How Much Does 1993 Mazda MX-3 Car Insurance Cost?

Want cheaper car insurance rates for your Mazda MX-3? I doubt anyone looks forward to paying premiums for car insurance, especially when they know they could get a better deal.

Multiple insurers compete for your insurance dollar, so it’s not easy to compare every provider and get the definite best rate

You should make it a habit to do price comparisons at least once a year since prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates for MX-3 insurance last year there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the proper way to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you will be able to save some money using this information. Finding the best rates is quite easy. But car owners must understand the methods companies use to market on the web and apply this information to your search.

Shop auto insurance online

Effectively comparing auto insurance prices can be challenging if you don’t utilize the easiest way. You could waste a few hours talking about coverages with insurance agencies in your area, or you could use online quoting to get prices fast.

Many of the larger companies take part in a program that allows shoppers to only type in their quote data once, and at least one company provides a quote based on that data. This prevents consumers from doing form submissions for every auto insurance company. To submit your quote information now, click to open in new window.

The only drawback to using this type of form is that consumers can’t choose the companies you want to price. If you wish to select specific providers for rate comparison, we have a listing of auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare nearly identical quote information on every quote. If you use different liability limits it will be impossible to decipher which rate is best. Quoting even small variations in coverage limits could skew the results. And when comparing auto insurance rates, know that getting more free quotes provides better odds of finding a lower rate than you’re paying now.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you may require specific advice.

  • What is high-risk coverage and where do I buy it?
  • I have a DUI can I still get coverage?
  • Do I have coverage when making deliveries for my home business?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered by my spouse’s policy after a separation?
  • What can I do if my company won’t pay a claim?
  • Do I need roadside assistance coverage?
  • How high should my medical payments coverage be?
  • Am I covered when using my vehicle for business?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverages for a Mazda MX-3

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses like nursing services, X-ray expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability – Liability coverage can cover damage that occurs to a person or their property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like loss of income, legal defense fees, medical services, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as much as you can afford.

Collision coverages – Collision coverage covers damage to your MX-3 from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, hitting a mailbox, colliding with another moving vehicle, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mazda MX-3.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.