1996 Mazda MX-6 Insurance Rates – 10 Discounts for Cheaper Quotes

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Believe me, there are many consumers feeling the pinch from expensive insurance. Because there are so many options when it comes to insurance, it can be hard to locate the cheapest car insurance company.

You should make it a habit to do rate comparisons once or twice a year because insurance rates are adjusted regularly by insurance companies. Just because you had the lowest price for MX-6 coverage a year ago there is a good chance you can find better rates now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

Finding the best rates is not that difficult. If you have a current auto insurance policy or are just looking to switch companies, you can learn to find the best rates and still get good coverage. Consumers only need to know the proper way to get comparison quotes online.

Compare Auto Insurance Costs

Getting better 1996 Mazda MX-6 auto insurance pricing is not rocket science. The only requirement is to take the time comparing rate quotes online with multiple companies. This can be done in several different ways.

  • Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for separate quote forms for each company. One form will get you rate comparisons from many national carriers.
  • Another way to get comparison quotes is spending the time to visit each individual company website to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Auto-Owners, Liberty Mutual and Allstate. To get each rate you have to go to every website and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The least efficient method of getting rate comparisons is to drive around to different agent offices. The internet has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. However, consumers can get the lowest quotes online but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but compare apples-to-apples coverage information with each company. If you are comparing differing limits then you won’t be able to make an equal comparison.

Drivers who switch save $448 a year? Really?

Consumers constantly see and hear ads for cheaper car insurance by companies like State Farm, Geico and Progressive. All the ads make the same claim that you can save after switching to them.

How does each company claim to save you money? This is how they do it.

All companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer might be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile receives the best rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t meet this ideal profile will be quoted higher rates which leads to the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that much. That’s the way companies can advertise the savings. This emphasizes why it is so important to compare many company’s rates. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Save on 1996 Mazda MX-6 insurance

Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known insurance savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for MX-6 coverage than drivers with accidents.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on their website.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for MX-6 coverage with select insurance companies.
  • Student in College – Youth drivers who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for MX-6 coverage.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of up to 25% or more.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.

It’s important to note that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurance companies offering insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • Am I covered when driving someone else’s vehicle?
  • Do I need more liability coverage?
  • Can I make deliveries for my home business?
  • When should I drop full coverage on my 1996 Mazda MX-6?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage if my license is suspended?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Parts of your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by car insurance companies.

Liability car insurance – This can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, bail bonds, legal defense fees, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a deer, damage from getting keyed and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1996 Mazda MX-6.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses such as chiropractic care, funeral costs, hospital visits, dental work and pain medications. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

In conclusion

As you restructure your insurance plan, do not reduce needed coverages to save money. In many instances, consumers will sacrifice full coverage and learned later that it was a big mistake. The ultimate goal is to buy enough coverage at a price you can afford.

Cheap 1996 Mazda MX-6 insurance can be purchased from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

For more information, take a look at the following helpful articles: