auto policy with the same company you could earn a discount of up to 20% and get you cheap car insurance.

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will help lower the amount you have to pay.

Companies who might offer many of the previously listed discounts include:

It’s a good idea to ask all companies you are considering to give you their best rates. Some discounts listed above might not apply in your area. To find insurance companies offering auto insurance discounts, follow this link.

Insurance can get complicated

When buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • When would I need additional glass coverage?
  • Who is covered by my policy?
  • Where can I find high-risk insurance?
  • Should I have a commercial auto policy?
  • Are my friends covered when driving my 1993 Mazda 626?
  • Am I covered when driving on a suspended license?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need replacement cost coverage on my 1993 Mazda 626?
  • What if I total my 1993 Mazda 626 and owe more than it’s worth?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

What insurance coverages do you need?

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Mazda 626.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as surgery, doctor visits, funeral costs, EMT expenses and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage covers damage to your 626 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, crashing into a ditch, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverages

Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as pain and suffering, medical services, funeral expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage

This coverage will pay to fix 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 pays for claims like damage from getting keyed, vandalism, a tree branch falling on your vehicle, damage from flooding and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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