Lower Your 1993 Mazda MPV Car Insurance Quotes

Sick and tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than many other drivers.

Consumers have many auto insurance companies to buy insurance from, and although it’s nice to have a selection, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

Comprehensive Car Insurance Comparison Quotes

There are multiple methods to compare 1993 Mazda MPV car insurance prices but there is one way that is easier and takes less work. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize online quotes to maximize your effort.

Most car insurance companies participate in a marketplace that enables customers to complete one form, and each company provides a quote based on the submitted data. This system prevents you from having to do quotation requests to every company. To fill out one form to compare multiple rates now click here to open in new window.

The one downside to using this type of system is you are unable to specify which companies to get pricing from. So if you prefer to choose specific insurance companies to compare, we have a listing of car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverages and limits with every price quote. If your comparisons have mixed coverages it’s not possible to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. And when quoting car insurance, remember that comparing a large number of companies will enable you to find a better price.

Do drivers who switch really save $418 a year?

Auto insurance companies such as Allstate, Geico and Progressive regularly use ads on television and other media. They all seem to have a common claim of big savings if you move your policy. How do they all say the same thing?

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a driver they prefer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” is entitled to the best price and most likely will save when switching.

Potential customers who do not match this ideal profile will be quoted a higher premium and this can result in business not being written. The ads say “customers who switch” not “people who quote” save money. This is how companies can advertise the way they do.

This emphasizes why you need to compare as many rates as you can. It’s just too difficult to predict which company will have the lowest Mazda MPV insurance rates.

Mazda MPV rate determination is complex

Consumers need to have an understanding of the factors that go into determining insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are a few of the “ingredients” companies use to determine prices.

  • Extra coverages can waste money – There are a lot of additional coverages that you can get tricked into buying if you aren’t careful. Coverages for personal injury protection, accidental death and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
  • Your age impacts your rates – Young drivers are known to get distracted easily when driving so insurance rates are higher. Adding a teenage driver onto a policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and get fewer tickets.
  • Men pay higher rates – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women are in accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets such as DWI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive insurance rates.
  • Safer cars are cheaper to insure – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mazda MPV earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Frequent insurance claims increase rates – If you file claims often, you can look forward to either policy cancellation or increased premiums. Car insurance companies award better rates to people who do not file claims often. Your insurance policy is intended for larger claims.
  • Your location affects your rates – Residing in a rural area can be a good thing when insuring your vehicles. City drivers have much more traffic and longer commute times. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Do you work long hours in a high stress job? – Jobs such as doctors, architects and dentists tend to pay the highest average rates due to job stress and long work hours. Other occupations like actors, historians and retirees have the lowest average rates for MPV insurance.

How much can you save with discounts?

The price of auto insurance can be rather high, but companies offer discounts that you may not even be aware of. Most are applied when you quote, but some may not be applied and must be inquired about before you will receive the discount.

  • Drive Less and Save – Keeping the miles down on your Mazda can qualify you for better rates on cars that stay parked.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for MPV insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house shows financial diligence.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for MPV insurance with certain companies.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for MPV insurance than less cautious drivers.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Student Driver Training – Have your child enroll in driver’s education if offered at their school.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, you’re out of luck. Any amount of discount will help reduce your premiums.

To see a list of providers with the best auto insurance discounts, click here.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions could help you determine whether or not you would benefit from professional advice.

  • What is an SR-22 filing?
  • Are split liability limits better than a combined single limit?
  • Does my 1993 Mazda MPV qualify for pleasure use?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I drive in a foreign country?
  • What are the best liability limits?
  • How much can I save by bundling my policies?
  • Am I covered when driving on a suspended license?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Car insurance policy specifics

Understanding the coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mazda MPV.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability coverages – This will cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, legal defense fees, attorney fees, repair costs for stationary objects and funeral expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Collision coverages – This covers damage to your MPV resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, driving through your garage door, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as ambulance fees, pain medications, hospital visits, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, fire damage, hitting a bird and damage from flooding. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Affordable insurance is out there

The cheapest 1993 Mazda MPV insurance can be found both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In too many instances, an accident victim reduced physical damage coverage only to find out that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Much more information about auto insurance can be read below: