Save on 1993 Mazda MX-6 Insurance Quotes

Trying to find cheaper insurance coverage rates for your Mazda MX-6? I can’t think of anyone who looks forward to buying insurance coverage, especially knowing they are paying too much. With so many companies and agents to choose from, it can be diffult for consumers to choose the lowest cost car insurance company.

Consumers should take time to check insurance coverage prices yearly since rates change quite often. Even if you got the best deal for MX-6 coverage six months ago a different company probably has better rates today. Starting now, forget all the misinformation about insurance coverage because I’m going to teach you the easiest way to find lower rates on insurance coverage.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, but companies offer discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but a few must be specifically requested before you get the savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% for MX-6 coverage.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can qualify for discounts of up to 25% or more.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Student in College – Children living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Claim Free – Drivers with accident-free driving histories pay much less as compared to bad drivers.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will bring down your premiums.

For a list of insurance companies who offer car insurance discounts, click this link.

There’s no such thing as the perfect policy

When buying the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • What is PIP insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my trailer covered?
  • Will filing a claim cost me more?
  • Am I covered when driving on a suspended license?
  • Is my custom paint covered by insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions, you might consider talking 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 insurance companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a 1993 Mazda MX-6

Knowing the specifics of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Liability insurance

This provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, 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. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid, funeral expenses and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses like hospital visits, dental work, funeral costs, surgery and X-ray expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This covers damage to your MX-6 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, a broken windshield, hitting a deer, falling objects and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mazda MX-6.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Online plus local equals savings

You just read many tips how you can shop for 1993 Mazda MX-6 insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates than their larger competitors like State Farm, Geico and Nationwide.

Low-cost insurance can be found from both online companies in addition to many 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 provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Much more information about insurance coverage can be found at these links: