Cheap 1999 Mazda 626 Car Insurance Rates

Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you.

Multiple auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company to find the absolute cheapest price

Cut your insurance coverage rates with discounts

Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be specifically requested before you get the savings.

  • New Car Discount – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • No Claims – Claim-free drivers can earn big discounts compared to accident-prone drivers.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Resident Student – Any of your kids living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Defensive Driving Course – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Own a Home – Being a homeowner can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.

Keep in mind that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

A partial list of companies who might offer these money-saving discounts include:

Double check with every prospective company what discounts are available to you. Savings might not apply in every state.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can help discover if your situation will benefit from professional help.

  • How much underlying liability do I need for an umbrella policy?
  • Does liability extend to a camper or trailer?
  • How do I file an SR-22 for a DUI in my state?
  • How much liability insurance is required?
  • What if I total my 1999 Mazda 626 and owe more than it’s worth?
  • What are the financial responsibility laws in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Insurance specifics

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, fire damage, a broken windshield and hail damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mazda 626.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Collision – This coverage will pay to fix damage to your 626 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses for ambulance fees, rehabilitation expenses, EMT expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability – This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as court costs, legal defense fees and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Smart shoppers get results

You just read some good ideas how you can lower your 1999 Mazda 626 insurance rates. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the best price on car insurance is with a small local company. Regional companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

Discount insurance is available from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Even more information can be read in these articles: