1997 Mazda MX-6 Insurance Rates – 6 Tips for Best Quotes

Trying to find better insurance prices for a new or used Mazda MX-6 could be a painful process, but you can use a few tricks to make it easier. There is a better way to buy auto insurance and you need to know the quickest way to get price quotes for a new or used Mazda and locate the lowest possible price from local insurance agents and online providers.

It’s smart to compare premium rates before your next renewal because prices are constantly changing. Despite the fact that you may have had the lowest quotes for MX-6 coverage a couple years back you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the quickest way to reduce your cost while improving coverage.

If you are insured now or need new coverage, you can use this information to cut your premiums and still get good coverage. Locating affordable coverage is not that difficult. Drivers just need to learn the proper methods to compare company rates online.

Six discounts for cheap auto insurance quotes

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that may help make it more affordable. Certain reductions will be credited when you purchase, but occassionally some discounts must be asked about before you will receive the discount.

  • Safety Course Discount – Taking time to complete a class that teaches defensive driver techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you could save 5% or more.
  • Passive Restraints – Vehicles equipped with air bags may qualify for discounts up to 30%.
  • Save with a New Car – Insuring a new car can get you a discount since newer models are generally safer.
  • Sign Early and Save – Some larger companies reward drivers for switching companies before your current policy expires. You can save around 10% with this discount.
  • Accident Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared to bad drivers.

We need to note that some credits don’t apply the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will bring down your policy premiums.

Car insurance companies that may offer quotes with most of the discounts above may include but are not limited to:

Check with all the companies the best way to save money. Depending on the company, some discounts might not be offered in your area. For a list of companies that offer multiple discounts, click here.

Which insurance coverage is cheapest?

Cutting your insurance coverage rates is a great way to save money. The only requirement is to take time comparing rates to discover which company has cheaper insurance quotes. Price comparisons can be done in a couple of different ways.

If you’re in a hurry, the quickest way to get quotes is to use a rate comparison form (click to open form in new window). This method saves time by eliminating repetitive form entry for each price estimate. A single, simple form compares rates from several companies. Recommended for those who want to invest the least amount of time.

A more difficult way to find more affordable insurance is spending the time to visit the website for every company you want to comare to request a price quote. For example, let’s say you want to compare rates from State Farm, Farmers and Travelers. To get rate quotes you would need to take the time to go to each site and enter your information, which can get old fast.

For a list of links to companies insuring cars in your area, click here.

The final way to get price estimates is driving around to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you have a complicated situation and need the peace of mind of a licensed agent. If you prefer, some companies allow you to price shop your coverage online but have your policy serviced through an agent.

Whichever way you choose to compare rates, make sure you compare exactly the same quote information with each company. If each company quotes differing limits you will not be able to determine the best price for your Mazda MX-6.

You may need specialized car insurance coverage

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if you might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Where can I find high-risk insurance?
  • If I drive on a suspended license am I covered?
  • Is my 1997 Mazda MX-6 covered for smoke damage?
  • Should I rate my 1997 Mazda MX-6 as pleasure use or commute?
  • Is my babysitter covered when using my vehicle?
  • Am I better off with higher deductibles on my 1997 Mazda MX-6?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverage specifics

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mazda MX-6.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverage

Collision insurance pays for damage to your MX-6 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from flooding, damage from a tornado or hurricane and falling objects. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as dental work, rehabilitation expenses, EMT expenses, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

This coverage will cover injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like structural damage, funeral expenses, emergency aid, legal defense fees and medical expenses. How much coverage you buy is your choice, but you should buy as large an amount as possible.

In the end, you save

As you prepare to switch companies, do not buy less coverage just to save a little money. In many cases, an accident victim reduced liability coverage limits and found out when filing a claim that they should have had better coverage. The proper strategy is to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, high prices, high rates after DUI convictions or even not issuing a premium refund. It doesn’t matter what your reason, switching car insurance companies can be easy and end up saving you some money.

Low-cost 1997 Mazda MX-6 insurance is attainable from both online companies as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies may not offer price quotes online and most of the time these small, regional companies provide coverage only through independent agencies.

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