1994 Mazda 626 Insurance Quotes – 6 Tips for Best Rates

Looking for lower car insurance rates for your Mazda 626? Did a good deal turn into overpriced car insurance? Trust us, there are many drivers thinking the same thing. Due to the increasing number of options when it comes to car insurance, it can be challenging to find the best car insurance provider.

You should take the time to take a look at other company’s rates occasionally because car insurance prices are constantly changing. Even if you think you had the lowest rate on 626 insurance last year there may be better deals available now. Ignore everything you know about car insurance because we’re going to show you one of the easiest ways to save money, get proper coverage and the best rates.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Consumers only need an understanding of the tricks to get comparison rates over the internet.

Use discounts to get cheaper car insurance quotes

Companies offering auto insurance don’t list every disount available very clearly, so the following list contains a few of the more common and also the lesser-known discounts that you may qualify for.

  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on medical payment and PIP coverage.
  • Student in College – College-age children who are enrolled in higher education away from home and do not have a car may qualify for this discount.
  • New Vehicle Savings – Putting car insurance coverage on a new car can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
  • 55 and Retired – Drivers that qualify as senior citizens may be able to get a small discount on rates on 626 insurance.
  • Organization Discounts – Joining a professional or civic organization could trigger savings on car insurance.

Please keep in mind that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

To locate providers who offer car insurance discounts, click this link.

Compare free car insurance price quotes

Most major insurance companies like State Farm and Allstate allow you to get insurance quotes direct online. Getting online rates is fairly simple because it’s just a matter of typing in your coverage information on the page. Once you submit the form, the quote system collects reports for credit and driving violations and returns a price based on these factors. Quoting online helps simplify price comparisons, but the work required to visit different websites and type in the same information gets old quite quickly. But it’s necessary to have as many quotes as possible in order to find a better rate.

The quickest way to locate the lowest prices requires only one form to return rates from a lot of companies. It saves time, reduces the work, and makes comparison shopping much more enjoyable. After sending the form, it is quoted with multiple companies and you can pick any one of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To quickly get comparison pricing now, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you copy the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you are getting rate comparison quotes for similar coverage.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Is extra glass coverage worth it?
  • Why does it cost so much to insure a teen driver?
  • How do I insure my teen driver?
  • Who is covered when they drive my 1994 Mazda 626?
  • What can I do if my company won’t pay a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my 1994 Mazda 626 covered for flood damage?
  • Is a fancy paint job covered?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Will you really save $388 on auto insurance?

Consumers can’t escape the ads that claim the best premium rates from companies such as State Farm and Allstate. All the companies have a common claim that drivers will save a bundle if you switch your coverage.

How can each company charge you less for car insurance? This is how they do it.

Auto insurance companies have a certain “appetite” for the type of driver that earns them the highest profit. A good example of this type of insured may be over the age of 35, has had continuous coverage, and drives newer vehicles. Anybody that fits those parameters will most likely get cheap car insurance rates and will most likely cut their rates substantially.

Consumers who do not meet this ideal profile may be forced to pay higher rates which leads to the customer not purchasing. The ads state “drivers who switch” but not “all drivers who get quotes” save that much. That’s why insurance companies can confidently advertise the way they do. Each company has different criteria, so you absolutely need to compare as many free insurance quotes as you can. It’s just not possible to know which auto insurance company will have the lowest rate quotes.

Car insurance coverages for a 1994 Mazda 626

Having a good grasp of your auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Auto liability insurance

This coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to 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 can pay for claims such as emergency aid, court costs, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like pain medications, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from flooding, theft, vandalism and hitting a bird. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building, colliding with another moving vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

At the end of the day…

Some insurance providers may not have the ability to get a quote online and many times these smaller providers prefer to sell through independent insurance agencies. Affordable 1994 Mazda 626 insurance is possible on the web as well as from independent agents, and you should be comparing both in order to have the best chance of saving money.

Throughout this article, we presented a lot of tips how to save on 1994 Mazda 626 insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable insurance. You may be surprised to find that the biggest savings come from a small local company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

More information

Comments About 1994 Mazda 626 Insurance

  1. Rebbecca Heath

    I found pretty cheap rate quotes for a 1994 Mazda 626 in Las Cruces, New Mexico. Ended up at roughly $80 every six months with American Family. Liability only on my Mazda.

  2. Lavelle Wilkinson

    Cheap is not always the best policy. Lifelong resident of Columbus, Ohio. Not sure of all the companies but I ended up saving about $30 each month. It never hurts to quote around. I only have liability coverage on it.

  3. Illa Huff

    In Missoula, MT, Progressive is a good choice.

  4. Lorilee Acosta

    If you’re a decent driver and live near Tampa, FL, check out 21st Century. You might get cheaper rates. Insured with Liberty Mutual before. Even increased coverage a bit.

  5. Laure Byrd

    If you’re from Newark, DE get quotes from Allstate and Progressive and you might save.

  6. Season Stokes

    I got quite a few price quotes for a 1994 Mazda 626 in Hartford, CT. Ended up at about $120 every six months with American Family. Left Sentry to switch. I got a quote from their website.

  7. Deon Houston

    I’m in the south part of Jackson, MS. Quoted with AIG Insurance, Sentry, and USAA for my Mazda and cut my rates about $90 a year. Insured with Hanover before. Got better coverage too. Are quotes cheaper online?

  8. Kellye Alexander

    Well-written and thought out article. I’m just west of Nampa, ID. Got car insurance prices from AAA, Safeco, and a few others for my Mazda and saved just over $70 a year. A clean driving record helps.

  9. Ellena Lynch

    I live just outside Missoula, MT. Got car insurance prices from Allstate, Auto-Owners, and some I forget for my 626 and saved about $80 a year. Insured with State Farm before.

  10. Judy Fox

    All companies are crooks. I’m in Worcester, MA. Got prices from MetLife, Encompass, Progressive, and AAA for my 626 and I think I saved around $20 each month. Just waiting to see how claims go. I don’t put full coverage on it.

  11. Dionne Schmidt

    In Norfolk, Virginia, GEICO auto insurance rates for my 1994 Mazda 626 were good. Insured with Encompass before. It’s easy to compare rates online now.

  12. Edythe Johnston

    From a town just southwest of Tucson, AZ. Quoted quotes from Sentry, Esurance, Progressive, and AAA for my 1994 Mazda 626 and saved $105 a year. Insured with Hanover before. :)

  13. Karleen Ellis

    I live just outside Portland, OR. Went online for free insurance quotes for a 1994 Mazda 626. Ended up at about $80 savings annually. Went with Allstate. Next renewal I’ll just do liability.