Lower Your 1998 Mazda 626 Car Insurance Quotes

No one loves paying for insurance coverage, in particular when they could get a better deal. Many insurers compete for your business, so it can be very hard to choose a provider to find the absolute lowest rate

If you are insured now or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to understand the most efficient way to shop their coverage around over the internet.

First Step: Get free insurance coverage quotes

Effectively comparing insurance coverage prices can be exhausting if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use the internet to get prices fast.

Many companies participate in an industry program that allows shoppers to submit their information once, and every company returns a competitive quote based on that information. This prevents consumers from doing form submissions to each company.

To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to using this type of form is you cannot specify the insurers to get quotes from. If you wish to select from a list of companies to receive pricing from, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but do your best to enter exactly the same coverage limits and deductibles with every price quote. If you compare different data you will not be able to determine the best price for your Mazda 626.

These discounts can lower insurance coverage rates

Buying insurance coverage is not cheap, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you get a quote, but occassionally some discounts must be manually applied before you will receive the discount.

No Charge for an Accident – but a few companies such as GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
Telematics Discount – People who choose to allow driving data submission to spy on vehicle usage through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
Pay Early and Save – By paying your entire bill at once instead of making monthly payments you may have a lower total premium amount.
Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
Low Mileage – Keeping the miles down on your Mazda can qualify you for better insurance coveragerates on cars that stay parked.
Auto/Home Discount – If you combine your homeowners and auto policies with the same insurance company you could save approximately 10% to 15%.
Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction on 626 coverage with a few insurance coverage companies.
Good Student – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Some of the larger companies who may offer many of the previously listed discounts possibly include:

When getting free insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Some discounts may not apply to policies everywhere. To view insurers with discount rates, click here to view.

When do I need an agent’s advice?

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine if your insurance needs could use an agent’s help.

Do I have any recourse if my insurance company denies a claim?
Which is better, split liability limits or combined limits?
What should my uninsured motorist coverage limits be in my state?
Should I file a claim if it’s only slightly more than my deductible?
Can I pay claims out-of-pocket if I buy high deductibles?
Will my rates increase for filing one claim?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Learning about specific coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Collision coverage

This pays for damage to your 626 caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle, hitting a bird and falling objects. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for hospital visits, pain medications, dental work, EMT expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that 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 a good idea.

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as medical expenses, structural damage, emergency aid, funeral expenses and loss of income. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.