Save on 2008 Mazda B-Series Truck Insurance Cost

Searching for lower insurance rates for your Mazda B-Series Truck? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us, you are not the only one feeling buyer’s remorse. There are many car insurance companies to pick from, and even though it’s nice to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

It is always a good idea to compare rates quite often due to the fact that insurance rates change regularly. If you had the best rates on B-Series Truck insurance last year you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to find out the only way to find great coverage at a great price.

The purpose of this post is to familiarize you with how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these tips. Drivers just need to learn the proper methods to compare company rates over the internet.

Compare Quotes for Car Insurance

Finding lower car insurance rates doesn’t have to be difficult. Consumers just need to invest a few minutes comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

Probably the best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing multiple quote forms for every car insurance company. One simple form compares rates from multiple low-cost companies.

A more difficult way to obtain and compare quotes online requires a visit to the website of each company and request a quote. For sake of this example, let’s assume you want to compare rates from Liberty Mutual, Esurance and Geico. You would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The least recommended way of comparing rate quotes is to waste gas driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the professional advice only provided by licensed agents. Drivers can find lower rates online but still have the advice of a local agent and you’ll learn how to do that later.

Whichever method you choose, double check that you are using exactly the same quote information on every quote you get. If you use different values for each quote it’s not possible to determine which rate is truly the best.

Take discounts and save

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be specifically requested before you get the savings. If you don’t get every credit possible, you are throwing money away.

• Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
• College Student – Children who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
• Auto/Life Discount – Some companies give a break if you buy life insurance from them.
• New Vehicle Savings – Insuring a new car is cheaper due to better safety requirements for new cars.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.

For a list of companies who offer car insurance discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine if you may require specific advice.

• Am I covered when driving someone else’s vehicle?
• What is UM/UIM insurance?
• Why am I required to buy liability insurance?
• Is rental equipment covered for theft or damage?
• I have a DUI can I still get coverage?
• When does my teenage driver need to be added to my policy?
• Am I covered when using my vehicle for business?
• Should I have combined single limit or split liability limits?
• Should I put collision coverage on all my vehicles?
• Am I covered if my car is in a flood?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Having a good grasp of insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, crashing into a building, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for bills such as funeral costs, prosthetic devices, doctor visits and surgery. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Mazda B-Series Truck.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive protection – Comprehensive insurance coverage covers 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 things such as damage from flooding, damage from a tornado or hurricane, hail damage and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – This protects you from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, medical expenses, pain and suffering, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.