View 1996 Mazda 626 Car Insurance Rates

Searching for cheaper insurance for a Mazda 626 can normally be difficult, but you can learn the following methods to make it easier. There are more efficient ways to find insurance coverage online so we’re going to tell you the quickest way to quote coverages on a Mazda and obtain the lowest possible price from both online companies and local agents.

Compare Car Insurance Today

Reducing your 1996 Mazda 626 insurance rates is not a difficult process. The only requirement is to take the time comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate quotes to each individual car insurance company. Taking the time to complete one form gets rate comparisons instantly. It’s the fastest way to compare.
  2. A more difficult way to shop for car insurance online is to manually visit each individual company website and fill out their own quote form. For sake of this example, let’s assume you want to compare GEICO, Liberty Mutual and Travelers. To get rate quotes you would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, make darn sure you compare apples-to-apples coverages and limits on every quote. If the quotes have different limits and deductibles on each one you can’t possibly decipher which rate is best.

Discounts mean cheaper 1996 Mazda 626 insurance rates

Companies do not list all available discounts very well, so we took the time to find both the well known and the harder-to-find insurance coverage savings. If you don’t get every credit you qualify for, you are throwing money away.

  • Driver Safety – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
  • Multiple Cars – Having all your vehicles on the same insurance coverage policy qualifies for this discount.
  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Resident Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on 626 coverage than their less cautious counterparts.

Keep in mind that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, companies wouldn’t make money that way.

A partial list of companies who might offer some of the above discounts are:

Before buying, ask every prospective company which discounts you may be entitled to. Savings might not apply in every state.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might point out if you may require specific advice.

  • Will filing a claim cost me more?
  • What can I do if my company won’t pay a claim?
  • Is a fancy paint job covered?
  • Do I need motorclub coverage?
  • Do I need added coverage for expensive stereo equipment?
  • What is PIP insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my policy cover my teen driver if they drive my company car?
  • Is there coverage for injuries to my pets?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, hitting a deer, fire damage, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This coverage will pay to fix damage to your 626 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, sideswiping another vehicle, backing into a parked car, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mazda 626.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability coverages – This coverage protects you from damages or injuries you inflict on other people or property. It protects YOU from claims by other people. Liability doesn’t 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. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, court costs, loss of income, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as dental work, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Cheaper insurance is a realistic goal

Insureds leave their current company for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, delays in responding to claim requests and policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, you should never buy less coverage just to save a little money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

We covered many tips how you can get a better price on 1996 Mazda 626 insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the most savings is with some of the lesser-known companies.

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