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Mazda 626 Insurance Rates

Drivers have lots of options when insurance shopping for your Mazda vehicle. You can either contact an agent or price shop online to check prices from car insurance companies. Finding cheaper car insurance from online rate quotes is simple to do, plus you can save money.

Finding the best direct price on car insurance can be difficult if you have never used online quotes. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from local car insurance companies. The easiest way to find competitive Mazda 626 insurance cost is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by the following

Car insurance premiums on a Mazda 626 can vary widely subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • Your coverage level
  • Home ownership saves money

An additional factor which can affect Mazda 626 insurance rates is the year of the vehicle. Models that are a few years old have a lower value than newer models so the cost to replace them can decrease annual premiums. On the flip side, newer vehicles may have safety features like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which can give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your 626 from the list below.

Liability insurance - Mazda 626 liability coverage can cover damage or injury you incur to people or other property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision - This covers damage to your Mazda resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Mazda 626 can be pricey, so consider removing coverage from older vehicles. It's also possible to raise the deductible to get cheaper Mazda 626 insurance rates.

Comprehensive protection - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage - Coverage for medical payments and/or PIP reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Mazda 626 Insurance Rates?