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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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.
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
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.
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.
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.
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.
Kacy Oconnor
Do I have to have car insurance in Oklahoma?
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?
Vertie Austin
Will Allstate raise rates for a small claim?
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.
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.
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.
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.
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.
Lavera Mckenzie
I drive uninsured.
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?