1997 Mazda 626 Car Insurance Quotes – 8 Ideas for Best Rates

Searching for the cheapest car insurance rates for your Mazda 626? Sick and tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as millions of other consumers. Since consumers have many companies and agents to choose from, it can be challenging to pick the lowest cost company.

You should make it a habit to do rate comparisons once or twice a year since rates go up and down regularly. If you had the best deal on 626 insurance on your last policy there may be better deals available now. Forget all the misinformation about car insurance because you’re about to find out the only way to buy cheaper car insurance.

Compare the Market for Insurance Coverage

Finding lower insurance coverage rates is surprisingly easy. All you need to do is spend a few minutes comparing rates online with multiple companies. This is very easy and can be done using a couple different methods.

  1. The recommended way consumers can analyze rates is a comparison rater form click here to open form in new window. This type of form eliminates the need for separate quotes for each company you want a rate for. Taking the time to complete one form will return quotes from many national carriers.
  2. A more difficult way to get comparison quotes is to manually visit each individual company website and fill out their own quote form. For sake of this example, let’s say you want to compare USAA, Allstate and Progressive. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

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

  3. The hardest way of getting rate comparisons is driving around to different agent offices. The internet makes this process obsolete unless you have a need for the professional advice of a licensed agent. Drivers can price shop online and get advice from an agent in your area and we’ll talk about that later.

It’s your choice how you get your quotes, but ensure you’re using exactly the same coverages on every quote. If you use different liability limits it will be next to impossible to find the best deal for your Mazda 626.

Save money by taking advantage of these eight discounts

Companies offering auto insurance don’t always list all available discounts very well, so here is a list both well-publicized and the more hidden auto insurance savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Senior Citizens – Mature drivers may be able to get reduced rates on 626 insurance.
  • Payment Method – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Bundle and Save – If you have multiple policies with one insurance company you may save at least 10% off all policies.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

For a list of providers with discount auto insurance rates, click this link.

When should I use an insurance agent?

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • I have a DUI can I still get coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • What is roadside assistance coverage?
  • Which companies will insure high-risk drivers?
  • What is the difference between comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, 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 can provide invaluable advice.

Insurance coverage specifics

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive insurance

This coverage will pay to fix 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 things like damage from a tornado or hurricane, rock chips in glass, theft and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance covers damage to your 626 resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, backing into a parked car, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability

This coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as court costs, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, pain medications and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mazda 626.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

In any little way, save everyday

You just learned some good ideas how you can lower your 1997 Mazda 626 insurance rates. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even discover the best prices are with a small mutual company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits to discover at claim time that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

More detailed car insurance information can be found by following these links: