Cheaper 1997 Mazda 626 Insurance Quotes

Searching for lower auto insurance rates? Consumers have lots of choices when looking for low-cost Mazda 626 insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to find the lowest rates.

There is a better way to buy auto insurance so you’re going to learn the best way to compare rates for your Mazda and locate the lowest possible price from local insurance agents and online providers.

It’s a great practice to take a look at other company’s rates occasionally since prices change quite often. Just because you found the best price on 626 coverage six months ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the best methods to eliminate unnecessary coverages and save money.

How much does insurance cost?

Getting a more affordable price on 1997 Mazda 626 insurance is actually quite simple. All that’s required is to spend a few minutes on the computer getting comparison quotes online with multiple companies. Comparing prices online can be done by following the guidelines below.

The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do boring form submissions for each price estimate. One simple form will return quotes instantly. This is perfect if you don’t have a lot of time.
A more time consuming way to compare rate quotes requires you to visit each company’s website to request a price quote. For examples sake, we’ll assume you are doing a rate comparison from Nationwide, Esurance and Allstate. To get each rate you have to go to every website to enter the same coverage data repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
The least recommended way to compare price quotes is calling or driving to and from local insurance agencies. The fact that you can get quotes online can eliminate the need for a local agent unless you have a complicated situation and need the trained guidance that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to get prices online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just be certain you are entering exactly the same coverage data on every quote you get. If you enter unequal deductibles or liability limits it will be nearly impossible to make a fair comparison for your Mazda 626.

Get cheap rates with these car insurance discounts

Car insurance is not cheap, but you might find some hidden discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but occassionally some discounts must be asked for prior to receiving the credit. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

Multiple Cars – Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
Homeowners Discount – Just being a homeowner may trigger a policy discount on car insurance because of the fact that having a home means you have a higher level of financial diligence.
No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts in comparison to policyholders that have many claims.
Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
Membership in Organizations – Belonging to a professional or civic organization could qualify you for a break when shopping for car insurance.
Theft Prevention System – Cars with anti-theft systems help deter theft and therefore earn up to a 10% discount.
Low Mileage Discounts – Low annual miles can earn cheaper prices.
Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
Multi-policy Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

Companies and a summarized list of policyholder discounts are detailed below.

GEICO offers premium reductions for military active duty, anti-theft, air bags, federal employee, and multi-policy.
Mercury Insurance may include discounts for anti-theft, age of vehicle, location of vehicle, annual mileage, multi-car, low natural disaster claims, and ease of repair.
Farmers Insurance discounts include distant student, electronic funds transfer, youthful driver, mature driver, early shopping, and multi-car.
Auto-Owners Insurance offers discounts including multiple vehicles, safe vehicle, anti-lock brakes, company car, paid in full, air bags, and good student.
Liberty Mutual may offer discounts for hybrid vehicle, new vehicle discount, good student, teen driver discount, and new graduate.
SAFECO has discounts for drive less, safe driver, anti-theft, teen safe driver, anti-lock brakes, and teen safety rewards.
Progressive policyholders can earn discounts including good student, online quote discount, homeowner, multi-policy, multi-vehicle, online signing, and continuous coverage.
USAA may have discounts that include good student, driver training, annual mileage, new vehicle, military installation, and multi-vehicle.

It’s a good idea to ask each insurance company how you can save money. Savings may not be offered in your area. If you would like to choose from a list of insurers who offer free car insurance quotes, click here.

Auto insurance can get complicated

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you will benefit from professional help.

Will I lose any money if I cancel my policy before it expires?
Are my tools covered if they get stolen from my vehicle?
Is a new car covered when I drive it off the dealer lot?
Does my policy cover my teen driver if they drive my company car?
Is my ex-spouse still covered by my policy?
How much can I save by bundling my policies?
Does my medical payments coverage pay my health insurance deductible?
What can I do if my company denied a claim?
Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverage specifics

Learning about specific coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability

Liability coverage will cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of 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 policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, court costs and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for collisions

Collision coverage covers damage to your 626 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda 626.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from 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 things like hitting a deer, vandalism, a tree branch falling on your vehicle and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills like ambulance fees, rehabilitation expenses and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible