How Much Does 1999 Mazda B-Series Pickup Insurance Cost?

Do you think you bought an overpriced insurance policy? Say no more because there are lots of residents who feel the same.

Many car insurance companies vie for your business, so it can be very hard to choose a insurer to discover the definitive best price available.

It’s a good habit to quote other rates occasionally because insurance rates trend upward over time. Even if you got the lowest premium rates for B-Series pickup coverage last year you can probably find a better price now. Ignore everything you know about insurance because you’re about to find out how to quote online to get good coverage at a lower rate.

If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Finding the best rates is not rocket science. But drivers do need to understand the way insurance companies determine prices and use this information to your advantage.

Discount insurance rates

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts to help offset the cost. Some discounts will apply at the time you complete a quote, but a few must be specially asked for prior to getting the savings.

Discounts for Good Drivers – Insureds who avoid accidents can save as much as half off their rates for B-Series pickup coverage than drivers with accident claims.
Senior Discount – If you qualify as a senior citizen, you are able to get a small discount on rates for B-Series pickup coverage.
No Accidents – Insureds who avoid accidents and claims pay much less as opposed to drivers who are more careless.
Discount for Multiple Policies – If you have multiple policies with the same company you may save 10% to 20% off each policy.
Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents and will save you 10% or more.
Multiple Cars – Having multiple vehicles on one policy can reduce the rates for all insured vehicles.
Homeowners Pay Less – Being a homeowner can help you save on insurance because owning a home requires a higher level of personal finance.
Discount for Low Mileage – Driving less could earn better insurancerates on cars that stay parked.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.

A few popular companies and their offered discounts are included below.

Progressive discounts include multi-vehicle, online quote discount, continuous coverage, homeowner, good student, and online signing.
Geico may include discounts for good student, emergency military deployment, federal employee, anti-theft, multi-policy, and five-year accident-free.
State Farm offers premium reductions for defensive driving training, safe vehicle, driver’s education, multiple autos, anti-theft, and multiple policy.
Esurance has discounts for anti-lock brakes, homeowner, multi-car, good driver, and good student.
The Hartford offers discounts for air bag, defensive driver, vehicle fuel type, driver training, anti-theft, and good student.

When getting a coverage quote, ask every prospective company what discounts are available to you. Discounts may not apply to policyholders in every state.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine if your insurance needs could use an agent’s help.

How can I find cheaper teen driver insurance?
What is covered by UM/UIM coverage?
Do I need motorclub coverage?
If my pet gets injured in an accident are they covered?
What are the financial responsibility laws in my state?
Will my rates increase for filing one claim?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

What auto insurance coverages do you need?

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane and falling objects. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, doctor visits, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair bills for other people’s vehicles, attorney fees, pain and suffering, court costs and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

One last thing

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. In many cases, an insured dropped collision coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

We just presented some good ideas how to compare 1999 Mazda B-Series Pickup insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with the smaller companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.