1993 Mazda 626 Insurance Quotes – 6 Ideas for Best Rates

Want lower insurance coverage rates for your Mazda 626? Perplexed by the number of insurance coverage companies available to you? You’re not alone. You have so many companies available that it can easily become a chore to find lower prices.

You should make it a habit to quote other rates on a regular basis because insurance rates are usually higher with each renewal. Even if you think you had the lowest rate on 626 insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to teach you the things you must know in order to save money, get proper coverage and the best rates.

Lower your insurance rates with these six discounts

Car insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Many of these discounts will be applied automatically when you get a quote, but a few must be manually applied before being credited.

  • Good Student – Excelling in school may save you up to 25%. Earning this discount can benefit you up until you turn 25.
  • Telematics Data – Insureds that choose to allow their insurance company to look at driving manner through the use of a telematics system such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts of more than 20%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates when getting a car insurance quote.
  • Own a Home and Save – Owning a house can get you a discount since owning and maintaining a home is proof that your finances are in order.

It’s important to note that some credits don’t apply the the whole policy. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, insurance companies aren’t that generous.

Some companies that possibly offer most of these discounts include:

Before you buy a policy, ask all companies you are considering how you can save money. Some discounts listed above may not be offered everywhere.

You are unique and your insurance coverage should be too

When choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation might need professional guidance.

  • Is business property covered if stolen from my car?
  • Who is covered by my policy?
  • Can my teen drive my company car?
  • Do I need replacement cost coverage?
  • Is my camper covered by my car insurance policy?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability auto insurance

Liability insurance can cover damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as repair costs for stationary objects, bail bonds and attorney fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Mazda 626.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Collision insurance

Collision coverage pays for damage to your 626 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like pain medications, dental work, hospital visits and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, theft and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be a Smart Shopper

Affordable 1993 Mazda 626 insurance is attainable on the web in addition to local insurance agencies, so get free car insurance quotes from both of them to have the best selection. Some insurance companies do not provide online quoting and these smaller companies only sell coverage through local independent agents.

When searching for affordable car insurance quotes, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an accident victim reduced liability coverage limits only to find out that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the best cost and still be able to protect your assets.

You just learned quite a bit of information on how to compare 1993 Mazda 626 insurance rates online. The key thing to remember is the more rate quotes you have, the higher your chance of finding inexpensive car insurance. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company.

To read more, take a look at the articles below:

Comments About 1993 Mazda 626 Insurance

  1. Sudie Figueroa

    If you don’t have tickets and are close to Warwick, Rhode Island, check out Progressive. They seem to be cheaper. Thankfully I’m not a high risk driver.

  2. Aretha Leon

    Well-written and thought out article. I’m in the south part of Indianapolis, IN. Compared quite a few companies. Saved about $20 a month. GEICO was the cheapest option for me. I’m a pretty good driver though. Just waiting to see how claims go. When should I drop full coverage?

  3. Jeane Bryant

    Looking for cheaper 1993 Mazda 626 insurance in San Jose, CA. Help!

  4. Mara Finley

    Live in the southern part of Burlington, VT. Not sure of all the companies but I ended up saving about $30 each month. Was with Progressive. I think they have home insurance too.

  5. Merrie Hughes

    I’m in the suburbs of Montgomery, AL. Got car insurance quotes with Progressive, Esurance, and Liberty Mutual for my 626 and I’m now saving $16 a month. Thankfully I’m not a high risk driver. I just carry liability insurance.

  6. Fletcher Lang

    I’m in the west part of Buffalo, NY. Can’t remember who all I quoted but I ended up saving about $20 each month. Got better coverage too. It’s only liability tho.

  7. Sol Carrillo

    If you have a good history and live around Baltimore, MD, check out GEICO. You might get cheaper rates. Hardly afford to drive anymore. When should I drop full coverage?

  8. Rebekah Thornton

    Cheaper not always better. Went with MetLife for my 626 and saved about $70 a year.

  9. Valencia Melton

    I found pretty cheap rate quotes for a 1993 Mazda 626 in Bismarck, ND. Ended up at roughly $100 every six months with AAA. Left Western Auto Insurance to switch. I used their website to get prices.

  10. Terrell Espinoza

    Does Allstate have low rates for teen drivers?

  11. Cherlyn Harrell

    Nice post. From a town just southwest of Aurora, CO. Got free quotes online for a 1993 Mazda 626. Ended up at about $100 savings annually. Went with Progressive. Left Progressive to switch. They have free quotes online.

  12. Misty Ratliff

    Will GEICO give discounts for good grades?

  13. Mary Cardenas

    I’ve insured with Allstate for a long time. Pretty cheap in Aurora, IL.

  14. Alexis Noel

    All companies are crooks. I live on the west side of Knoxville, Tennessee. Quoted rates from State Farm, AIG Insurance, and Eastwood for my 1993 Mazda 626 and saved just over $70 a year. My 626 doesn’t have full coverage.

  15. Felicia Mcmahon

    I chose to switch to Progressive from Amica. I live in Oklahoma City, Oklahoma. Online quotes are the way to go. Just liability coverage since it’s getting old.

  16. Ellis Mcclure

    Does 21st Century have good customer service?