1999 Mazda 626 Insurance Quotes

Trying to find better insurance coverage rates for your Mazda 626? High-priced Mazda 626 insurance can drain your family’s budget and possibly require you to analyze your spending habits. Shopping your coverage around can be a smart way to make sure you’re not throwing money away.

Vehicle owners have multiple insurance companies to purchase coverage from, and although it’s nice to have multiple companies, so many choices can make it hard to find the best rates for your vehicles.

Insurance costs are influenced by these factors

When buying auto insurance it’s important to understand a few of the rating criteria that help determine your auto insurance rates. When you understand what impacts premium levels, this allows you to make good choices that may reward you with lower premium levels.

  • Limits of liability – Your policy’s liability coverage will protect you when a jury decides you are liable for damages caused by your negligence. This coverage provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Tickets are costly – Even a single speeding ticket can increase rates twenty percent or more. Careful drivers get better rates as compared to those with violations. Drivers who have license-revoking citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent their license from being revoked.
  • Teenagers are high risk – More mature drivers are more responsible, are lower risk to insure and are safer drivers.Youthful drivers have been known to be less responsible when driving with friends and because of this, their auto insurance rates are much higher.
  • Consider raising coverage deductibles – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Examples of covered claims are a broken side mirror, hail damage, and rolling your vehicle. The deductibles you choose are the amount of money the insured will be required to pay if the claim is covered. The more you have to pay, the better rate you will receive for 626 insurance.
  • Where do you drive? – The more miles you rack up on your Mazda in a year the higher your rates will be. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that are left in the garage can be on a lower rate level than those used for commuting. It’s a smart idea to ensure your auto insurance coverage is rated on the correct usage. An improperly rated 626 may be costing you.

Affordable auto insurance rates with discounts

Car insurance companies don’t always publicize the complete list of policy discounts in a way that’s easy to find, so below is a list both the well known as well as the least known credits available to you.

  • Early Signing – Some companies reward drivers for renewing your policy before your current expiration date. It could save around 10% when you buy auto insurance online.
  • Distant Student Discount – Youth drivers who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
  • Discount for Home Ownership – Owning a house can help you save on auto insurance since home ownership is proof of financial responsibility.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same company you may save nearly 15% which can help you find inexpensive auto insurance.
  • Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase life insurance from them.
  • 55 and Retired – Drivers that qualify as senior citizens may qualify for better auto insurance rates for 626 insurance.
  • Discounts for Safe Drivers – Drivers without accidents can save up to 40% or more on their auto insurance quote for 626 insurance compared to accident prone drivers.
  • ABS Braking Discount – Vehicles that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will let one accident slide without raising rates if you have no claims for a particular time prior to the accident.

One thing to note about discounts is that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount will reduce your policy premium.

Companies that possibly offer many of the previously listed discounts include:

When getting a coverage quote, ask every prospective company which discounts can lower your rates. Savings may not be offered in your state. To view insurers that can offer you the previously mentioned discounts, click here to view.

Car insurance advertising gotchas

Car insurance providers like State Farm and Allstate constantly bombard you with ads on TV and radio. All the companies make the same claim about saving some big amount after switching to their company. How is it plausible that every one can make almost identical claims? It’s all in how they say it.

All companies quote their best rates for a prospective insured that makes them money. For instance, this type of driver should be over the age of 50, has never had a policy lapse, and drives less than 10,000 miles a year. Anybody who meets those qualifications will get a cheap rate quote as well as save money with a new company.

Consumers who are not a match for those standards may be required to pay more expensive rates and ends up with the prospect going elsewhere. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how companies can make claims like that. This really drives home the point why you really need to get as many free auto insurance quotes as possible. Because without a comparison, you cannot know the company that will provide the lowest premium rates.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

  • Should I put collision coverage on all my vehicles?
  • Where can I find DUI or SR-22 insurance?
  • When would I need additional glass coverage?
  • Can I rent a car in Mexico?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Car insurance policy specifics

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix 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 can pay for things such as rock chips in glass, hitting a deer, damage from flooding and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people 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 is a good idea.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, repair costs for stationary objects, court costs, legal defense fees and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage kick in for bills such as ambulance fees, dental work, EMT expenses, funeral costs and chiropractic care. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Pennies from heaven

We just presented a lot of information how to save on 1999 Mazda 626 insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm or Progressive.

Some insurance companies don’t offer online price quotes and usually these smaller companies provide coverage only through independent agencies. Budget-conscious 1999 Mazda 626 insurance is definitely available on the web as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money.

Much more information about auto insurance is available below: