1991 Mazda 929 Insurance Rates – 7 Ways to Save

I doubt anyone likes having to buy auto insurance, in particular when the cost is way too high.

Since you have so many options when it comes to auto insurance, it is hard for the average consumer to pick the right insurance company.

You should take the time to quote other rates as often as possible since rates tend to go up over time. Just because you had the best deal on 929 coverage two years ago other companies may now be cheaper. You can search a lot of auto insurance out there, but you can learn some of the best techniques to stop overpaying for insurance.

Buying car insurance is not that difficult. Basically, anyone who is shopping for auto insurance most likely will be able to lower their premiums. But consumers do need to learn how insurance companies sell online and use this information to your advantage.

Compare auto insurance rates

Performing a rate comparison is a ton of work if you don’t know the fastest way to get free quotes. You can waste a lot of time talking about coverages with insurance companies in your area, or you could use online quotes for quick rates.

Most car insurance companies belong to an insurance system where insurance shoppers complete one form, and at least one company then gives them pricing determined by their information. This prevents consumers from doing quote requests for every auto insurance company.

To compare pricing click here to start a free quote.

The only downside to doing it this way is you are unable to specify which insurance companies to get pricing from. If you would rather choose from a list of companies to compare prices, we have a listing of auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but be sure you’re using the same deductibles and coverage limits for every quote you compare. If you use different limits and deductibles on each one you can’t possibly determine the best price for your Mazda 929. Even a minor difference in insurance coverages could mean much higher rates. Just keep in mind that obtaining a wide range of quotes helps you find the best rates.

Get lower-cost insurance coverage quotes with discounts

Some insurers don’t list every policy discount in a way that’s easy to find, so the below list has both the well known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

• Drivers Education – Teen drivers should successfully complete driver’s ed class if it’s offered in school.
• Bundle and Save – When you combine your auto and homeowners insurance with the same insurance company you could get a discount of up to 20% off your total premium.
• Student Discounts – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
• Telematics Data Discounts – Drivers who agree to allow their insurance coverage company to scrutinize driving patterns through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
• Military Deployment Discount – Having a family member in the military could qualify you for better rates.
• Government Employees – Employees or retirees of the government can save as much as 8% on 929 coverage with a few insurance coverage companies.
• Discount for Passive Restraints – Factory options such as air bags or automatic seat belts may get savings of 20% or more.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

A list of insurance coverage companies and some of the premium reductions they offer are shown below.

• Progressive offers discounts for multi-vehicle, homeowner, multi-policy, online quote discount, continuous coverage, good student, and online signing.
• AAA has discounts for education and occupation, anti-theft, multi-policy, good student, pay-in-full, AAA membership discount, and multi-car.
• Farmers Insurance has savings for multi-car, electronic funds transfer, distant student, youthful driver, switch companies, teen driver, and homeowner.
• Geico may include discounts for military active duty, membership and employees, good student, five-year accident-free, multi-vehicle, and defensive driver.
• Esurance includes discounts for Switch & Save, defensive driver, paid-in-full, good driver, anti-lock brakes, homeowner, and online shopper.
• SAFECO offers premium reductions for anti-theft, anti-lock brakes, teen safe driver, drive less, and teen safety rewards.
• State Farm may offer discounts for Steer Clear safe driver discount, accident-free, defensive driving training, student away at school, passive restraint, driver’s education, and Drive Safe & Save.

Before buying, ask all the companies which discounts you qualify for. Discounts may not be available in your state. To locate insurers that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation may require specific advice.

• Should I drop comprehensive coverage on older vehicles?
• Are my friends covered when driving my 1991 Mazda 929?
• Am I covered when using my vehicle for business?
• Am I covered if I break a side mirror?
• Can I afford low physical damage deductibles?
• Am I covered if I hit my neighbor’s mailbox?
• Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, damage from getting keyed and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, scraping a guard rail, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Auto liability – Liability coverage will cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, medical services, repair costs for stationary objects and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 1991 Mazda 929.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for pain medications, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible