Lower Your 2000 Mazda 626 Insurance Rates

Searching for better insurance prices for a new or used Mazda 626 can turn out to be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the quickest way to get price quotes for a Mazda and locate the best price possible.

If you have a current insurance coverage policy or are shopping for new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Pricing cheaper insurance coverage can be fairly easy. Drivers only need an understanding of the most efficient way to compare price quotes on the web.

The most recommended method to compare policy rates is to realize most of the bigger providers actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is give them rating details such as if you’re married, types of safety features, how much you drive, and how much education you have. Those rating factors is instantly provided to many of the top insurers and they provide comparison quotes almost instantly.

Discounts mean cheaper Mazda 626 insurance rates

Companies offering auto insurance do not advertise every available discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Military Discounts – Having a deployed family member could mean lower rates.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off your medical payments premium.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on 626 insurance with certain companies.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% on 626 insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mazda could be rewarded with lower rates on the low mileage vehicles.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Paperless Signup – Certain companies will give a small break just for signing your application over the internet.
  • Student in College – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not apply in your state.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions may help you determine if you might need professional guidance.

  • What is no-fault insurance?
  • What is PIP insurance?
  • When should I remove comp and collision on my 2000 Mazda 626?
  • Do I have any recourse if my insurance company denies a claim?
  • What happens if I owe more than my 2000 Mazda 626 is worth?
  • Do I pay less for low miles?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I wreck a rental car?
  • How do I buy GAP insurance?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Auto liability – Liability insurance provides protection from damage that occurs to other people or property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like medical services, funeral expenses, emergency aid and loss of income. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2000 Mazda 626.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses like chiropractic care, pain medications, X-ray expenses, nursing services and funeral costs. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your 626 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage – This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, a tree branch falling on your vehicle, fire damage and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.