1996 Mazda B-Series Pickup Insurance Quotes

Did you fall for a flashy sales pitch and buy an expensive auto insurance policy? Don’t sweat it because you are not the only one feeling buyer’s remorse.

Multiple auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible.

Cheapest auto insurance quotes

When shopping for auto insurance there are multiple ways of comparing rate quotes from different companies. One of the best ways to find affordable 1996 Mazda B-Series Pickup insurance rates is to jump online and get quotes. This is quite simple and can be completed by using one of the methods below.

  • The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for repetitive form submissions for every auto insurance company. A single, simple form will get you rate comparisons from multiple low-cost companies.
  • A different way to obtain and compare quotes online is to take the time to go to the website for each individual company and fill out a new quote form. For example, we’ll assume you want to view quotes from USAA, State Farm and Geico. To find out each rate you need to take the time to go to each site to enter the same coverage data repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  • If you have time to kill, the last method to compare price estimates is calling or driving to insurance agencies in your area. Comparing online rate quotes has made agencies unnecessary unless you’re the type of person who wants the advice and guidance of a licensed agent. Drivers can obtain prices from the web but still have the advice of a local agent.

How you compare quotes is your choice, just make sure you are using the exact same deductibles and coverage limits with each company. If you compare different limits and deductibles on each one it will be nearly impossible to decipher which rate is best. Even a minor difference in insurance coverages can mean a large discrepancy in price. Just remember that comparing all the rates in your area helps you find the best rates.

Insurance coverage discounts are available to lower your rates

Not many people think insurance is cheap, but there could be available discounts that you may not even know about. Some trigger automatically when you quote, but some need to be manually applied prior to receiving the credit. If you aren’t receiving every discount possible, you are just wasting money.

  • Braking Control Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
  • Telematics Discount – Insureds who allow companies to monitor driving manner by using a telematics device such as State Farm’s In-Drive may get a rate reduction if they show good driving skills.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy with one company they may give you a discount of at least 10 to 15 percent or more.
  • Distant College Student Discount – College-age children who live away from home at college and don’t have a car could qualify for this discount.
  • Memberships – Joining specific professional or occupational memberships or organizations could qualify you for a break on your next insurance coverage statement.
  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Allstate, State Farm and Geico will allow you to have one accident without getting socked with a rate hike if you have no claims before the accident.
  • Early Signing – Some insurance companies give discounts for switching policies before your current policy expires. You can save around 10% with this discount.
  • Senior Citizens – Seniors may qualify for better insurance coverage rates for B-Series pickup insurance.
  • Online Discount – A few companies will give a small break for buying your policy on their website.
  • Payment Method – By paying your policy upfront instead of paying each month you could save 5% or more.

We need to note that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.

If you would like to view insurance companies that offer many of these discounts, follow this link.

Everyone needs different auto insurance coverages

When it comes to buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • When would I need additional glass coverage?
  • Who is covered by my policy?
  • Does insurance cover tools stolen from my truck?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is motorclub coverage worth it?
  • Do I need roadside assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • I have a DUI can I still get coverage?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Eight factors that influence insurance prices

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that aid in calculating your policy premiums. If you know what impacts premium levels, this enables informed choices that may result in lower premium levels. Lots of things are taken into consideration when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but some are less obvious like your vehicle usage or how financially stable you are.

Listed below are just a few of the factors used by your company to calculate your rate level.

  • Safer vehicles means better prices – Cars with high safety ratings get lower rates. Safer cars protect occupants better and lower injury rates translates into savings for insurance companies and cheaper rates on your policy.
  • You might want pay the inexpensive insurance claims yourself – If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies generally give most affordable rates to people who are claim-free. Auto insurance is intended to be relied upon for larger claims.
  • Infrequent drivers can save – Driving more miles every year the higher the price you pay to insure it. Many insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use cost less to insure compared to those used for work or business. Verify your vehicle rating states the right rating data. An improperly rated B-Series Pickup can result in significantly higher rates.
  • Vehicle options that lower insurance coverage rates – Driving a car with anti-theft technology or alarm system can help lower your premiums. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart vehicle theft.
  • Teen drivers pay higher premiums – Older drivers are viewed as being more responsible, cause fewer claims and accidents .Teenage drivers have been known to be more careless when behind the wheel so insurance coverage rates are higher.
  • Responsible drivers pay less – Having just one speeding ticket or other violation can increase the cost of insurance substantially. Drivers with clean records have lower premiums than bad drivers. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to keep their license.
  • Responsible credit scores equal low prices – Having a bad credit score is likely to be a major factor in determining premium rates. Consumers who have high credit ratings tend to file fewer claims than those with poor credit. If your credit score is not that good, you could potentially save money when insuring your 1996 Mazda B-Series Pickup by improving your credit score.
  • Liability protection limits are a factor – The liability coverage on your policy will protect you if you are found to be at fault for personal injury or accident damage. Liability provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Auto insurance coverage options for a 1996 Mazda B-Series Pickup

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding, falling objects and damage from getting keyed. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, medical expenses and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your B-Series Pickup caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as ambulance fees, rehabilitation expenses, prosthetic devices, dental work and pain medications. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

You just learned many ways to reduce 1996 Mazda B-Series Pickup insurance car insurance rates online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest car insurance rates are with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

More affordable auto insurance can be purchased from both online companies as well as from insurance agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. A few companies may not offer the ability to get quotes online and most of the time these regional insurance providers only sell coverage through local independent agencies.

Even more information can be read at these sites: