1993 Mazda 323 Insurance Quotes – 7 Tips for Cheaper Rates

Searching for better insurance coverage rates for your Mazda 323? Paying for pricey Mazda 323 insurance can deplete your budget and possibly require postponing other expenditures. Comparing rate quotes is a smart way to reduce premiums and put more money in your pocket.

Due to the increasing number of companies and agents to choose from, it’s difficult to locate the best insurer.

It’s a good habit to get comparison quotes yearly since rates change frequently. If you had the lowest rate on 323 coverage a few years ago you may be paying too much now. There is lot of inaccurate information about insurance coverage on the internet, but you can learn some tested techniques to find affordable insurance coverage.

Lower rates by qualifying for these seven discounts

Companies offering auto insurance don’t always publicize all disounts in an easy-to-find place, so we took the time to find some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

• Driver Training Discounts – Taking a class that teaches safe driver techniques is a good idea and can lower rates and make you a better driver.
• Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on 323 coverage with a few car insurance companies.
• Early Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.
• Braking Control Discount – Cars that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
• No Claim Discounts – Insureds with no claims or accidents have much lower rates as compared to accident-prone drivers.
• Drive Less and Save – Fewer annual miles on your Mazda can qualify you for lower prices on the low mileage vehicles.
• Air Bags and Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 25 to 30%.

Remember that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will lower the cost of your policy.

Insurance companies that may have these benefits may include but are not limited to:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

When getting a coverage quote, ask each company to apply every possible discount. Some discounts listed above may not be available everywhere. To see a list of insurance companies with discount rates, click here to view.

Auto insurance is unique, just like you

When buying the best auto insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

• Are split liability limits better than a combined single limit?
• Why does it cost so much to insure a teen driver?
• Is upholstery damage covered by car insurance?
• Is a new car covered when I drive it off the dealer lot?
• Is my state a no-fault state?
• I have a DUI can I still get coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of car insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mazda 323.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for liability

This can cover damage that occurs to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects, loss of income, structural damage and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, nursing services and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, damage from a tornado or hurricane, falling objects and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This coverage will pay to fix damage to your 323 caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, rolling your car, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

More effort can pay off

When shopping online for insurance, make sure you don’t reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. The aim is to purchase plenty of coverage at an affordable rate.

Throughout this article, we presented many ways to save on 1993 Mazda 323 insurance. The key concept to understand is the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may even discover the best rates are with a small local company. Regional companies can often provide lower car insurance rates in certain areas compared to the large companies like Progressive or Geico.

To learn more, feel free to visit these articles:

• Determing Auto Insurance Rates (Geico)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)