1991 Mazda MX-6 Insurance Rates – 10 Policy Discounts

Feel like you’re a prisoner to an overpriced insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance. Online insurance companies like GEICO and Progressive constantly blast consumers with ads and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s a great practice to check insurance prices yearly since rates change quite often. Just because you found the best deal for MX-6 insurance six months ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about insurance because you’re going to get a crash course in the best methods to reduce your cost while increasing coverage.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. Certain discounts will be applied at the time of quoting, but a few need to be requested specifically before you will receive the discount. If you don’t get every credit possible, you are paying more than you should be.

  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less for MX-6 insurance than drivers with accidents.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying your policy online.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Homeowners Discount – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.

For a list of insurance companies offering car insurance discounts, click here.

The most recommended method to compare car insurance rates utilizes the fact most of the larger companies will pay a fee to give free rates quotes. To begin a comparison, all you need to do is provide a little information including whether you are single or married, the make and model of your vehicles, types of safety features, and your job. Your rating data is sent automatically to insurance carriers in your area and you will get price comparisons within a short period of time.

To find the cheapest 1991 Mazda MX-6 insurance rates, click here and find out if lower rates are available.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Is my 1991 Mazda MX-6 covered for flood damage?
  • Who is covered when they drive my 1991 Mazda MX-6?
  • Does coverage extend to my business vehicle?
  • Is business property covered if stolen from my car?
  • Does my 1991 Mazda MX-6 qualify for pleasure use?
  • Am I getting all the discounts available?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, damage from flooding, theft, rock chips in glass and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1991 Mazda MX-6.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.

Liability auto insurance – This coverage provides protection from 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 commonly see values of 50/100/50 which stand for $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. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, bail bonds, medical services, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for expenses for surgery, hospital visits, prosthetic devices and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision – Collision insurance pays for damage to your MX-6 resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Final considerations

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut liability limits or collision coverage and learned later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

We just showed you many ways to save on 1991 Mazda MX-6 insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a smaller regional carrier. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

More information can be found at the links below