1997 Mazda B-Series Pickup Insurance Quotes

Trying to find lower car insurance rates for your Mazda B-Series Pickup? If you’re shopping for lower-priced insurance online, do you get frustrated by the wide range of car insurance sources that you can choose from? Many other drivers are as well. You have so many choices that it is a chore to find the best rates.

It’s smart to quote other rates every six months because prices change frequently. Just because you had the best price on B-Series pickup coverage a couple years back you may be paying too much now. Block out anything you think you know about car insurance because I’m going to teach you the best way to save on car insurance.

Auto Insurance Discounts

Companies that sell car insurance don’t always list every possible discount in an easy-to-find place, so below is a list both the well known in addition to some of the lesser obvious ways to save on auto insurance.

  • Military Rewards – Being on active duty in the military can result in better premium rates.
  • Telematics Data Discounts – Drivers who elect to allow data collection to spy on vehicle usage by using a telematic data system like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on B-Series pickup coverage depending on your company.
  • Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • Life Insurance Discount – Insurance companies who offer life insurance give a lower auto insurance rate if you buy a life policy as well.
  • Homeowners Discount – Owning your own home or condo can save you money because it means you have a higher level of financial diligence.
  • Savings for New Vehicles – Adding a new car to your policy is cheaper because newer vehicles have to meet stringent safety requirements.
  • Club Memberships – Having an affiliation with qualifying employment or professional organizations could trigger savings on your next renewal.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way.

To view insurance companies that offer the discounts shown above, click this link.

How much is insurance coverage?

To find low cost quotes, there are a couple of ways of comparing rates from many available insurance coverage companies in your state. One of the best ways to comparison shop involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The most recommended method to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate quotation requests for every prospective company. One simple form will return quotes from several companies. It’s definitely the quickest method.
  2. A more difficult way to analyze rates requires a trip to the website for every company you want to comare and repeat the quote process again and again. For example, let’s assume you want to compare prices for State Farm, Farmers and Allstate. To get each rate you have to navigate to each company’s site to enter the same coverage data repeatedly, which can get rather old. For a handy list of car insurance company links in your area, click here.
  3. Even if you have time, the least recommended method to find cheaper rates is to drive around to insurance agencies in your area. The ability to get quotes online reduces the need to sit down with an agent unless you have a need for the trained advice of a local agent. You can, however, compare online quotes but have your policy serviced through an agent.

It’s up to you which method you use, but compare exactly the same quote information for every company. If you compare different coverage information it’s impossible to make a fair comparison for your Mazda B-Series Pickup. Just slight variations in coverages could throw off the whole comparison. Keep in mind that getting more free quotes provides better odds of finding a better price. Some regional insurers cannot provide online rate quotes, so you need to compare prices from the smaller companies as well.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 1997 Mazda B-Series Pickup?
  • Does my car insurance cover rental cars?
  • Am I missing any policy discounts?
  • How can I find cheaper teen driver insurance?
  • Why do I only qualify for high-risk insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my 1997 Mazda B-Series Pickup need full coverage?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage options for a Mazda B-Series Pickup

Understanding the coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage protection

This coverage will pay to fix damage to your B-Series Pickup resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda B-Series Pickup.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills like hospital visits, ambulance fees, X-ray expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, falling objects, vandalism and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Never pay more for less

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped physical damage coverage to discover at claim time that it was a big mistake. Your goal is to purchase plenty of coverage at the best cost and still be able to protect your assets.

We’ve covered some good ideas how to compare 1997 Mazda B-Series Pickup insurance auto insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding affordable auto insurance. Consumers may even find the best auto insurance rates are with the least-expected company.

Cost effective 1997 Mazda B-Series Pickup insurance can be purchased on the web as well as from insurance agents, so you need to quote auto insurance with both to get a complete price analysis. Some insurance providers do not provide internet price quotes and these regional carriers only sell coverage through local independent agencies.

More detailed car insurance information can be read by following these links: