1996 Mazda 626 Car Insurance Quotes

Did you make the mistake of buying overpriced insurance? You’re preaching to the choir because many consumers are in the same pinch. You have so many insurers to buy insurance from, and although it’s a good thing to have a selection, more choices can make it harder to find the best rates for your vehicles.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or need new coverage, you will benefit by learning to find better prices and still get good coverage. Consumers just need to understand the proper way to get comparison quotes online.

The quickest method to compare policy rates is to know most larger insurance companies participate in online systems to give rate comparisons. To begin a comparison, all you need to do is provide a little information such as if the vehicle is leased, marital status, if you are currently licensed, and how much coverage you want. Your rating data is then submitted to many different companies and they return quotes quickly.

Will just any policy work for me?

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • If my 1996 Mazda 626 is totaled, can I afford another vehicle?
  • Where can I find high-risk insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need replacement cost coverage?
  • How do I insure my teen driver?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverages for a Mazda 626

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, X-ray expenses, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $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 attorney fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your 626 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

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 the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, vandalism, theft and rock chips in glass. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Comments About 1996 Mazda 626 Insurance

  1. Sudie Simpson

    I live just to the east of New Orleans, LA and for me 21st Century had the lowest quote. Was with GEICO. Teenage drivers are expensive!

  2. Nita Byers

    Any State Farm or Encompass customers near Bridgeport, CT?

  3. Tosha Stewart

    In Spokane, WA, 21st Century auto insurance rates for my 1996 Mazda 626 were good. They have a lot of discounts available. Did it all online.

  4. Geneva Chen

    I’m from Atlanta, GA. Can’t remember who all I quoted but I ended up saving about $30 each month. Hardly afford to drive anymore. I don’t insure for physical damage though.

  5. Rueben Pate

    I got decent rates for a 1996 Mazda 626 in New York City, New York. Ended up at about $120 every six months with American Family. Get lots of quotes to find the best rate.

  6. Iliana Schultz

    I can’t pay high rates. Live in the northern part of Nampa, ID. Got car insurance quotes with GEICO, AAA, and some I forget for my Mazda and I think I cut my rates about $30 each month. Get lots of quotes to find the best rate. I don’t insure for physical damage though.

  7. Velia Ruiz

    I chose to switch to GEICO from AIG Insurance. I live in Nampa, Idaho. Left Auto-Owners to switch. Are quotes cheaper online? Next renewal I’ll just do liability.

  8. America Ferguson

    I went with GEICO at renewal. Best rates in Norman, OK. I have a couple other vehicles on the policy. They have free quotes online. I don’t have comp or collision coverage.

  9. Renita Shannon

    I’m in Kailua, HI. Quoted prices online for a 1996 Mazda 626. Ended up at about $90 savings annually. Went with GEICO. Was with MetLife. I have a teen driver too. Not sure if rates are cheaper online or not. Anyone else drop full coverage?

  10. Dot Obrien

    What does medical payments cover?

  11. Alpha Pollard

    If you have a clean record and live around Warren, MI, check out Progressive. You might get cheaper rates. I’m a pretty good driver though.

  12. Mitch Quinn

    If you have a good history and are close to Nashua, NH, check out Allstate. They seem to be cheaper. Insured with Mercury before. I have several vehicles insured with them. Still almost need a second mortgage.

  13. Fae Church

    I live south of Bangor, ME. Got car insurance rates from GEICO, The General, and Esurance for my Mazda and I think I am saving around $10 each month. Wish I didn’t have to insure at all. Just liability coverage since it’s getting old.

  14. Debbra Moses

    I got decent rates for a 1996 Mazda 626 in Tulsa, OK. Ended up at roughly $100 every six months with AAA. Left AIG Insurance to switch. I don’t insure for physical damage though.

  15. Raguel Heath

    I’m in the east part of Miami, FL. I quoted with Auto-Owners, Encompass, and Mercury for my 626 and saved just over $90 a year. I get multi-vehicle and multi-policy discounts.

  16. Harlan Morton

    I’m in the suburbs of Salem, OR, and State Farm rates were best. Hopefully won’t need it.

  17. Carma Whitney

    Not sure what I should be paying. Quoted with Allstate for my 1996 Mazda 626 and saved around $100 a year. I got prices on the web. It’s too old for full coverage.

  18. Annis Wood

    Liked the article. From northwest of Columbus, Ohio. I got free quotes with Progressive, GMAC, and Eastwood for my Mazda and cut my rates about $90 a year. Wish I didn’t have to insure at all.

  19. Bernardina Stephenson

    I live on the west side of Montgomery, AL. Got car insurance prices from State Farm, Hanover, and Esurance for my Mazda and saved about $100 a year. :)

  20. Darlena Vaughn

    Corporate greed I’m telling you. I live just outside Fargo, North Dakota. Quoted with Sentry, Erie, GEICO, and American Family for my 626 and I think I am saving around $20 each month. Left GMAC to switch. Bought it from an online quote. I just carry liability insurance.