1993 Mazda B-Series Pickup Insurance Cost – 7 Tips for Cheapest Prices

Want the cheapest auto insurance rates for your Mazda B-Series Pickup? Are you burned out from sacrificing to keep your car insured? You are in the same boat as many other drivers.

Due to the large number of auto insurance companies to choose from, it can be impossible to pick a lower cost auto insurance company.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Although car owners can benefit from knowing the methods companies use to market on the web.

Save a ton with these seven insurance discounts

Some insurers don’t necessarily list every possible discount very well, so here is a list some of the more common and the more hidden credits that may apply to you.

  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company they may give you a discount of at least 10% off all policies.
  • Own a Home – Simply owning a home can get you a discount because of the fact that having a home shows financial diligence.
  • New Car Discount – Insuring a new car can save you some money compared to insuring an older model.
  • 55 and Retired – Drivers that qualify as senior citizens may be able to get better insurance rates on B-Series pickup insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Data Collection Discounts – People who choose to allow companies to monitor their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive may get a rate reduction if they show good driving skills.
  • Claim-Free Discount – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, you’re out of luck.

Some companies that may offer policyholders most of the discounts above include:

Double check with all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your area. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, click here.

How much does insurance coverage cost?

To get cheaper car insurance quotes, there a variety of ways to get quotes from many insurance coverage companies in your state. The simplest method to compare Mazda B-Series Pickup insurance prices is to jump online and get quotes. It’s really quite simple and can be done in several different ways.

The fastest way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing repetitive form entry for every company. One quote request gets you coverage quotes direct from many companies.

Another way to get quotes online is spending the time to visit the website of each company and fill out a new quote form. For sake of this example, we’ll assume you want to get rates from Farmers, GEICO and Liberty Mutual. You would have to navigate to each company’s site and type in your information over and over, and that explains why we recommend the first method.

For a list of companies in your area, click here.

The least recommended way to compare rates is driving to each insurance agency near you. Comparing rates online reduces the need to sit down with an agent unless you require the extra assistance of an agent trained in personal lines coverage. It is possible to compare online quotes but buy the policy through an agent.

Whichever way you choose to compare rates, do your best to use equivalent coverages and limits for each comparison quote. If you are comparing differing limits it will be next to impossible to make a fair rate comparison. Slightly different coverages could skew the results. It’s important to know that comparing more company’s prices gives you a better chance of getting better pricing.

Insurance coverage can get complicated

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • Why do I only qualify for high-risk insurance?
  • Is my 1993 Mazda B-Series Pickup covered for smoke damage?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy pay for OEM or aftermarket parts?
  • At what point should I drop full coverage?
  • When should I drop full coverage on my 1993 Mazda B-Series Pickup?
  • What is medical payments coverage?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like dental work, ambulance fees, doctor visits, nursing services and funeral costs. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage covers damage to your B-Series Pickup resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1993 Mazda B-Series Pickup.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, theft, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Summing up your insurance search

In this article, we covered a lot of tips how to lower your 1993 Mazda B-Series Pickup insurance premium rates. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable car insurance. You may even find the biggest savings come from some of the lesser-known companies. These companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you quote car insurance, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone dropped full coverage only to find out that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at an affordable rate and still be able to protect your assets.

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