Cheap 1998 Mazda 626 Insurance Cost

Sick and tired of scraping the payment together to pay your insurance coverage bill each month? You have the same problem as many other consumers. Vehicle owners have many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it can be more challenging to find the lowest cost provider.

This article will instruct you on the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Consumers just need to know how to shop their coverage around over the internet.

Compare auto insurance price quotes

Reducing your 1998 Mazda 626 insurance rates can be surprisingly simple. Drivers just need to spend a few minutes on the computer to compare rate quotes to see which company has cheap insurance coverage quotes. Shoppers can get rates using a couple different methods.

  • The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do separate quotation requests for every company. Just one form gets rate comparisons from auto insurance companies with the best prices.
  • A more difficult way to analyze rates is spending the time to visit each company website and request a quote. For instance, we’ll assume you want to compare prices for Auto-Owners, Safeco and State Farm. You would have to spend time going to each site individually to enter the same coverage data repeatedly, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.
  • The old school method to get price estimates is to spend your day driving to insurance agencies in your area. Quoting online reduces the need to sit down with an agent unless you have a need for the professional guidance of a local agent. Although, it is possible obtain prices from the web and still use a local agent.

However you get your quotes, do your best to use apples-to-apples coverage limits with every price quote. If you enter different liability limits it will be nearly impossible to make a fair comparison for your Mazda 626.

Quote Mazda 626 insurance for less

Many different elements are taken into consideration when premium rates are determined. Some of the criteria are obvious like your driving record, but others are less obvious like your vehicle usage or your financial responsibility.The best way to find cheaper car insurance is to take a look at some of the factors that are used to determine your car insurance rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower premium levels.

The itemized list below are some of the things used by insurance companies to determine your premiums.

  • Car insurance rates and your job – Do you work in a high-stress field? Careers such as doctorspolice officers and miners generally have the highest rates due to high stress and lots of time spent away from family. On the flip side, careers such as professors, historians and the unemployed pay the least for 626 coverage.
  • Experienced drivers pay less – Beginning drivers are known to be more careless behind the wheel therefore car insurance rates are much higher. More mature drivers are more responsible, tend to cause fewer accidents , and are generally more financially stable.
  • Bundle home and auto and save – Many car insurance companies afford a discount to insureds that buy multiple policies. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare other insurance prices to ensure the best deal.
  • Driving citations hurt – Your driving citation history impacts your car insurance rates tremendously. Careful drivers pay less for auto insurance as compared to those with violations. Having a single moving violation may cause rates to rise by as much as thirty percent. Drivers who get serious citations such as reckless driving, hit and run or driving under the influence may be required to prove financial responsibility with their state’s licensing department in order to prevent a license revocation.
  • Buy a safe car and pay less – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles reduce occupant injuries and better occupant protection translates directly to fewer claims and more competitive rates for policyholders. If your Mazda 626 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Car Insurance Discounts

Companies offering auto insurance don’t always advertise the complete list of policy discounts very clearly, so we researched some of the best known as well as some of the hidden car insurance savings.

  • Student in College – Youth drivers who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
  • Multi-car Discount – Purchasing coverage when you have multiple cars on the same car insurance policy can get a discount for every vehicle.
  • Senior Citizen Discount – Mature drivers may be able to get a slight reduction on a insurance coverage quote for 626 coverage.
  • Low Mileage Discounts – Fewer annual miles on your Mazda can qualify you for discounted premium rates on garaged vehicles.
  • Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Defensive Driving Course – Participating in a class that teaches safe driver techniques could earn you a small percentage discount if your company offers it.
  • Waiver for an Accident – but companies like Allstate, State Farm and Geico will turn a blind eye to one accident before raising your premiums if your claims history is clear prior to the accident.

Keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, you aren’t that lucky.

A few companies that possibly offer these benefits are:

Before buying, ask every company the best way to save money. Some credits might not be available to policyholders in every state. If you would like to see a list of providers with the best car insurance discounts, click this link.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if you could use an agent’s help.

