1990 Mazda 626 Insurance Rates – 6 Tips to Save

Trying to find the cheapest auto insurance rates for your Mazda 626? Sick and tired of paying out the nose to pay auto insurance each month? Your situation is no different than millions of other consumers. Online insurance companies like Geico, 21st Century and Progressive constantly bombard you with fancy advertisements and it is difficult to separate fact from fiction and do the work needed to find the best deal.

If you have a policy now or are shopping for new coverage, you can follow these tips to find the best rates and still get good coverage. Buying car insurance is quite easy. Drivers just need to understand the tricks to get comparison quotes over the internet.

Affordable insurance quotes with discounts

Auto insurance companies don’t necessarily list their entire list of discounts very well, so the following is a list of both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • Telematics Discount – Drivers that enable their insurance company to look at when and where they use their vehicle by using a telematics device like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
  • Discounts for Responsible Drivers – Insureds without accidents may save up to 50% more on 626 insurance than their less cautious counterparts.
  • Senior Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates on 626 insurance.
  • Paper-free Discount – A handful of insurance companies will give a small break for buying a policy and signing up on your computer.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle is cheaper because newer vehicles are generally safer.
  • Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.

Just know that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.

Companies and their possible discounts can be read below.

  • Geico has discounts for federal employee, anti-theft, driver training, seat belt use, air bags, membership and employees, and emergency military deployment.
  • MetLife policyholders can earn discounts including good driver, good student, accident-free, multi-policy, and defensive driver.
  • State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, driver’s education, student away at school, passive restraint, and multiple policy.
  • Progressive has savings for online quote discount, homeowner, continuous coverage, good student, and multi-policy.
  • Mercury Insurance may have discounts that include annual mileage, professional/association, type of vehicle, low natural disaster claims, location of vehicle, multi-car, and anti-theft.
  • 21st Century offers discounts for defensive driver, automatic seat belts, student driver, homeowners, and anti-lock brakes.
  • Allstate offers discounts including new car, eSmart discount, resident student, multi-policy, and auto/life discount.

Double check with each company or agent to give you their best rates. Some discounts may not be offered everywhere. To view companies with the best discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do all my vehicles need collision coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my friends covered when driving my car?
  • Am I covered when delivering products for my home-based business?
  • Is my babysitter covered when using my vehicle?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Do drivers who switch really save $484 a year?

Drivers get pounded daily by advertisements that claim the lowest prices from the likes of Progressive, Allstate and Geico. All the companies try to convey promises that people will save if you move to their company.

How does each company charge you less for auto insurance? This is the way they can do it.

All the different companies look for specific characteristics for the type of driver that makes them money. A good example of a preferred risk could possibly be over the age of 35, is a homeowner, and drives newer vehicles. A driver that meets those criteria will get a cheap rate quote and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged a higher premium which results in the customer not buying. The wording the ads use say “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can make the claims of big savings.

Because each company has a different risk profile, it’s extremely important to compare as many free auto insurance quotes as you can. It is impossible to predict the company that will give you the biggest savings.

The coverage is in the details

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by car insurance companies.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills such as dental work, X-ray expenses, surgery and funeral costs. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, vandalism, damage from getting keyed and hitting a deer. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mazda 626.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability insurance

This protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as repair costs for stationary objects, loss of income, attorney fees and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your 626 caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Get your money’s worth

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. In too many instances, someone sacrificed collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at the best price.

Lower-priced 1990 Mazda 626 insurance is possible on the web and with local 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 don’t offer internet price quotes and most of the time these smaller companies work with independent agents.

Additional detailed information can be found in the articles below:

Comments About 1990 Mazda 626 Insurance

  1. Saturnina Delaney

    IT’S ALL TOO EXPENSIVE! Located in Fairbanks, Alaska. I got free rates from GEICO, AAA, and some I forget for my 626 and I think I am saving around $30 each month. Thankfully I have a good driving record. It’s still not cheap enough. I only have liability coverage on it.

  2. Delinda Compton

    Like your site, BTW. I live just to the east of Birmingham, AL. Don’t remember every company but I ended up saving about $10 each month. I get a discount for insuring multiple vehicles. Book value doesn’t justify full coverage anymore.