Cheaper 1993 Mazda RX-7 Car Insurance Quotes

Have you had enough of being strong-armed to pay your car insurance bill each month? Your situation is no different than millions of other consumers. Insurance companies such as Progressive, Geico and Farmers Insurance all claim big savings with TV and radio ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

Comparison of Car Insurance

Finding a better price on car insurance isn’t really that difficult. The only requirement is to take a few minutes comparing price quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The single most time-saving way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form prevents you from having to do separate quotes to each individual car insurance company. One quote request will return quotes from all major companies.
  2. A less efficient way to shop for car insurance online requires you to visit each company website to complete their respective quote request forms. For example, let’s assume you want to compare Nationwide, Farmers and Geico. To find out each rate you need to go to every website to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverages and limits with every price quote. If you compare unequal deductibles or liability limits it will be impossible to find the best deal for your Mazda RX-7.

How to reduce Mazda RX-7 insurance rates

Car insurance companies don’t always publicize every discount very well, so we break down both well-publicized as well as the least known ways to save on insurance coverage. If you don’t get every credit possible, you are paying more than you should be.

  • Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Clubs and Organizations – Participating in a qualifying organization may earn a discount on your policy for RX-7 insurance.
  • Save over 55 – If you’re over the age of 55, you may be able to get better insurance coverage rates for RX-7 insurance.

It’s important to understand that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, you’re out of luck.

To see a list of insurers with discount insurance coverage rates, click here to view.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you might need professional guidance.

  • If I drive on a suspended license am I covered?
  • Am I covered if I crash into my own garage door?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I really need UM/UIM coverage?
  • Is my ex-spouse still covered by my policy?
  • Why do I need rental car insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Information about specific coverages

Having a good grasp of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, X-ray expenses, surgery and EMT expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision – Collision coverage will pay to fix damage to your RX-7 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, sideswiping another vehicle, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability – Liability coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy 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 limit of $50,000 paid for damaged property.

Liability can pay for things such as medical services, emergency aid, repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mazda RX-7.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, damage from flooding, damage from getting keyed, a broken windshield and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

In Summary

Affordable 1993 Mazda RX-7 insurance is available both online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

We just presented some good ideas how you can reduce insurance prices online. The key thing to remember is the more you quote, the better your comparison will be. Consumers could even find that the best price on car insurance is with an unexpected company. They may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

Additional information