Save on 1993 Mazda RX-7 Insurance Quotes

Searching for better auto insurance rates? Consumers have lots of choices when looking for low-cost Mazda RX-7 insurance. They can either waste time calling around trying to get quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the proper way to get price quotes for a new or used Mazda and locate the best price possible.

Consumers need to get comparison quotes before your policy renews since insurance rates fluctuate regularly. Even if you think you had the lowest rate on RX-7 insurance at your last renewal you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best methods to get good coverage at a lower rate.

The purpose of this post is to familiarize you with the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Drivers just need to learn how to get comparison rates on the web.

Verify you’re receiving every discount

Insurance can be pricey, but you might already qualify for some discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but a few must be asked about prior to receiving the credit.

• Military Discounts – Being deployed with a military unit could qualify you for better insurance rates.
• Drive Less and Save – Low mileage vehicles could be rewarded with substantially lower insurancerates.
• Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts can receive discounts of 25 to 30%.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
• Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
• Club Memberships – Being a member of certain professional organizations is a good way to get lower rates when getting a insurance coverage quote.

Please keep in mind that most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, insurance companies aren’t that generous.

A few of the larger companies and the discounts they provide include:

• State Farm may have discounts that include good driver, Steer Clear safe driver discount, good student, multiple policy, student away at school, Drive Safe & Save, and defensive driving training.
• Esurance has discounts for anti-theft, Pac-12 alumni, DriveSense, good driver, defensive driver, and Switch & Save.
• Progressive offers premium reductions for multi-vehicle, online signing, homeowner, multi-policy, and good student.
• Liberty Mutual offers discounts for multi-car, new graduate, new move discount, preferred payment discount, hybrid vehicle, and multi-policy.
• Auto-Owners Insurance policyholders can earn discounts including teen driver, group or association, student away at school, anti-lock brakes, and paid in full.
• Geico may include discounts for air bags, multi-policy, anti-lock brakes, federal employee, and daytime running lights.

When getting a coverage quote, ask each company or agent to apply every possible discount. Some discounts may not apply to policyholders in your area. If you would like to choose from a list of insurers that provide some of the discounts listed above, click here.

The best way to compare car insurance company rates is to realize auto insurance companies participate in online systems to compare rate quotes. To get started, all you need to do is give them some information including types of safety features, how your vehicles are used, how much coverage you want, and how many miles driven. The rating information gets transmitted to all major companies and they return rate quotes very quickly.

To check Mazda RX-7 insurance prices now, click here and complete the quick form.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

• Can I afford low physical damage deductibles?
• Am I covered if hit by an uninsured driver?
• Should I buy additional glass protection?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How do I file an SR-22 for a DUI in my state?
• Why am I required to get a high-risk car insurance policy?
• What is no-fault insurance?
• Does insurance cover tools stolen from my truck?
• Is a blown tire covered by insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Car insurance 101

Knowing the specifics of car insurance can help you determine the best coverages for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Mazda RX-7.

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 very important. Most of the time these limits do not exceed the liability coverage limits.

Liability insurance

This can cover damage that occurs to people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as structural damage, loss of income, medical services, bail bonds and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for EMT expenses, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hail damage, hitting a deer and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting 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 such as driving through your garage door, rolling your car, scraping a guard rail, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Shop. Compare. Save.

As you quote insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where someone dropped comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

Consumers change insurance companies for many reasons like lack of trust in their agent, delays in paying claims, poor customer service and even high rates after DUI convictions. Regardless of your reason, finding a new insurance coverage company can be less work than you think.

In this article, we covered some good ideas how you can compare 1993 Mazda RX-7 insurance rates online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance coverage. You may even find the best rates are with the least-expected company.

Other learning opportunities

• Think You’re a Safe Driver? (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)