1993 Mazda 323 Insurance Rates

Have you fallen victim to an overpriced insurance coverage policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like Allstate, Progressive and Geico constantly blast consumers with advertising and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

You should take the time to take a look at other company’s rates yearly because rates change quite often. Just because you had the best price on 323 coverage a year ago you may be paying too much now. Don’t believe everything you read about insurance coverage online but I’m going to show you a lot of great tips on how to reduce your insurance coverage bill.

If you are insured now or are looking for a new policy, you can use these techniques to find the best rates and still get good coverage. Finding affordable coverage is not that difficult. Vehicle owners only need to know the tricks to buy insurance online.

Automobile Insurance Quotes

There are a variety of methods to shop for 1993 Mazda 323 car insurance, and some are more efficient than others. You could waste a few hours driving to insurance agencies in your area, or you could save time and use the web for quick rates.

Most of the larger companies belong to an insurance system where insurance shoppers send in one quote, and every company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests to every company.

To access this free quoting program, click here to start a free quote.

The only downside to doing it this way is buyers cannot specifically choose which companies you want to price. If you would rather choose individual companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you use exactly the same coverage limits with every price quote. If your comparisons have different deductibles you will not be able to decipher which rate is best.

Are you falling for claims of savings?

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Progressive, Geico, Allstate and State Farm. All the companies have a common claim of big savings if you move your coverage to them.

But how can every company claim to save you money?

All companies have a preferred profile for the right customer they prefer to insure. An example of a preferred risk might be between 30 and 50, is a homeowner, and has a short commute. A driver who matches those parameters will get very good rates and most likely will save when they switch companies.

Potential customers who are not a match for the “perfect” profile must pay a higher premium and ends up with business going elsewhere. The ads state “customers that switch” not “people who quote” save that kind of money. This is how companies can truthfully advertise the way they do. This illustrates why drivers must get quotes from several different companies. You cannot predict the company that will give you the biggest savings on Mazda 323 insurance.

How much can you save with discounts?

Companies that sell car insurance don’t list all their discounts in an easy-to-find place, so we break down some of the more common as well as the least known ways to save on insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • No Claims – Claim-free drivers can earn big discounts when compared with drivers who are more careless.
  • Club Memberships – Participating in a professional or civic organization could qualify you for a break on your policy on 323 coverage.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on 323 coverage than less cautious drivers.

A little note about advertised discounts, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free insurance policy, it just doesn’t work that way.

A partial list of companies who might offer these benefits include:

Double check with each insurance company how you can save money. Some discounts may not apply in every state.

How much car insurance do I need?

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation could use an agent’s help.

  • Should I buy additional glass protection?
  • Should I get collision insurance on every vehicle?
  • Does insurance cover damages from a DUI accident?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is an SR-22 filing?
  • Do I need special endorsements for business use of my vehicle?
  • Can I make deliveries for my home business?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a 1993 Mazda 323

Having a good grasp of insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like bail bonds, funeral expenses, pain and suffering and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses for X-ray expenses, prosthetic devices and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, theft, vandalism and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mazda 323.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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.

Best coverage at the best price

Lower-priced 1993 Mazda 323 insurance is available from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

We covered many tips how you can get a better price on insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

As you prepare to switch companies, never buy less coverage just to save a little money. There have been many cases where someone dropped collision coverage only to discover later that they should have had better coverage. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

For more information, feel free to browse the resources below: