1991 Mazda MPV Car Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance policy.

Big companies like State Farm, Allstate, Geico and Progressive increase brand awareness with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a great practice to get comparison quotes periodically due to the fact that insurance prices change frequently. Even if you think you had the best deal on MPV insurance six months ago there may be better deals available now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.

Low cost insurance prices

All major insurance companies give insurance quotes directly from their websites. Getting quotes is very simple as all you need to do is type in the coverages you want into the form. After you submit the form their quoting system will obtain credit information and your driving record and generates pricing information. Being able to quote online simplifies rate comparisons, but the work required to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it’s absolutely necessary to perform this step if you want to find better prices.

The easiest way to lower your rates uses one simple form that gets price quotes from more than one company. This type of form saves time, requires less work, and makes rate comparisons a little more enjoyable. After sending the form, it is rated with multiple companies and you can pick any one of the quotes returned. If you find a better price you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to use this form to compare rates, click here and enter your information. To compare your current rates, we recommend you duplicate the coverage information as shown on your current policy. Doing this assures you will get an apples-to-apples comparison for the exact same coverage.

Lower-cost car insurance rates with discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that can help lower your rates. Certain credits will be shown at the time of quoting, but a few must be specially asked for before you get the savings. If you’re not getting every credit you deserve, you are just wasting money.

  • New Vehicle Savings – Putting coverage on a new car can get you a discount because newer models are generally safer.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. Most companies allow this discount up to age 25.
  • Passenger Safety Discount – Factory air bags or motorized seat belts can get savings up to 30%.
  • Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Drive Less and Save – Fewer annual miles on your Mazda may allow you to get lower car insurancerates due to less chance of an accident.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Mature Driver Discount – Seniors can possibly qualify for a small decrease in premiums on MPV insurance.
  • Good Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on MPV insurance than drivers with accident claims.
  • Seat Belt Usage – Forcing all vehicle occupants to use a seat belt can save a little on medical payment and PIP coverage.

We need to note that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

To see a list of providers with significant discounts, click here to view.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions may help you determine if your situation could use an agent’s help.

  • Is motorclub coverage worth it?
  • What companies insure drivers after a DUI or DWI?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when pulling a rental trailer?
  • What is medical payments coverage?
  • Does my car insurance cover rental cars?
  • Where can I find high-risk insurance?
  • Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Learn how to get insurance coverage at a discount

Part of the insurance coverage buying process is learning some of the elements that play a part in calculating insurance coverage rates. When you understand what determines base rates, this empowers consumers to make smart changes that may reward you with lower rates. Many different elements are part of the equation when quoting car insurance. Some are obvious such as traffic violations, but some are not quite as obvious such as whether you are married or your financial responsibility.

  • Pleasure use or commuting – Driving a lot of miles in a year the more you will pay for insurance coverage. Many insurance companies calculate prices partially by how you use the vehicle. Cars not used for work or commuting receive lower rates than those that get driven frequently. Double check that your insurance coverage declarations sheet correctly shows annual mileage, because improper ratings can cost you money. Improper usage on your MPV is throwing money out the window.
  • Big cities mean more claims – Having an address in smaller towns and rural areas of the country is a good thing when talking about insurance coverage. Fewer people corresponds to lower accident rates. Drivers in populated areas have to deal with more auto accidents and longer commutes to work. More time behind the wheel means more chance of being in an accident.
  • Poor credit rating equals high premiums – Having a bad credit score will be a significant factor in determining premium rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores. So if your credit rating is not that good, you could pay less to insure your 1991 Mazda MPV by improving your credit score.
  • Frequent insurance coverage claims increase rates – If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Insurance companies award the lowest premiums to drivers who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Only buy extra policy coverages you need – There are many additional extra coverages that you can buy on your insurance coverage policy. Things like rental car coverage, accidental death, and term life insurance may be costing you every month. They may sound like good ideas when deciding what coverages you need, but if they’re wasting money get rid of them and save.
  • Combine policies to earn discounts – Most major companies will give lower prices to insureds who buy several policies from them. It’s known as a multi-policy discount. The discount can add up to ten or even fifteen percent. If you currently are using one company, it’s always a smart idea to comparison shop to verify if the discount is saving money.There is a good possibility that you can find better rates by splitting coverages up.

