Cheap 1999 Mazda 626 Car Insurance Quotes

Car insurance shopping is not a procedure car owners fancy doing, but it’s a required process in order to satisfy compulsory insurance requirements.

How to Compare Car Insurance Costs

To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The quickest method to find the lowest 1999 Mazda 626 rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

  1. Probably the best way to find low rates is a comparison rater form click here to open form in new window. This type of form eliminates the need for separate forms to each individual car insurance company. Filling out one form will return quotes from all major companies. Just one form and you’re done.
  2. A more time consuming way to shop for car insurance online requires visiting each company’s website and request a quote. For sake of this example, let’s say you want rates from Liberty Mutual, Safeco and State Farm. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The least recommended method of comparing rate quotes is to spend your day driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you have a need for the professional guidance only provided by licensed agents. However, consumers can comparison shop your insurance online but still have the advice of a local agent.

Whichever way you use, ensure you’re using identical coverage information on every quote. If you have differing limits it’s not possible to determine the best price for your Mazda 626. Having just a slight variation in insurance coverages can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies will increase your chances of finding the best offered rates.

Pay less by taking advantage of discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for 626 insurance with select insurance companies.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Distant Student – Kids in college who live away from home and don’t have a car may be able to be covered for less.
  • Save over 55 – Older drivers may qualify for reduced rates for 626 insurance.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Military Discounts – Having a family member in the military can result in better rates.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

Companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts may not apply in your area.

Your coverage should be tailored to you

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • What if I don’t agree with a claim settlement offer?
  • How can I force my company to pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Will my rates increase for filing one claim?
  • Should I buy only the required minimum liability coverage?
  • Are rental cars covered under my policy?
  • Should I waive the damage coverage when renting a car?
  • Should I put collision coverage on all my vehicles?
  • Is my 1999 Mazda 626 covered for flood damage?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, sustaining damage from a pot hole, driving through your garage door, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability – Liability insurance can cover injuries or damage you cause to other people or property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as pain and suffering, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1999 Mazda 626.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like doctor visits, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible