1990 Mazda MX-6 Car Insurance Rates – 9 Tricks for Best Quotes

Have you finally had enough of not being able to scrape enough together to pay insurance coverage each month? Your situation is no different than most other people.

Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and get the definite best rate

It’s smart to take a look at other company’s rates before your policy renews since prices are variable and change quite frequently. Just because you had the best quotes on MX-6 insurance last year there may be better deals available now. Ignore everything you know about insurance coverage because I’m going to teach you how to use online quotes to find better rates and still maintain coverage.

How much is auto insurance?

To get cheaper car insurance quotes, there a variety of ways of comparing rates from many available auto insurance companies in your state. One of the best ways to do a complete rate comparison consists of shopping online. This can be accomplished in a couple minutes as outlined below.

1. The most recommended method to get quotes is to use a rate comparison form (click to open form in new window). This method prevents you from having to do separate quotation requests for each company. Filling out one form will get you rate comparisons from many national carriers.
2. A less efficient way to find lower rates is to manually visit each company website and fill out a new quote form. For sake of this example, we’ll assume you want to compare prices for State Farm, Safeco and Allstate. You would have to go to every website and repeatedly type in your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using identical coverage limits on every quote. If the quotes have higher or lower deductibles it’s impossible to decipher which rate is best. Having just a slight variation in limits could skew the results. Just remember that comparing all the rates in your area provides better odds of finding the best rates. Some regional insurers cannot provide prices over the internet, so it’s important to compare price quotes from the smaller companies as well.

Nine discounts for lower-cost car insurance quotes

Some insurers don’t always advertise all possible discounts in a way that’s easy to find, so the following list contains both the well known and the more hidden credits available to you.

• Professional Organizations – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on car insurance.
• Discount for Multiple Policies – If you combine your auto and home policies and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.
• Government Employees – Federal government employees may reduce rates when you quote car insurance on MX-6 insurance but check with your company.
• Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
• Driver’s Ed – Teen drivers should enroll in driver’s education as it can save substantially.
• Cautious Driver Discount – Accident-free drivers may receive a discount up to 45% on MX-6 insurance compared to accident prone drivers.
• E-sign Discounts
• Driver Safety – Taking time to complete a safe driver class could cut 5% off your bill if your company offers it.
• Telematics Data – People who choose to allow their company to look at their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they have good driving habits.

One thing to note about discounts is that many deductions do not apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, you won’t be that lucky.

A few of the larger companies and a selection of discounts are detailed below.

• State Farm offers discounts including good driver, multiple autos, student away at school, defensive driving training, and passive restraint.
• Geico offers premium reductions for five-year accident-free, military active duty, seat belt use, anti-lock brakes, and air bags.
• Allstate policyholders can earn discounts including economy car, teenSMART discount, premier plus, auto/life discount, utility vehicle, and multi-policy.
• SAFECO may offer discounts for teen safe driver, multi-car, teen safety rewards, accident prevention training, anti-lock brakes, homeowner, and safe driver.
• Farm Bureau discounts include safe driver, multi-policy, multi-vehicle, youthful driver, good student, renewal discount, and driver training.
• Progressive has discounts for continuous coverage, good student, multi-vehicle, online signing, online quote discount, multi-policy, and homeowner.
• AAA includes discounts for multi-car, multi-policy, good student, education and occupation, anti-theft, pay-in-full, and AAA membership discount.

It’s a good idea to ask each company what discounts are available to you. Depending on the company, some discounts might not be offered in every state. To see a list of insurance companies with discount rates, click this link.

You may need specialized auto insurance coverage

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Every situation is different so this has to be addressed. For instance, these questions can aid in determining if you might need professional guidance.

• What companies insure drivers after a DUI or DWI?
• Should I have a commercial auto policy?
• When does my teenage driver need to be added to my policy?
• Can I get a multi-policy discount?
• Am I covered if I drive in a foreign country?
• What is high-risk coverage and where do I buy it?
• Is my camper covered by my car insurance policy?
• What is the minimum liability in my state?
• Do I need medical payments coverage since I have good health insurance?
• What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show 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 property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as legal defense fees, loss of income, repair bills for other people’s vehicles, pain and suffering and funeral expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for X-ray expenses, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Mazda MX-6.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Auto collision coverage

This coverage pays for damage to your MX-6 from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, colliding with another moving vehicle, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

A penny earned…

In this article, we covered many tips how you can save on 1990 Mazda MX-6 insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as Progressive or Geico.

When buying insurance coverage, do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret that it was a big error on their part. Your goal is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

Additional detailed information is available by following these links:

• Red Light Cameras (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Distracted Driving (Insurance Information Insitute)