View 1998 Mazda 626 Car Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say there are lots of people in the same boat.

Lots of insurers contend to insure your vehicles, so it can be very hard to choose a insurance company to find the lowest rate possible.

You need to compare rates yearly because rates are constantly changing. Despite the fact that you may have had the lowest price on 626 coverage a few years ago a different company probably has better rates today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the easiest way to lower your rates without sacrificing coverage.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. Finding affordable coverage is easy if you know what you’re doing. But vehicle owners do need to learn the way companies compete online and use this information to your advantage.

Where Can I Get Cheap Insurance?

Most companies such as Geico, State Farm and Progressive give coverage price quotes on the web. Getting online rates is pretty painless as you just enter your coverage information into the quote form. When complete, the system gets your driving record and credit report and gives you a price quote based on these and other factors. This helps simplify price comparisons, but having to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to do this if you want to find the lowest insurance rates.

Rate comparisons made easy

A less time-consuming method to compare insurance pricing utilizes a single form that gets prices from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more enjoyable. After sending the form, it is rated and you can select any one of the quotes returned. If a lower price is quoted, you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To quickly get comparison pricing now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you’re receiving a price comparison for the exact same coverage.

Discounts can save BIG

Companies do not list every available discount very clearly, so here is a list some of the best known as well as the least known ways to save on car insurance.

  • Distant Student – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Club Memberships – Being a member of a qualifying organization could qualify you for a break when buying car insurance on 626 coverage.
  • Homeowners Discount – Being a homeowner may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Early Signing – Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on 626 coverage than their less cautious counterparts.
  • Paperless Signup – A handful of insurance companies will give a small break for buying your policy over the internet.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Claim Free – Good drivers with no accidents can earn big discounts as compared to bad drivers.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, car insurance companies aren’t that generous.

For a list of companies with the best car insurance discounts, click here.

Mazda 626 insurance rates are influenced by…

An important part of buying insurance is that you know some of the elements that go into determining your insurance coverage rates. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in better insurance coverage rates.

  • Where you reside plays a part – Residing in a small town is a positive aspect when it comes to insurance coverage. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • Equipment add-ons that lower insurance coverage rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • More than one policy can earn a discount – Some insurance coverage companies will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to ensure the best deal. Drivers may still find a better deal by buying insurance coverage from a different company.
  • Do you need those extra coverages? – There are a ton of extra bells and whistles you can purchase on your 1998 626 policy. Coverages for personal injury protection, better glass coverage and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Keep rates low by being claim-free – Insurance companies award discounts to drivers who do not file claims often. If you tend to file frequent claims, you can definitely plan on higher rates. Auto insurance is intended to be relied upon for larger claims.

Will just any policy work for me?

When choosing adequate coverage, there is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if you could use an agent’s help.

  • Is business equipment covered while in my vehicle?
  • Why do I only qualify for high-risk insurance?
  • Do I have coverage when making deliveries for my home business?
  • How can I get my company to pay me more for my totalled car?
  • How does medical payments coverage work?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I hit a deer?
  • What exactly is covered by my policy?
  • Is extra glass coverage worth it?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Slick advertising tricks that work

Insurance coverage companies such as Geico, State Farm and Progressive continually stream ads on TV and radio. They all seem to say the same thing that you’ll save big after switching to them. How can each company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the driver that earns them a profit. A good example of a desirable insured might be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and most likely will save when they switch companies.

Drivers who are not a match for this ideal profile must pay higher prices which usually ends up with business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can confidently advertise the way they do. This illustrates why drivers should get as many comparisons as possible. It’s not possible to predict which company will provide you with the cheapest Mazda 626 insurance rates.

Specific coverages for a Mazda 626

Knowing the specifics of a auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages offered by auto insurance companies.

Liability coverages

Liability coverage can cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like medical services, repair costs for stationary objects, court costs, structural damage and emergency aid. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

This 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 insurance covers claims like rock chips in glass, falling objects and damage from getting keyed. The highest amount your auto 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.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

This coverage pays for damage to your 626 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for pain medications, funeral costs and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a Smart Shopper

Cost effective 1998 Mazda 626 insurance is attainable both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. A few companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

We just showed you many ideas to save on insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

Additional insurance information is located at these links: