Compare 1994 Mazda 323 Car Insurance Quotes

Trying to find cheaper insurance coverage rates? Buyers have a choice when searching for the lowest priced Mazda 323 insurance. They can either waste time struggling with agents to compare prices or use the internet to get rate quotes. There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the best way to quote coverages for a Mazda and find the best price possible.

Free Quotes for Auto Insurance

Reducing your 1994 Mazda 323 insurance rates can be quick and easy. All that’s required is to spend a few minutes on the computer comparing rate quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  • The first (and easiest) way to get quotes would be an industry-wide quote request form click to view form in new window. This method keeps you from doing boring form submissions for every auto insurance company. Completing one form will return price quotes from several companies. This is by far the quickest method.
  • Another way to compare rate quotes consists of going to the website of each company and fill out their own quote form. For sake of this example, we’ll assume you want rates from Farmers, Liberty Mutual and Geico. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The hardest way of comparing rate quotes is to waste gas driving to and from local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional advice of a local agent. It is possible to compare the best prices online and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, double check that you are using exactly the same deductibles and coverage limits on every quote you get. If you enter differing limits you will not be able to make a fair comparison for your Mazda 323.

Save $415 a year? Really?

Drivers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, Geico and Progressive. All the companies make the same claim about savings if you move to them.

How do they all say the same thing?

All companies can use profiling for the type of customer they prefer to insure. For instance, a driver they prefer could be between the ages of 30 and 50, a clean driving record, and has great credit. Any driver that hits that “sweet spot” is entitled to the best price and as a result will probably save when switching.

Potential customers who fall outside the requirements will have to pay higher prices and ends up with the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently state the savings. Because of the profiling, it is so important to get quotes from several different companies. Because you never know the company that will give you the biggest savings on Mazda 323 insurance.

Take advantage of discounts

Car insurance companies do not list all available discounts in an easy-to-find place, so we researched some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Club Memberships – Being a member of a civic or occupational organization could qualify you for a break on car insurance on 323 coverage.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • College Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

Car insurance companies that may have these benefits include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings might not apply in your area.

How to know if you need help

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can help discover if your situation might need an agent’s assistance.

  • What is no-fault insurance?
  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy liability insurance?
  • Is my teenager covered with friends in the car?
  • Do I need replacement cost coverage on my 1994 Mazda 323?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Specific coverages for a Mazda 323

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mazda 323.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as medical expenses, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, hitting a parking meter, crashing into a ditch, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for EMT expenses, hospital visits, surgery and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Keep this in mind

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

The cheapest 1994 Mazda 323 insurance is definitely available both online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for many reasons like policy non-renewal, delays in paying claims, an unsatisfactory settlement offer or even delays in responding to claim requests. Regardless of your reason, switching companies is not as hard as you think.

Additional detailed information can be found in these articles: