Cheap 1998 Mazda B-Series Pickup Car Insurance Cost

Locating low-cost insurance for a Mazda B-Series Pickup could be an all-consuming task, but you can follow our insurance coverage buying tips and make it easy. There is a right way and a wrong way to buy insurance coverage so you’re going to learn the absolute fastest way to compare rates for your Mazda and get the best price possible.

It’s a good idea to quote other rates on a regular basis since rates go up and down regularly. Just because you had the best rate on B-Series pickup insurance last year you can probably find a better price now. You can find a lot of information about insurance coverage online, but you can learn some solid techniques on how to quit paying high insurance coverage rates.

Buying car insurance is quite easy. If you are insured now or are just looking to switch companies, you can use these tips to shop for the lowest rates while maximizing coverage. Vehicle owners just need to know the tricks to get comparison rates on the web.

Ways to get car insurance quotes

Getting a cheaper price on 1998 Mazda B-Series Pickup insurance is a fairly straight forward process. The only thing you need to do is take a couple of minutes to compare free insurance coverage quotes to find the company with the cheapest insurance coverage quotes. It is quite easy and can be accomplished by following the guidelines below.

If you are pressed for time, the simplest way to get quotes would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating separate forms for every prospective company. A single form gets coverage cost estimates from multiple companies. It’s definitely the quickest method.

Another way to get quotes online is spending the time to visit each company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want to compare Liberty Mutual, Safeco and Progressive. To do that, you would have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but try to use exactly the same coverage limits with each company. If you enter different limits and deductibles on each one it will be impossible to make an equal comparison.

The insurance bait and switch

Consumers get pounded daily by advertisements for insurance savings from the likes of Progressive, Geico, Allstate and State Farm. They all advertise the message that you’ll save big if you get a free insurance coverage quote and switch your insurance coverage to their company.

It sounds good, but how can they all give you a lower rate? Here is how they do it.

All companies have underwriting criteria for the type of insured that will generate a profit. An example of a preferred risk might be described as over the age of 50, has no tickets, and drives less than 7,500 miles a year. Someone that fits those parameters will qualify for the lowest prices and most likely will cut their rates if they switch.

Consumers who are not a match for these stringent criteria will probably be forced to pay a higher premium which usually ends up with the prospect going elsewhere. The trick companies use is to say “people who switch” not “everyone that quotes” save the amount stated. That’s why companies can make claims that they all have the best prices. This really emphasizes why drivers should compare many company’s prices. It’s impossible to know which company will provide the lowest premium rates.

Informed drivers can cut their insurance rates

Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious like an MVR report, but some are less obvious like your vehicle usage or how safe your car is.

Listed below are a few of the things auto insurance companies consider when setting premiums.

  • Vehicle features can affect auto insurance rates – Selecting a car model that has a built-in theft deterrent system can get you a discount on your auto insurance. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft.
  • Liability coverage – The liability section of your policy is the coverage that protects you when you are responsible for damages from an accident. It will provide you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Buy a safe car and pay less – Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles protect occupants better and fewer injuries means less claims paid and more competitive rates for policyholders. If your Mazda earned at least four stars on Safercar.gov you may qualify for a discount.
  • Male rates may be higher – The statistics show that females tend to be a little less risky than males. It does not mean women are BETTER drivers than men. Females and males cause auto accidents at a similar rate, but the male of the species have costlier accidents. They also get more serious tickets like DWI (DUI) or reckless driving.
  • Insurance companies don’t like frequent policy claims – Auto insurance companies award cheaper rates to policyholders who do not file claims often. If you are the type of insured that files lots of claims you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is designed for larger claims.
  • Annual miles is a factor – The higher the miles on your Mazda in a year the higher the price you pay to insure it. A lot of companies calculate prices based on their usage. Cars and trucks used primarily for pleasure use cost less to insure as compared to vehicles used primarily for driving to work. An incorrectly rated B-Series Pickup can cost quite a bit. It’s a good idea to make sure your declarations sheet shows the proper vehicle usage.
  • Poor credit can mean higher premiums – An insured’s credit score will be a significant factor in determining your rates. People that have high credit scores tend to file fewer claims and have better driving records than those with lower ratings. Therefore, if your credit history can use some improvement, you could pay less to insure your 1998 Mazda B-Series Pickup by spending a little time repairing your credit.
  • Employer can influence auto insurance rates – Do you work in a high-stress field? Careers such as fire fighters, executives and stock brokers generally have higher rates than average attributed to high stress levels and long work days. On the flip side, careers such as farmers, students and the unemployed receive lower rates on B-Series pickup insurance.

Get lower rates by taking advantage of discounts

Companies offering auto insurance don’t always list all disounts in an easy-to-find place, so the below list has some of the more common and the more hidden auto insurance savings. If you aren’t receiving every discount you deserve, you could be getting lower rates.

  • Early Renewal Discounts – Select larger companies give a discount for buying a new policy prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on B-Series pickup insurance than less cautious drivers.
  • No Claims – Claim-free drivers can save substantially in comparison to policyholders that have many claims.
  • Service Members Pay Less – Being on active duty in the military could qualify you for better rates.
  • Defensive Driver – Completing a defensive driver course could cut 5% off your bill and also improve your driving technique.
  • Payment Discounts – By making one initial payment as opposed to paying monthly you can actually save on your bill.
  • Driver’s Ed – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Clubs and Organizations – Participating in specific professional or occupational memberships or organizations could earn you a nice discount on auto insurance.

Drivers should understand that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, companies wouldn’t make money that way.

Some of the larger companies that may offer some of the above discounts may include but are not limited to:

If you want cheap insurance coverage quotes, ask every insurance company how you can save money. Discounts might not be available to policyholders in your area. If you would like to view auto insurance companies offering auto insurance discounts, click this link.

How much insurance coverage do I need?

When choosing adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • Is other people’s property covered if stolen from my vehicle?
  • If my 1998 Mazda B-Series Pickup is totaled, can I afford another vehicle?
  • What is roadside assistance coverage?
  • I have health insurance so do I need medical payments coverage?
  • When should I not file a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Car insurance coverage information

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, falling objects and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This pays for damage to your B-Series Pickup caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability – This coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t 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 might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like hospital visits, nursing services, surgery, doctor visits and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your 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

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mazda B-Series Pickup.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Stretch your dollar

People change insurance companies for any number of reasons including delays in paying claims, unfair underwriting practices, being labeled a high risk driver or delays in responding to claim requests. Regardless of your reason for switching companies, switching auto insurance companies is not as hard as you think.

Some companies may not have rate quotes online and usually these regional insurance providers provide coverage only through independent agents. Budget-friendly auto insurance can be sourced both online as well as from insurance agents, so you need to compare both to get a complete price analysis.

In this article, we presented a lot of information how to shop for 1998 Mazda B-Series Pickup insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting cheap insurance coverage. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.

More detailed auto insurance information is located in these articles: