1992 Mazda 929 Car Insurance Rates

Searching for the cheapest insurance rates for your Mazda 929? Locating the cheapest insurance for a Mazda 929 could be difficult, but you can follow the following methods to make it easier.

There is a right way and a wrong way to shop for insurance so you’re going to learn the best way to price shop coverage on a Mazda and obtain the lowest price.

How to get low cost car insurance

Finding a lower price on 1992 Mazda 929 insurance is surprisingly easy. You just have to take a couple of minutes comparing rates from some recommended companies. Insurance prices can be quoted using a couple different methods.

The most efficient way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This quick form keeps you from doing repetitive form submissions for each company you want a rate for. In just a few minutes this one form gets coverage cost estimates from several companies. It’s definitely the quickest method.

A less efficient way to shop for car insurance online consists of visiting each company website to request a price quote. For example, let’s say you want comparison quotes from State Farm, Safeco and Geico. In order to get each rate, you would have to spend time going to each site individually and repeatedly type in your coverage information, which can get old fast. For a list of links to insurance companies in your area, click here.

The least efficient and most time consuming way to quote and compare insurance rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you have a need for the personal advice that only an agent can give. Although, it is possible price shop your coverage online and have a local agent actually service the policy.

Which method you use is up to you, but be sure you’re using equivalent information on every price quote you get. If you compare different data it will be nearly impossible to make an equal comparison.

Components of your Mazda 929 insurance costs

Many different elements are part of the equation when you get a price on insurance. Some of the criteria are obvious like your driving record, although some other factors are more transparent like where you live or how safe your car is.

The itemized list below are some of the most rate-impacting factors insurance coverage companies consider when setting your rate level.

  • Better premiums with anti-theft devices – Choosing a vehicle with a theft deterrent system can help lower your rates. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.
  • Frequent claims increase premiums – If you file a lot of claims you can look forward to either policy cancellation or increased premiums. Auto insurance companies award most affordable rates to policyholders that do not abuse their auto insurance. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Liability coverage risk factors in – Your policy’s liability coverage will afford coverage if ever you are determined to be liable for causing personal injury or damage in an accident. Liability provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Gaps in coverage mean higher prices – Letting your insurance expire is a fast way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance can result in a steep fine or even jail time.
  • Additional coverages that may be costing you – Insurance policies have a lot of additional coverages that can add up on your 929 policy. Coverage for things like coverage for rental cars, towing coverage, and extra equipment coverage could be just wasting money. These may sound like a good investment initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Drive less and get lower prices – Driving a lot of miles each year the more you’ll pay to insure your vehicle. Many insurance companies price each vehicle’s coverage based on their usage. Vehicles left parked in the garage receive better premium rates than cars that get driven a lot. It’s a smart idea to ensure your insurance coverage declarations sheet states the correct usage. Improper usage on your 929 may be costing you.
  • Multiple policies with one company can save – Most major companies provide better rates to clients who buy several policies from them such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still save even more than the discount even if you insure with multiple companies

More discounts mean lower-cost premiums

Some companies do not advertise the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more well known and also the more inconspicuous credits available to bring down your rates. If you don’t get every credit you deserve, you are not getting the best rate possible.

  • Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.
  • Good Grades Discount – Being a good student can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
  • More Vehicles More Savings – Buying coverage for multiple vehicles with one company can get a discount on all vehicles.
  • Federal Employees – Simply working for the federal government may reduce rates when you quote insurance coverage on 929 coverage but check with your company.
  • Passive Restraints – Factory air bags may get savings of 25 to 30%.
  • E-sign – Certain larger companies will discount your bill up to fifty bucks shop insurance coverage on the internet.
  • Discount for Low Mileage – Low mileage vehicles could be rewarded with slightly better rates than normal.
  • Homeowners Savings – Owning a home may trigger a policy discount on insurance due to the fact that maintaining a home requires personal responsibility.
  • Accident Waiver – This one is not really a discount per se, but companies like Geico, Progressive, and Allstate will let one accident slide before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Discounts for New Vehicles – Adding a new car to your policy can get you a discount since newer vehicles have better safety ratings.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free insurance policy, it doesn’t quite work that way.

Some of the insurance companies that may offer quotes with most of the discounts above include:

If you are trying to find affordable insurance coverage quotes, ask every insurance company what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in your area.

It’s not one size fits all

When choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Is there coverage for injuries to my pets?
  • Is my 1992 Mazda 929 covered for flood damage?
  • How can I force my company to pay a claim?
  • Is extra glass coverage worth it?
  • Should I sign the liability waiver when renting a car?
  • Do I need an umbrella policy?
  • Do I need PIP (personal injury protection) coverage in my state?

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 insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Specific coverage details

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, pain medications, funeral costs, EMT expenses and nursing services. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mazda 929.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

Collision insurance will pay to fix damage to your 929 from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, damage from a tornado or hurricane, hail damage and falling objects. The maximum payout a insurance company will pay at claim time 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.

Liability coverage

This provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like repair bills for other people’s vehicles, loss of income and court costs. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Save your cold hard cash

Consumers leave their current company for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, policy non-renewal or delays in responding to claim requests. It doesn’t matter why you want to switch finding the right insurance provider is less work than it seems.

Lower-priced insurance can be sourced online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not have online price quotes and these regional carriers only sell through independent agencies.

When searching for cheap insurance coverage quotes, you should never skimp on coverage in order to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the best price while still protecting your assets.

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Comments About 1992 Mazda 929 Insurance

  1. Nick Short

    Progressive and Allstate were both pretty cheap in Augusta, GA.

  2. Hortensia Reeves

    Anyone know of any company in Bangor, ME that will insure high risk drivers?

  3. Gary Leon

    Nice post. Quoted with AAA for my 1992 Mazda 929 and saved about $110 a year. I quoted rates online then called them.

  4. Jed Woodward

    Just a quick comment on my experience. I live west of Parkersburg, WV. Got car insurance quotes from Allstate, Erie, and Hanover for my 1992 Mazda 929 and saved just over $90 a year. Left 21st Century to switch. Just go online and compare their rates.

  5. Kindra Burch

    Does Progressive offer multi-policy discounts?

  6. Hans Tyson

    I found pretty cheap rate quotes for a 1992 Mazda 929 in Cranston, RI. Ended up at roughly $90 every six months with Amica. Next renewal I’ll just do liability.

  7. Maurita Cunningham

    In Chesapeake, VA, AAA had the best rates for my 1992 Mazda 929. I recommend comparing lots of rates. I dropped full coverage awhile back.

  8. Santo Downs

    I got quite a few price quotes for a 1992 Mazda 929 in Baton Rouge, Louisiana. Ended up at darn near $100 every six months with AIG Insurance. Left Safeco to switch. Got better coverage too. God forbid I actually have a claim. It’s too old for full coverage.

  9. Blossom Miller

    All insurance companies are crooks.

  10. Vanetta Sweet

    I’m just east of Nashville, Tennessee. Got car insurance prices from Progressive, AAA, Encompass, and Liberty Mutual for my Mazda and saved about $110 a year. Left Farmers to switch. I don’t have comp or collision coverage.

  11. Jan Rowland

    I found pretty cheap rate quotes for a 1992 Mazda 929 in Great Falls, MT. Ended up at right around $80 every six months with Auto-Owners. Left AIG Insurance to switch. Get lots of quotes to find the best rate. It’s too old for full coverage.

  12. Sunday Casey

    Just my two cents. I’m from Aurora, Colorado. Quoted quotes from AAA, Erie, and MetLife for my 1992 Mazda 929 and saved just over $110 a year. They have a lot of discounts available. Hardly afford to drive anymore.