  • What is the rate difference between pleasure use and commuting?
  • How high should my medical payments coverage be?
  • How much liability insurance is required?
  • Should I get collision insurance on every vehicle?
  • Should I sign the liability waiver when renting a car?
  • How do I file an SR-22 for a DUI in my state?
  • Why am I required to buy high-risk coverage?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance policy specifics

Having a good grasp of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, hitting a deer, vandalism, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for EMT expenses, pain medications and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, pain and suffering, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1998 Mazda 626.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Collision coverage protection

This coverage will pay to fix damage to your 626 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

More choices the merrier

You just learned a lot of tips how to save on 1998 Mazda 626 insurance. The key concept to understand is the more you quote insurance coverage, the higher your chance of finding affordable insurance coverage. You may even find the lowest priced car insurance comes from an unexpected company. They may only write in your state and offer lower premium rates than their larger competitors like Progressive and Geico.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your focus should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

More tips and info about car insurance is located at these sites:

Comments About 1998 Mazda 626 Insurance

  1. Lavonna Abbott

    I went with 21st Century at renewal. Best rates in Boston, Massachusetts. Left AAA to switch. It’s too old for full coverage.

  2. Quiana Weaver

    In Minneapolis, MN, AAA had the best rates for my 1998 Mazda 626. I’m a pretty low risk driver. Did it all online. Full coverage costs too much.

  3. Lori Richardson

    If you don’t have tickets and are close to Lexington, KY, check out Progressive. They seem to be cheaper. Was with Eastwood. I think they have home insurance too. I don’t insure for physical damage though.

  4. Isabelle Underwood

    Proud to be from Louisville, KY. Quoted prices from American Family, Esurance, and Nationwide for my Mazda and saved $90 a year. Left Mercury to switch. I think they have home insurance too. They were helpful in switching over.

  5. Janeen Crosby

    I got a good deal I think. I live south of Eugene, OR. I got free quotes from AIG Insurance, Eastwood, and Safeco for my 1998 Mazda 626 and I think I cut my rates about $30 each month. Insured with Progressive before. I only have liability coverage on it.

  6. Sarita Hansen

    Hope my rates come down. Checking in from Virginia Beach, VA. I quoted with Allstate, AAA, and some I forget for my Mazda and saved $81 a year. I have several vehicles insured with them.

  7. Alden Burch

    Located in Aurora, Illinois. Got car insurance quotes with Progressive, Liberty Mutual, and Eastwood for my Mazda and saved around $120 a year. Left Erie to switch. Wish I didn’t have to insure at all. When should I drop full coverage?

  8. Margart Kent

    Will 21st Century raise rates for a windshield claim?

  9. Renata Mccray

    I live in a small town just outside of Newark, DE. Got free quotes online for a 1998 Mazda 626. Ended up at about $80 savings annually. Went with GEICO. Left Nationwide to switch. Good multi-policy discounts. :P

  10. Hobert Holland

    21st Century quoted the best rates in Arizona.

  11. Ivan Shepherd

    FYI in Charlotte, North Carolina try 21st Century. I got a good deal.

  12. Denny Justice

    Lots of useful info here. I live just outside Portland, ME. Quoted a bunch of companies. Saved darn near $20 a month. Allstate was the cheapest for me.

  13. Evie Cunningham

    Lifelong resident of Rochester, MN. I got free rates from AIG Insurance, Esurance, and Nationwide for my 1998 Mazda 626 and saved $95 a year. Was with Amica. Have a couple speeding tickets too.

  14. Nilda Craft

    I found affordable 1998 Mazda 626 insurance from State Farm in Owensboro, KY.

  15. Bea Meyer

    Does GEICO offer good discounts?

  16. Bernardine Calhoun

    Any claims experience with Progressive in Rockford, IL?