1991 Mazda 626 Car Insurance Rates – 7 Savings Tips

Locating low-cost insurance for your Mazda 626 can normally be a painful process, but you can use a few tricks to save time.

There is a better way to compare auto insurance rates so you’re going to learn the absolute fastest way to compare rates for a new or used Mazda and find the lowest price from local insurance agents and online providers.

It’s important to quote other rates once or twice a year because auto insurance prices change regularly. Even if you think you had the lowest rates for 626 insurance last year the chances are good that you can find a lower rate quote today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.

If you have a policy now or need new coverage, you can learn to find better prices while maintaining coverages. Shopping for the cheapest insurance coverage is quite easy. Consumers only need to know the best way to get comparison quotes online.

Free insurance coverage quotes

Most major insurance companies make it easy to get prices direct online. Comparing rates online is very simple as all you need to do is type in your required coverages into a form. Once entered, the system requests your driving and credit reports and returns a price quote based on these and other factors.

Online price quotes makes it easy to compare insurance prices but the work required to visit many different websites and type in the same data is repetitive and time-consuming. But it’s very important to compare as many rates as possible in order to get the lowest price.

The easy way to compare rates

The quickest way to get multiple rate quotes uses one simple form to return rates from a lot of companies. The form is fast, reduces the work, and makes online shopping much more enjoyable. Immediately after you send the form, it is quoted with multiple companies and you can pick any of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes 15 minutes at the most and can result in significant savings.

To compare rates using this form now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you duplicate your coverages exactly as they are listed on your policy. This makes sure you will be getting rate quotes for the exact same coverage.

Is there truth in advertising?

Drivers constantly see and hear ads for insurance savings from companies such as Allstate and Progressive. All the ads make the same claim about savings after switching to them.

How does every insurance company give you a better price? Just pay attention to how they say it.

Most companies have underwriting criteria for the type of driver that earns them the highest profit. An example of a preferred risk could possibly be between the ages of 40 and 55, is a homeowner, and does not commute to work. A driver who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

People who are not a match for those criteria will see higher prices with the end result being the customer buying from someone else. Company advertisements say “drivers that switch” not “everyone that quotes” will save that much if they switch. That’s why companies can make claims like that.

Because of this risk profiling, it is so important to compare rate quotes every year. It’s just too difficult to predict the company that will have the lowest rate quotes.

Take advantage of these seven money-saving discounts

Some companies do not list all disounts in an easy-to-find place, so we break down both the well known and the harder-to-find credits available to you.

  • Discounts for Cautious Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for 626 insurance than their less cautious counterparts.
  • Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
  • Distant College Student Discount – Any of your kids who live away from home to go to college and don’t have a car may be able to be covered for less.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better prices on cars that stay parked.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
  • New Car Discount – Buying insurance on a new vehicle can save you some money due to better safety requirements for new vehicles.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. Even though it appears all those discounts means the company will pay you, nobody gets a free ride.

Larger insurance companies and some of the premium reductions they offer are shown below.

  • State Farm offers discounts for student away at school, safe vehicle, good driver, multiple policy, and anti-theft.
  • Geico may have discounts that include military active duty, air bags, good student, federal employee, anti-lock brakes, multi-policy, and multi-vehicle.
  • SAFECO policyholders can earn discounts including homeowner, teen safe driver, teen safety rewards, safe driver, and accident prevention training.
  • Farmers Insurance has savings for teen driver, homeowner, pay in full, switch companies, alternative fuel, business and professional, and bundle discounts.
  • AAA offers premium reductions for education and occupation, AAA membership discount, good driver, good student, multi-policy, anti-theft, and multi-car.
  • USAA includes discounts for multi-policy, good student, new vehicle, vehicle storage, annual mileage, and family discount.

Check with all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier may not be available in every state. To see insurance companies offering insurance discounts, click here.

Do I need special coverages?

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • Do I need roadside assistance coverage?
  • Do I have coverage if my license is suspended?
  • Is my 1991 Mazda 626 covered for flood damage?
  • Are my tools covered if they get stolen from my vehicle?
  • When would I need rental car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Learning about specific coverages of auto insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability coverage

This will cover injuries or damage you cause to people or other property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like funeral expenses, loss of income, attorney fees, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle, theft and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Mazda 626.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as surgery, dental work and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays for damage to your 626 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, hitting a parking meter, backing into a parked car, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Compare but don’t skimp

Lower-priced auto insurance is definitely available online and with local insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some insurance providers don’t offer internet price quotes and these small, regional companies work with independent agents.

Consumers who switch companies do it for many reasons like poor customer service, high prices, high rates after DUI convictions and even policy cancellation. Whatever your reason, finding a great new company can be less work than you think.

We just covered many tips how you can shop for 1991 Mazda 626 insurance online. The key thing to remember is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may be surprised to find that the best price on auto insurance is with a smaller regional carrier.

For more information, take a look at these articles: