Compare 1996 Mazda 626 Insurance Quotes

Want cheaper insurance coverage rates for your Mazda 626? No sane person likes having to buy insurance coverage, in particular when their premiums are too high. Lots of auto insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive best rates possible.

If you are insured now or are looking for a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to understand the best way to compare company rates online.

These discounts can reduce insurance coverage rates

Companies that sell car insurance do not list the entire discount list in a way that’s easy to find, so we break down both well-publicized and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

  • Military Discounts – Being on active deployment in the military could mean lower insurance coverage rates.
  • Discounts for Responsible Drivers – Accident-free drivers may save up to 50% more on 626 coverage than less cautious drivers.
  • Save over 55 – Older drivers may receive a small discount on rates on 626 coverage.
  • Anti-theft System – Cars optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Government Employees – Having worked for a branch of the government can save as much as 8% on 626 coverage with certain companies.
  • Waiver for an Accident – Not a discount per se, but certain companies permit an accident without raising rates with the catch being you have to be claim-free for a specific time period.

One last thing about discounts, most credits do not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

Larger insurance coverage companies and some of the premium reductions they offer include:

  • State Farm offers discounts including multiple policy, Drive Safe & Save, driver’s education, anti-theft, Steer Clear safe driver discount, good driver, and good student.
  • Nationwide offers discounts for business or organization, easy pay, anti-theft, accident-free, defensive driving, good student, and Farm Bureau membership.
  • GEICO includes discounts for emergency military deployment, military active duty, air bags, multi-vehicle, federal employee, anti-lock brakes, and driver training.
  • AAA may offer discounts for good driver, multi-policy, education and occupation, good student, and pay-in-full.
  • 21st Century may include discounts for early bird, driver training, student driver, 55 and older, air bags, and automatic seat belts.
  • The Hartford discounts include defensive driver, good student, vehicle fuel type, bundle, anti-theft, driver training, and air bag.

Before purchasing a policy, check with each company or agent to give you their best rates. Some discounts might not be offered in every state. To see insurance companies who offer online insurance coverage quotes, click here.

Where can I get affordable insurance?

Getting a cheaper price on 1996 Mazda 626 insurance can be relatively painless. You just have to invest a few minutes to get quotes to discover which company has low cost insurance coverage quotes. This can easily be done using a couple different methods.

  1. The single most time-saving way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do repetitive form entry for every company. Completing one form gets you coverage quotes from many national carriers.
  2. A different way to shop for insurance online requires visiting each company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare USAA, Safeco and Travelers. In order to get each rate, you would have to visit each site and repeatedly type in your coverage information, which can take a lot of time.

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

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverage limits and deductibles for each comparison quote. If you enter different data you will not be able to make an equal comparison.

When do I need an agent’s advice?

When it comes to choosing coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Is my cargo covered for damage or theft?
  • I have a DUI can I still get coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can my babysitter drive my car?
  • What can I do if my company denied a claim?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance 101

Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for things like funeral costs, dental work and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, fire damage, theft and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as loss of income, structural damage and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mazda 626.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Best coverage at the best price

While you’re price shopping online, do not reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

We just presented a lot of information how to get a better price on 1996 Mazda 626 insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates are with a small local company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

Much more information about insurance can be found on the following sites: