1993 Mazda RX-7 Insurance Quotes

Are you tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as many other consumers. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it is difficult to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

It’s important to do rate comparisons quite often because car insurance prices change quite often. Despite the fact that you may have had the lowest price for RX-7 insurance on your last policy there may be better deals available now. There is a lot of bad advice regarding car insurance online, but you can learn a bunch of ideas how to save money.

If you have insurance now or are looking for a new policy, you can use these tips to find better prices and possibly find even better coverage. Finding affordable coverage is quite easy. Vehicle owners just need to know the proper methods to shop their coverage around on the web.

Compare free car insurance quotes

Performing a rate comparison can take time and effort if you aren’t aware of the most efficient way to do it. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use online quotes to get prices fast.

Many popular insurance companies participate in an industry program that enables customers to enter their coverage request one time, and each participating company then returns a price quote based on that data. This prevents consumers from doing form submissions for every car insurance company.

To find out how much you can save on car insurance click here to open in new window.

The only drawback to comparing rates this way is you cannot specify the companies you want pricing from. If you would rather choose from a list of companies to compare, we have a listing of car insurance companies in your area. Click to view list.

Whichever way you use, ensure you’re using apples-to-apples coverages with each company. If you are comparing higher or lower deductibles you will not be able to decipher which rate is best.

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Learn how to quote car insurance for less

Lots of factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other factors are not as apparent such as whether you are married or how safe your car is.

Gaps in coverage mean higher rates – Driving your car without having proper coverage can get you a ticket and as a result your rates will increase for letting your coverage cancel without a new policy in place. Not only will you pay more, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
Safer the car lower the rate – Safe vehicles can get you lower premiums. Highly rated vehicles reduce occupant injuries and lower rates of occupant injuries means less claims paid passed on to you as lower rates. If your Mazda RX-7 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Are females or males drivers cheaper? – Statistics have proven women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Women and men cause accidents at a similar rate, but men cause more damage. Men also statistically get higher numbers of serious violations like DWI (DUI) or reckless driving. Young males are the most expensive to insure so it costs more to insure them.
Getting married is a bonus – Walking down the aisle may earn you lower rates on your policy. Marriage translates into being more stable financially and it’s proven that married drivers tend to have fewer serious accidents.

Auto insurance policy discounts

Some insurance providers do not advertise every possible discount in an easy-to-find place, so below is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy auto insurance online.

Low Mileage – Maintaining low annual mileage could be rewarded with slightly better auto insurancerates than normal.
Payment Discounts – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
Organization Discounts – Being in qualifying clubs or civic groups could earn you a nice discount when shopping for auto insurance.
Claim Free – Drivers with accident-free driving histories pay less as opposed to frequent claim filers.
Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off the personal injury premium cost.
Include Life Insurance and Save – Larger insurance carriers have lower rates if you buy a life insurance policy as well.
Mature Driver Discount – Drivers that qualify as senior citizens may receive better auto insurance rates for RX-7 insurance.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, you’re out of luck. But all discounts should help lower the amount you pay for coverage.

Auto insurance companies that may offer most of these discounts are:

Before buying, ask each insurance company which discounts you qualify for. Some discounts listed above may not be offered in every state. To see insurance companies that can offer you the previously mentioned discounts, follow this link.

How do I know if I need professional advice?

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

Should I buy only the required minimum liability coverage?
Am I insured when driving a different vehicle?
Am I getting all the discounts available?
Does my 1993 Mazda RX-7 qualify for pleasure use?
Do I pay less for low miles?
Am I covered when driving on a suspended license?
When should I drop full coverage on my 1993 Mazda RX-7?
What can I do if my company denied a claim?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by auto insurance companies.

Auto liability insurance – Liability coverage protects you from damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, repair costs for stationary objects, court costs and medical services. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, X-ray expenses and funeral costs. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mazda RX-7.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, rock chips in glass, hail damage, vandalism and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This pays for damage to your RX-7 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Take this to the bank

Lower-priced 1993 Mazda RX-7 insurance can be found from both online companies and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies don’t offer rate quotes online and most of the time these regional carriers sell through independent agencies.

You just learned quite a bit of information on how to compare 1993 Mazda RX-7 insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding inexpensive auto insurance. You may be surprised to find that the biggest savings come from a smaller regional carrier. Some small companies may have significantly lower prices on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed physical damage coverage only to find out that the savings was not a smart move. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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