How Much Does 1994 Mazda Navajo Car Insurance Cost?

Searching for lower auto insurance rates for your Mazda Navajo? When searching for cheaper insurance, are you intimidated by the wide range of auto insurance sources in your area? Lot’s of other people are too. You have so many sources to choose from that it can really be a challenge to find the perfect company for you.

How to compare insurance coverage price quotes

There are several ways to compare insurance coverage prices but one way is less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in your area, or you could use online quoting to achieve your goal.

Most of the larger companies enroll in a system where prospective buyers enter their policy data once, and every company returns a competitive quote. This saves time by eliminating quote requests for each company you want a rate for.

To compare rates now click here (opens in new window).

The only drawback to comparing rates this way is that you can’t choose which insurance companies you will receive quotes from. So if you want to select specific insurance companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just compare exactly the same quote information for every quote you compare. If each company quotes mixed coverages it will be impossible to determine which company has the best rates. Having just a slight variation in limits can mean a large discrepancy in price. And when comparison shopping, comparing more rates from different companies gives you a better chance of getting better pricing.

Don’t overlook these insurance coverage discounts

Car insurance is not cheap, but there may be some discounts that you may not even know about. Some discounts apply automatically at the time of purchase, but less common discounts must be asked for before you get the savings.

• Memberships – Joining a qualifying organization can get you a small discount on your next renewal.
• Accident Free – Good drivers with no accidents can save substantially when compared to drivers with a long claim history.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
• College Student – Older children living away from home attending college and do not take a car to college can be insured at a reduced rate.
• Senior Discount – If you qualify as a senior citizen, you are able to get lower premium rates for Navajo insurance.
• Life Insurance Discount – Larger companies have a small discount if you purchase some life insurance in addition to your auto policy.
• Early Renewal Discounts – Select insurance coverage companies give a discount for buying a new policy early. It can save you around 10%.

A quick disclaimer, many deductions do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. So even though you would think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Larger insurance coverage companies and a summarized list of policyholder discounts are detailed below.

• Geico policyholders can earn discounts including multi-policy, anti-lock brakes, daytime running lights, anti-theft, five-year accident-free, and defensive driver.
• SAFECO includes discounts for safe driver, drive less, anti-lock brakes, teen safety rewards, anti-theft, and teen safe driver.
• State Farm discounts include multiple autos, Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, driver’s education, and passive restraint.
• MetLife offers premium reductions for multi-policy, accident-free, good student, defensive driver, good driver, and claim-free.
• 21st Century may include discounts for automatic seat belts, 55 and older, teen driver, homeowners, air bags, early bird, and defensive driver.
• Progressive may offer discounts for multi-policy, online quote discount, good student, continuous coverage, and online signing.

Check with each insurance company which discounts you qualify for. Savings might not apply in every state.

When to get professional advice

When buying the best auto insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help you determine if you would benefit from professional advice.

• Does liability extend to a camper or trailer?
• Am I covered when driving in Canada or Mexico?
• Am I getting all the discounts available?
• Do I need medical payments coverage since I have good health insurance?
• Is my business laptop covered if it gets stolen from my vehicle?
• I have good health insurance, so how much medical payments coverage do I need?
• What is the difference between comprehensive and collision coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How much can I save by bundling my policies?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance policy coverages for a Mazda Navajo

Knowing the specifics of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as structural damage, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, damage from flooding, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses such as EMT expenses, rehabilitation expenses, nursing services, surgery and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1994 Mazda Navajo.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.