View 1999 Mazda 626 Car Insurance Quotes

Searching for the cheapest insurance for a new or used Mazda 626 can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to save time.

There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the quickest way to price shop coverage for your Mazda and locate the lowest possible price.

It’s a good idea to compare prices before your policy renews because prices are adjusted regularly by insurance companies. Just because you found the best price on 626 insurance six months ago there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because you’re about to find out the quickest way to reduce your cost while improving coverage.

How to compare auto insurance price quotes

Finding a lower price on 1999 Mazda 626 insurance doesn’t have to be difficult. The only thing you need to do is invest a few minutes comparing rates to find. It is quite easy and can be accomplished using a couple different methods.

1. Probably the best way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do separate forms to each individual auto insurance company. One quote request gets you price quotes from several companies. It’s the fastest way to compare.
2. A more time consuming way to compare prices requires visiting the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want to compare USAA, Geico and Allstate. In order to compare rates, you need to spend time on each company’s site and enter your policy data, which is why first method is reommended. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just try to keep the exact same quote information with each company. If each company quotes higher or lower deductibles it’s impossible to truly determine the lowest rate.

Discounts for cheap auto insurance quotes

Car insurance can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Many of these discounts will be applied automatically when you quote, but some need to be inquired about before they will apply.

• Discount for Passive Restraints – Vehicles equipped with air bags can qualify for discounts as much as 30%.
• Accident-Free Discounts – Claim-free drivers pay much less compared to bad drivers.
• 55 and Retired – Mature drivers may qualify for reduced rates on 626 insurance.
• Own a Home and Save – Owning a house can help you save on auto insurance because maintaining a house requires personal responsibility.
• Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for better premium rates on cars that stay parked.
• Early Signing – Some larger companies reward drivers for buying a new policy prior to your current policy expiration. You could save around 10% when you buy insurance online.
• New Car Discount – Buying coverage on a new vehicle can cost up to 25% less because new vehicles are generally safer.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will qualify for a discount on a insurance quote.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
• Defensive Driving Course – Taking part in a driver safety course could save 5% or more and also improve your driving technique.

Just know that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think adding up those discounts means a free policy, you aren’t that lucky. But any discount will cut your premiums.

Larger auto insurance companies and their possible discounts are outlined below.

• Geico discounts include multi-policy, anti-theft, membership and employees, good student, daytime running lights, anti-lock brakes, and defensive driver.
• Auto-Owners Insurance has discounts for teen driver, anti-theft, group or association, air bags, anti-lock brakes, safe driver, and paid in full.
• American Family offers discounts including early bird, good student, good driver, accident-free, defensive driver, and bundled insurance.
• Esurance includes discounts for good student, safety device, paid-in-full, emergency road assistance, and multi-car.
• Progressive offers discounts for multi-vehicle, homeowner, good student, multi-policy, and online quote discount.
• State Farm may offer discounts for driver’s education, Drive Safe & Save, defensive driving training, multiple policy, and student away at school.
• AAA offers premium reductions for anti-theft, pay-in-full, good student, education and occupation, and good driver.

If you need the cheapest insurance quotes, ask all companies you are considering to give you their best rates. A few discounts might not be available to policyholders in your state. To see a list of companies that offer multiple discounts, click this link.

You may need specialized insurance coverage coverage

When buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

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

• Should I waive the damage coverage when renting a car?
• When would I need rental car insurance?
• How can I force my company to pay a claim?
• Am I covered by my spouse’s policy after a separation?
• Am I getting all the discounts available?
• How high should deductibles be on a 1999 Mazda 626?
• Do I have coverage if my license is suspended?
• Does insurance cover damages from a DUI accident?
• When should I buy a commercial auto policy?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance price influencing factors

It’s important that you understand the rating factors that aid in calculating the rates you pay for auto insurance. When you understand what determines premiums, this enables you to make decisions that could result in cheaper rates.

• Annual miles is a factor – Driving more miles annually the more you will pay for auto insurance. Most companies apply a rate partially by how you use the vehicle. Cars left parked in the garage get more affordable rates than vehicles that have high annual mileage. An improperly rated 626 can result in significantly higher rates. Ask your agent if your auto insurance policy reflects the correct usage for each vehicle, because it can save money.
• Better auto insurance rates for being claim-free – Auto insurance companies generally give most affordable rates to drivers who do not file claims often. If you file a lot of claims you can expect either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of larger claims.
• Does car insurance cost more for guys? – Over time, data shows that females take fewer risks when driving. It does not mean women are better drivers. Females and males cause at-fault accidents in similar numbers, but men cause more damage. They also have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
• Only buy incidental coverages you need – Insurance policies have a lot of optional add-on coverages that you can buy on your 626 policy. Coverage for things like vanishing deductibles, towing, and term life insurance may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but your needs may have changed so eliminate them to save money.
• Liability coverage limits are a factor – The liability coverage on your policy will afford coverage when you are found liable for physical damage or personal injury to other. This coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
• A lauto insurance lapse is a bad thing – Driving your car without having proper coverage is not a good idea and your next policy will cost more because you let your insurance lapse. In addition to paying higher premiums, not being able to provide proof of insurance will get you a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Accidents can be expensive – Having just one speeding ticket or other violation can increase rates substantially. Good drivers receive lower rates compared to bad drivers. Drivers who have received careless violations such as reckless driving, hit and run or driving under the influence may find they need to complete a SR-22 with their state in order to legally drive a vehicle.

Car insurance coverages for a Mazda 626

Having a good grasp of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage – This protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as court costs, loss of income, pain and suffering, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, vandalism, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This covers damage to your 626 from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda 626.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, rehabilitation expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Online plus local equals savings

Throughout this article, we presented a lot of ways to shop for 1999 Mazda 626 insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with a smaller regional carrier.

Consumers change insurance companies for a variety of reasons including policy cancellation, poor customer service, high prices or even delays in paying claims. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.

Cheaper insurance coverage can be bought on the web and also from your neighborhood agents, so get free insurance quotes from both of them so you have a total pricing picture. Some insurance companies don’t offer the ability to get quotes online and usually these smaller providers sell through independent agents.

More tips and info about insurance coverage can be found by following these links:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Driving in Bad Weather (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Insuring a Leased Car (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Bodily Injury Coverage (Liberty Mutual)