Save on 1997 Mazda 626 Insurance Rates

Trying to find better auto insurance rates for your Mazda 626? Searching for cheaper auto insurance can seem to be challenging for people that are relatively new to buying insurance online. Since there are so many online companies, how can drivers be able to compare every company to locate the best price?

It is always a good idea to compare prices as often as possible because auto insurance prices are rarely the same from one policy term to another. Even if you think you had the best quotes on 626 insurance six months ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the things you must know in order to reduce your cost while increasing coverage.

How to get cheap auto insurance

When comparison shopping, there are several ways of comparing rate quotes from different companies. The simplest method to compare rates consists of shopping online. It’s really quite simple and can be done using a couple different methods.

The simplest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate quotes for every prospective company. Just one form will get you rate comparisons from auto insurance companies with the best prices. Just one form and you’re done.

A more difficult way to find lower rates requires a trip to each company website and go through the quote process again. For instance, let’s assume you want to get rates from Liberty Mutual, Geico and Allstate. To get each rate you have to take the time to go to each site and repeatedly enter your information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

The most difficult way to find and compare rates is to waste gas driving to each insurance agency near you. Quoting online reduces the need to sit down with an agent unless you want the personal advice only provided by licensed agents. Drivers can comparison shop your insurance online and still use a local agent.

Which method you use is up to you, but be sure you’re using the exact same coverage limits on every price quote you get. If your comparisons have different deductibles you will not be able to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. And when price shopping your coverage, comparing all the rates in your area provides better odds of finding the best offered rates.

Find lower-cost insurance with these tips

When buying insurance it’s important to understand the rating factors that help calculate your premiums. If you have a feel for what influences your rates, this allows you to make good choices that will entitle you to better insurance rates.

  • Women tend to take less risk – Statistics have proven that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better at driving than males. Men and women are responsible for at-fault accidents at a similar rate, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI).
  • Can a thief steal your car? – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Lower rates for safer cars – Vehicles with good safety scores are cheaper to insure. The safest vehicles result in less severe injuries and reduced instances of injuries translates into fewer and smaller insurance claims and lower rates for you. If your Mazda scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Higher insurance rates for demanding employers – Did you know your career choice can influence rates? Occupations such as military personnel, social workers and dentists tend to pay higher rates than the rest of us because of high stress levels and extremely grueling work hours. Conversely, professions such as scientists, students and homemakers pay the least on 626 insurance.

Earn discounts to get lower-cost insurance coverage rates

Some providers don’t always list all available discounts in an easy-to-find place, so we researched a few of the more well known as well as the least known discounts you could be receiving when you buy insurance online.

  • Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Resident Student – College-age children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase life insurance from them.
  • Memberships – Affiliation with qualifying clubs or civic groups could qualify you for a break on your bill.
  • Responsible Driver Discounts – Insureds without accidents can save as much as half off their rates on 626 insurance compared to rates paid by drivers with frequent claims.
  • Telematics Data – Drivers who agree to allow their insurance coverage company to study driving manner by installing a telematics device like Allstate’s Drivewise may see discounts if they have good driving habits.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower rates.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up can save a little on the medical payments or PIP coverage costs.
  • Multi-Vehicle Discounts – Drivers who insure more than one vehicle on one policy can get a discount on all vehicles.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So when it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of companies and a summarized list of policyholder discounts can be found below.

  • State Farm may have discounts that include good student, driver’s education, multiple autos, passive restraint, and good driver.
  • Geico has savings for emergency military deployment, federal employee, multi-policy, seat belt use, and military active duty.
  • Allstate may offer discounts for EZ pay plan discount, passive restraint, FullPay discount, economy car, anti-lock brakes, defensive driver, and utility vehicle.
  • SAFECO offers discounts for teen safe driver, bundle discounts, accident prevention training, anti-lock brakes, homeowner, and teen safety rewards.
  • Farm Bureau has discounts for safe driver, good student, multi-policy, renewal discount, and driver training.
  • Progressive offers premium reductions for continuous coverage, homeowner, multi-policy, online signing, good student, online quote discount, and multi-vehicle.
  • AAA includes discounts for good driver, anti-theft, multi-car, pay-in-full, good student, and multi-policy.

If you need the cheapest insurance quotes, ask every prospective company how many discounts you can get. Savings may not apply in your area. To view companies that offer some of these discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether you would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Which companies will insure high-risk drivers?
  • Should I sign the liability waiver when renting a car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have coverage when making deliveries for my home business?
  • Does coverage extend to a rental car in a foreign country?
  • Does insurance cover damages from a DUI accident?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

The coverage is in the details

Knowing the specifics of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, pain and suffering, structural damage, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from getting keyed and vandalism. The most a auto 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.

Collision coverage

Collision coverage covers damage to your 626 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, dental work, X-ray expenses, prosthetic devices and chiropractic care. They are used to fill the gap from 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 and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Shop Smart and Save

Insureds leave their current company for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, policy cancellation and even delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

In this article, we presented some good ideas how to shop for 1997 Mazda 626 insurance online. The most important thing to understand is the more you quote insurance, the better your comparison will be. You may be surprised to find that the biggest savings come from a small local company.

When shopping online for auto insurance, make sure you don’t buy less coverage just to save a little money. There are too many instances where an accident victim reduced physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

Additional resources

Comments About 1997 Mazda 626 Insurance

  1. Erlinda Donovan

    Proud to be from New Haven, CT. I quoted with Progressive, Erie, and The General for my 1997 Mazda 626 and saved just over $80 a year. Did it all online. I only have liability coverage on it.

  2. Lona Soto

    Nice post. Live in Warwick, RI. I compared lots of rates. Saved right around $30 a month. State Farm was the cheapest option for me. Next renewal I’ll just do liability.

  3. Kacy Oconnor

    Do I have to have car insurance in Oklahoma?

  4. Shaun Thompson

    If you don’t have tickets and live around Allentown, Pennsylvania, check out GEICO. You might get cheaper rates. Ask about discounts. :P When should I drop full coverage?

  5. Vertie Austin

    Will Allstate raise rates for a small claim?

  6. Ben Cobb

    I got a good deal I think. I’m just south of Kansas City, Kansas. Quoted a bunch of companies. Saved darn near $30 a month. State Farm was the best choice for me. I quoted rates online then called them.

  7. Marianela Stevens

    Where is cheaper car insurance? Located in Billings, MT. I don’t recall every quote but I ended up saving about $30 each month. Not sure about claim service.

  8. Simona Long

    Lots of useful info here. Found cheapest coverage with AIG Insurance for my 626 and cut my rates about $60 a year. Left MetLife to switch. A clean driving record helps. I think I’ll get rid of full coverage next time.

  9. Jamila Valdez

    Enjoyed the article. Live in Jackson, Mississippi. I got free quotes from Auto-Owners, Sentry, and USAA for my Mazda and cut my rates about $70 a year. Insured with Travelers before. They have a lot of discounts available. It’s too old for full coverage.

  10. Arnulfo Morgan

    In Nampa, ID, State Farm auto insurance rates for my 1997 Mazda 626 were good. Was with Erie. My 626 doesn’t have full coverage.

  11. Lavera Mckenzie

    I drive uninsured.

  12. Senaida Sosa

    Live in the eastern part of Fargo, ND. Quoted quotes from GEICO, Auto-Owners, and Eastwood for my 626 and saved just over $80 a year. When should I drop full coverage?