Lower Your 1997 Mazda MX-6 Insurance Cost

Searching for cheaper car insurance rates for your Mazda MX-6? If online car insurance comparisons are new to you, it’s easy to get confused because of the huge number of companies competing for business.

How to Compare Insurance Costs

There are a variety of methods to compare 1997 Mazda MX-6 insurance quotes, but one way is less time-consuming than others. You can spend countless hours driving to local insurance agents in your area, or you can utilize online quoting to quickly compare rates.

Many popular insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and every company can give them a price. This prevents consumers from doing quote requests for each company.

To find out how much you’re overpaying now click here to start a free quote.

The only drawback to getting quotes like this is that you can’t choose the companies to get quotes from. So if you want to select individual companies to request quotes from, we have a page of insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing identical coverages on every quote. If the quotes have differing limits it will be next to impossible to truly determine the lowest rate. Just a small difference in coverages may cause a big price difference. And when comparing insurance rates, know that quoting more helps locate a lower rate.

Get lower rates on 1997 Mazda MX-6 insurance

Companies offering auto insurance don’t always advertise all their discounts very clearly, so here is a list some of the more common and also the lesser-known savings tricks you should be using.

  • Paperwork-free – Certain companies may give you up to $50 for buying your policy on their website.
  • Clubs and Organizations – Affiliation with a qualifying organization may earn a discount on insurance on MX-6 insurance.
  • Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Passive Restraints – Factory air bags can receive discounts of more than 20%.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Homeowners Discount – Owning a house can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, you won’t be that lucky.

A partial list of companies who might offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. Some discounts may not apply everywhere.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Who is covered by my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What companies insure drivers after a DUI or DWI?
  • Why am I required to buy high-risk coverage?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is rental equipment covered for theft or damage?

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 lower rates from a local agent, fill out this quick form.

Auto insurance coverage considerations

Having a good grasp of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, theft, rock chips in glass and damage from flooding. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mazda MX-6.

Due to the fact that many drivers carry very low liability coverage limits, 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.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, hospital visits, ambulance fees, funeral costs and doctor visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability

This coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as court costs, structural damage, emergency aid, funeral expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your MX-6 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.