1991 Mazda B-Series Pickup Insurance Rates

Want lower car insurance rates for your Mazda B-Series Pickup? Have you fallen victim to overpriced car insurance? Trust us when we tell you many consumers feel financially strained by their car insurance policy.

Companies like Progressive, Geico and Farmers Insurance all promote huge savings with ads and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

You should take the time to shop coverage around on a regular basis due to the fact that insurance rates are constantly changing. If you had the lowest price on B-Series pickup insurance six months ago a different company probably has better rates today. Ignore everything you know about car insurance because you’re about to learn the fastest way to buy cheaper car insurance.

Discounts on 1991 Mazda B-Series Pickup insurance

Companies don’t always advertise all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Club Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on auto insurance on B-Series pickup insurance.
  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Safety Course Discount – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in school.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.

As a disclaimer on discounts, most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of insurance companies offering auto insurance discounts, follow this link.

Vehicle Insurance Comparison

There are several ways to compare rate quotes from insurance companies in your area. The easiest way to compare 1991 Mazda B-Series Pickup insurance prices is simply to get online rate quotes. This can be accomplished using a couple different methods.

  1. Probably the best way to find low rates is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating a different quote to each individual insurance company. One form will get you price quotes direct from many companies.
  2. A slightly less efficient method to obtain and compare quotes online requires a trip to the website of each company and request a quote. For example, let’s say you want rates from Auto-Owners, Geico and American Family. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages for each comparison quote. If the quotes have higher or lower deductibles you can’t possibly determine which rate is truly the best. Slightly different limits can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes will enable you to find a better price.

What determines your Mazda B-Series Pickup insurance premium

It’s important that you understand the factors that come into play when calculating insurance coverage rates. Having a good understanding of what determines base rates enables informed choices that can help you get big savings.

  • A lapse in coverage is a bad thing – Allowing your coverage to lapse will be a fast way to bump up your insurance coverage costs. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • High numbers of claims are not good – Car insurance companies provide discounts to policyholders who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.
  • Older drivers pay less – Older drivers tend to be more responsible, file fewer claims and receive fewer citations. Young drivers have a tendency to be more careless behind the wheel and because of this, their insurance coverage rates are much higher.
  • Lower miles equals lower premium – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates than those used for commuting. Make sure your insurance coverage coverage shows the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your B-Series Pickup can result in significantly higher rates.
  • Your car’s features help determine rates – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as lawyers, executives and dentists tend to have the highest average rates due to stressful work requirements and lots of time spent at work. Other professions such as farmers, historians and homemakers receive lower rates on B-Series pickup insurance.
  • Do you have enough liability coverage? – The liability section of your policy provides coverage in the event that you are found liable for damages caused by your negligence. Liability provides legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.

Tailor your coverage to you

When choosing coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • Where can I find high-risk insurance?
  • How much liability coverage do I need in my state?
  • Does coverage extend to a rental car in a foreign country?
  • If I drive on a suspended license am I covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Exactly who is provided coverage by my policy?
  • Is a blown tire covered by insurance?
  • Should I have combined single limit or split liability limits?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Can switching companies really save?

Insurance coverage companies such as State Farm, Allstate and Geico constantly bombard you with ads on television and other media. They all seem to make an identical promise that you can save if you switch your coverage to them. How does each company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the type of customer they prefer to insure. An example of a driver they prefer could possibly be between 25 and 40, owns a home, and has a short commute. A propective insured who meets those qualifications receives the best rates and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for the requirements will be charged higher rates and this can result in business not being written. The ad wording is “people who switch” not “people who quote” save that much. That’s the way insurance companies can confidently make the claims of big savings. That is why drivers should get quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

Specific coverages for a 1991 Mazda B-Series Pickup

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection 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 your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage protection

Collision insurance covers damage to your B-Series Pickup resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, crashing into a ditch, backing into a parked car, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like chiropractic care, X-ray expenses, prosthetic devices and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive coverage

This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, damage from getting keyed and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

This protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, legal defense fees, court costs and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Be a money saver!

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In too many instances, drivers have reduced collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest price.

In this article, we covered many ideas to compare 1991 Mazda B-Series Pickup insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

Much more information about car insurance is available at the links below