Coverage specifics

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Collision protection

Collision coverage covers damage to your MPV resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, rolling your car, crashing into a building, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mazda MPV.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed, a broken windshield and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance can cover damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, 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 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, court costs, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for things like funeral costs, ambulance fees and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Shop around and save

Lower-priced insurance is attainable online in addition to many insurance agents, so you need to shop insurance with both in order to have the best chance of saving money. Some insurance companies may not have online quoting and many times these regional insurance providers provide coverage only through independent insurance agents.

In this article, we covered a lot of ways to save on 1991 Mazda MPV insurance. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper insurance. You may be surprised to find that the lowest prices are with some of the lesser-known companies. These smaller insurers often have lower rates on specific markets compared to the large companies like Progressive or Geico.

Additional learning opportunities

Comments About 1991 Mazda MPV Insurance

  1. Nick Santana

    I live in Columbus, GA. Quoted with AAA, Nationwide, and Western Auto Insurance for my MPV and I think I saved about $30 each month. I think they have home insurance too. LOL Next renewal I’ll just do liability.

  2. Roselle Allen

    It all costs too much. I’m in Gulfport, Mississippi. Got rates from State Farm, Erie, and Liberty Mutual for my MPV and saved $116 a year. It’s too old for full coverage.

  3. Ezekiel Holden

    Anyone understand their policy?

  4. Bong Riddle

    Does GEICO have good customer service?

  5. Chrystal Jimenez

    I’m in the suburbs of Worcester, Massachusetts. Compared quite a few companies. Saved right around $20 a month. 21st Century was the cheapest for me. Left Allstate to switch. Get lots of quotes to find the best rate.

  6. Ena Davidson

    21st Century was cheapest for my 1991 Mazda MPV in Baton Rouge, LA.

  7. Albertine Guzman

    If you’re from Louisville, KY get quotes from State Farm and GEICO and you might save.

  8. Marquis Young

    Just my two cents. Live in Houston, TX. I quoted with AIG Insurance, Mercury, and a few others for my Mazda and I think I saved around $20 each month. Thankfully I’m not a high risk driver. They have free quotes online. I’m thinking about dropping full coverage though.

  9. Angelica Duffy

    Does Progressive insure teenage drivers?

  10. Earlie Horton

    Does State Farm offer new car replacement?

  11. Sharla Carver

    Here’s my info. Lifelong resident of Allentown, PA. Received quotes with Western Auto Insurance, Amica, The General, and Mercury for my 1991 Mazda MPV and am saving around $100 a year. They have a lot of discounts available. I only have liability coverage on it.

  12. Virgilio Stafford

    Hope my rates come down. Live in the southern part of Kansas City, Kansas. Went online for free insurance quotes for a 1991 Mazda MPV. Ended up at about $110 savings annually. Went with 21st Century. Even increased coverage a bit. Just liability coverage since it’s getting old.

  13. Terresa Barr

    Nice post. From a town just southwest of Birmingham, AL. I quoted with Allstate, AAA, and Encompass for my MPV and I think I cut my rates about $20 each month. Just go online and compare their rates.

  14. Marylynn Francis

    Great info, thanks for posting. I live just outside Jackson, Mississippi. Can’t remember who all I quoted but I ended up saving about $20 each month. You can get a rate quote online. Just liability coverage since it’s getting old.

  15. Ronna Hayes

    If you have a good history and live in the vicinity of Parkersburg, West Virginia, check out GEICO. They seem to be cheaper. Even increased coverage a bit.

  16. Connie Torres

    I’m looking for cheaper coverage. I live on the south side of Nashua, NH. Got prices from Hanover, Amica, MetLife, and a couple others for my MPV and I think I cut my rates about $20 each month. Book value doesn’t justify full coverage anymore.

  17. Leah Wiley

    Is Allstate cheap in Cedar Rapids, IA?