Cheaper 2001 Mazda B-Series Insurance Cost

Expensive Mazda B-Series insurance can drain your checking account and force you to prioritize other expenses. Comparison shopping is a great way to tighten up your finances.

Popular companies such as State Farm, Geico and Farmers Insurance continually bombard you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s a good idea to shop coverage around as often as possible since insurance prices change regularly. Just because you found the lowest price for B-Series coverage a year ago there is a good chance you can find better rate quotes now. There is a lot of bad information regarding car insurance on the internet, but in just a couple of minutes you can learn a bunch of ideas how to find cheap car insurance.

How to find affordable insurance

Effectively comparing insurance prices is a ton of work if you don’t understand the most efficient way. You can spend countless hours talking to insurance agencies in your area, or you could use online quoting for quick rates.

Most of the best insurance companies take part in a program that allows shoppers to complete one form, and each company can provide price quotes determined by their information. This eliminates the need for quote requests for each company.

To find out what other companies charge click to open in new window.

The one disadvantage to doing it this way is you are unable to specify the companies you want to price. So if you prefer to choose specific insurance companies for rate comparison, we have a listing of the cheapest insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but do your best to use the exact same coverage information for every company. If you enter different coverage information it’s not possible to make an equal comparison. Just slight variations in coverage limits could mean much higher rates. And when comparison shopping, comparing more quotes increases your odds of finding the best rates.

Insurance policy discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be inquired about before they will apply.

  • One Accident Forgiven – Not really a discount, but some companies like State Farm and Geico allow you one accident without getting socked with a rate hike if you have no claims for a specific time period.
  • Payment Discounts – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
  • Senior Citizen Discount – If you’re over the age of 55, you may qualify for a slight reduction on a car insurance quote for B-Series coverage.
  • Multi-Vehicle Discounts – Buying a policy with multiple vehicles on one policy qualifies for this discount.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Discount for New Cars – Buying a new car model can get you a discount due to better safety requirements for new model year vehicles.
  • Good Grades Discount – Being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Safety Restraint Discount – Buckling up and requiring all passengers to fasten their seat belts can save up to 15% off the personal injury premium cost.
  • Own a Home and Save – Just owning your own home can save you money because it requires a higher level of personal finance.
  • Accident Free – Drivers with accident-free driving histories pay much less as compared to policyholders that have many claims.

Remember that most credits do not apply to the entire cost. Most cut individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy.

To see a list of insurance companies who offer insurance discounts, click here to view.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions can help discover if your insurance needs will benefit from professional help.

  • Am I covered when driving a rental car?
  • Am I covered when driving in Canada or Mexico?
  • Do I need higher collision deductibles?
  • How many claims can I have before being cancelled?
  • If my pet gets injured in an accident are they covered?
  • Can I make deliveries for my home business?
  • Is my state a no-fault state?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Quote Mazda B-Series insurance more affordably

When buying auto insurance it’s important to understand the factors that go into determining your auto insurance rates. If you have some idea of what impacts premium levels, this enables informed choices that will entitle you to lower auto insurance prices.

  • Safer vehicles save money – Vehicles with high crash test scores tend to have lower insurance rates. Safe vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid and lower rates for you.
  • Liability coverage preserves assets – A critical coverage on your policy, liability insurance provides coverage if ever you are found to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense to defend your case. Liability is cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Does car insurance cost less for gals? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Females and males have fender benders at about the same rate, but the male of the species cause more damage. Not only are claims higher, but men get higher numbers of serious violations such as reckless driving.
  • Do you know your comp and collision deductibles? – Physical damage insurance, also called ‘full coverage’, protects your Mazda from damage. Some coverage claims are collision with another vehicle, damage from fire, and burglary. The deductibles are how much the insured will be required to pay in the event of a claim. The more you have to pay, the less your company will charge you for insurance for B-Series coverage.
  • Cheaper rates after marriage – Having a wife or husband helps lower the price on your auto insurance bill. Having a spouse means you’re more responsible and insurance companies like that married drivers get in fewer accidents.

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses such as X-ray expenses, dental work, prosthetic devices and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This will cover damage that occurs to people or other property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as loss of income, attorney fees, funeral expenses and medical expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, colliding with a tree, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Mazda B-Series.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and theft. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be a Smart Shopper

In this article, we covered a lot of information how to reduce 2001 Mazda B-Series insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest prices are with the least-expected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Additional detailed information is available in the articles below:

Comments About 2001 Mazda B-Series Insurance

  1. Bernice Valentine

    From northwest of Cedar Rapids, IA. I got free rates from Allstate, AAA, Erie, and GMAC for my Mazda and saved $66 a year. Not sure if rates are cheaper online or through an agent.

  2. Dreama Flynn

    I got quite a few price quotes for a 2001 Mazda B-Series in Rutland, Vermont. Ended up at roughly $90 every six months with AIG Insurance. I’m a pretty low risk driver.

  3. Josef Bolton

    Lots of good stuff here. I live just to the east of Jackson, MS. Went online for free insurance quotes for a 2001 Mazda B-Series. Ended up at about $120 savings annually. Went with State Farm. Liability only on my Mazda.

  4. Britteny Cameron

    Does Progressive prorate premiums at cancellation?

  5. Arlean Berg

    From northwest of Springfield, MA. Don’t remember every company but I ended up saving about $20 each month. Insured with GMAC before. Not worth enough to pay for comprehensive and collision.

  6. Felisa Woods

    I live just outside Newark, NJ. Received quotes with Western Auto Insurance, AIG Insurance, Hartford, and MetLife for my Mazda and saved $65 a year. Ask about discounts. I don’t insure for physical damage though.

  7. Chassidy Hall

    Will Progressive be cheaper if I raise deductibles?

  8. Arielle Douglas

    I live just outside Paterson, NJ. Can’t remember who all I quoted but I ended up saving about $20 each month. I got a quote from their website. Full coverage costs too much.

  9. Dorthea Lee

    I think I’m paying too much. Went with Progressive for my Mazda and cut my rates about $80 a year. Left Mercury to switch. Might find lower rates online. Next renewal I’ll just do liability.

  10. Lamar Albert

    I think I’m paying too much. I’m in the suburbs of Mobile, AL. I quoted with Allstate, The General, and Esurance for my Mazda and I think I cut my rates about $30 each month. My new agent seems to be really good. When should I drop full coverage?

  11. Erasmo Bright

    Progressive and Allstate were both pretty cheap in Honolulu, HI.

  12. Williemae Alvarez

    I compared a lot of rate quotes for a 2001 Mazda B-Series in New York City, NY. Ended up at about $70 every six months with Amica. Liability only on my Mazda.