2004 Mazda B-Series Truck Car Insurance Rates – 7 Ideas for Cheapest Quotes

Are you at wits end from being strong-armed to pay high insurance coverage rates every month? You’re in the same situation as millions of other consumers. There are many insurance companies to pick from, and although it’s a good thing to have a choice, it can be more difficult to find the lowest rates.

Finding the cheapest car insurance coverage is simple if you know the tricks. If you have insurance now or are looking for a new policy, you can use these techniques to get lower rates and possibly find even better coverage. Drivers only need an understanding of the tricks to shop for car insurance over the internet.

Low cost insurance prices

Comparing insurance rates can be a lot of work if you don’t utilize the most efficient way to do it. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many popular insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each company then gives them pricing based on that data. This system prevents you from having to do quotation requests to each company.

To compare rates now click to open in new window.

The single downside to using this type of form is that you can’t choose the companies you will receive quotes from. If you prefer to choose specific providers to compare, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but be sure to compare the exact same coverage limits and deductibles on every price quote you get. If your comparisons have mixed coverages you will not be able to make a fair rate comparison.

Find hidden discounts to get affordable insurance quotes

Insurance is neither fun to buy or cheap, but you might find some hidden discounts to help bring down the price. A few discounts will be applied when you quote, but some must be requested specifically before you will receive the discount. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

• Telematics Data Discounts – Drivers that enable driving data collection to track when and where they use their vehicle by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they show good driving skills.
• Driver Safety – Successfully completing a course that instructs on driving safety could save 5% or more and easily pay for the cost of the class.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
• Accident Free – Insureds with no claims or accidents pay much less compared to policyholders that have many claims.
• College Student Discount – Older children who live away from home to go to college without a vehicle on campus could qualify for this discount.
• Good Student – Performing well in school may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students up until you turn 25.
• Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

Keep in mind that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous.

The best insurance companies and a partial list of their discounts are included below.

• State Farm has discounts for good driver, multiple policy, multiple autos, Drive Safe & Save, anti-theft, driver’s education, and accident-free.
• Farmers Insurance offers premium reductions for early shopping, teen driver, business and professional, multi-car, electronic funds transfer, homeowner, and pay in full.
• GEICO discounts include driver training, membership and employees, federal employee, defensive driver, and emergency military deployment.
• American Family policyholders can earn discounts including mySafetyValet, multi-vehicle, good driver, bundled insurance, accident-free, TimeAway discount, and good student.
• Nationwide may include discounts for anti-theft, Farm Bureau membership, easy pay, good student, defensive driving, and multi-policy.
• Progressive may have discounts that include online signing, good student, online quote discount, multi-vehicle, multi-policy, and continuous coverage.

If you need lower rates, check with every prospective company which discounts you qualify for. Depending on the company, some discounts may not apply everywhere. If you would like to choose from a list of providers who offer online insurance quotes, click here to view.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine if you may require specific advice.

• How do I buy GAP insurance?
• Why is insurance for a teen driver so high?
• Do I need added coverage for expensive stereo equipment?
• Am I covered if I hit a deer?
• When should my teen driver be added to my policy?
• Can I afford to buy a different vehicle if my 2004 Mazda B-Series Truck is totaled?
• What if I total my 2004 Mazda B-Series Truck and owe more than it’s worth?
• Is my teen driver covered when they drive my company car?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance policy coverages for a 2004 Mazda B-Series Truck

Having a good grasp of your insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Liability coverages

Liability insurance provides protection from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, bail bonds and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a deer, vandalism and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

This coverage will pay to fix damage to your B-Series Truck resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, crashing into a building, colliding with a tree, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for doctor visits, nursing services, surgery, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2004 Mazda B-Series Truck.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits do not exceed the liability coverage limits.