View 1993 Mazda MX-3 Car Insurance Quotes

Want the cheapest insurance coverage rates for your Mazda MX-3? Have you had enough of scraping the payment together to insure your Mazda every month? You are no different than millions of other consumers. Drivers have so many insurers to pick from, and even though it’s nice to have a selection, having more insurance companies makes it harder to compare rates.

It’s a great practice to shop coverage around before your policy renews because insurance rates tend to go up over time. Just because you found the lowest rates on MX-3 coverage a year ago you will most likely find a better rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to find great coverage at a great price.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you quote, but some may not be applied and must be manually applied prior to getting the savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Paperless Signup – A few companies may give you up to $50 just for signing your application over the internet.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • No Claims – Drivers who don’t have accidents pay much less when compared with drivers who are more careless.

Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will cut your overall premium however.

For a list of insurers offering insurance coverage discounts, click here.

Some factors that can determine what Mazda MX-3 insurance costs

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get better car insurance rates.

  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both cause accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like DUI and reckless driving.
  • Lower deductibles cost more – Deductibles for physical damage define the amount you are required to spend before your car insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. The higher the amount the insured has to pay upfront, the lower your rates will be on MX-3 coverage.
  • Your car insurance rates can be influenced by your job – Did you know your job can affect your rates? Jobs such as lawyers, business owners and accountants tend to pay higher rates than average due to stressful work requirements and lengthy work days. On the flip side, professions such as pilots, athletes and performers have the lowest average rates on MX-3 coverage.
  • Drive less and save money – The more miles you rack up on your Mazda every year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage qualify for better rates than those used for commuting. Verify your car insurance policy is rated on how each vehicle is driven. Incorrect usage on your MX-3 may be wasting your money.
  • Extra add-on coverages are wasting money – There are a ton of additional coverages that you can buy on your car insurance policy. Insurance for rental car reimbursement, towing coverage and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don’t need them eliminate the coverages to reduce your premium.

Don’t assume everyone needs the same coverage

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my teen drive my company car?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverage breakdown

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average auto insurance policy.

Auto collision coverage

Collision insurance will pay to fix damage to your MX-3 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive auto insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

This will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, repair costs for stationary objects, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses for things like funeral costs, nursing services and dental work. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mazda MX-3.

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. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Find Good Coverage for Less

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an accident victim reduced physical damage coverage and learned later that it was a big error on their part. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented many ideas to compare 1993 Mazda MX-3 insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the biggest savings come from a smaller regional carrier. These companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

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