1990 Mazda 323 Car Insurance Rates – 8 Ideas for Best Quotes

Consumers who are new to price shopping insurance online might discover buying cut-rate car insurance quite difficult.

It’s a great practice to compare prices on a regular basis because rates go up and down regularly. If you had the lowest rates for 323 coverage a year ago you will most likely find a better rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the quickest way to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will most likely be able to save some money using these techniques. But drivers should learn how insurance companies market insurance on the web.

How to Compare Insurance Costs

There are a variety of methods to compare 1990 Mazda 323 insurance prices but there is one way that is easier and takes less work. You could waste a few hours talking to insurance companies in your area, or you can utilize online quotes to get prices fast.

Most of the larger companies participate in an industry program where prospective buyers complete one form, and at least one company can give them a price based on that data. This prevents consumers from doing repetitive form submissions to each individual insurance company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to using this type of form is that you can’t choose which carriers you want pricing from. If you wish to select from a list of companies to receive pricing from, we have a listing of companies who write insurance in your area. View list of insurance companies.

Whichever method you choose, compare apples-to-apples coverages and limits for each comparison quote. If you compare different values for each quote it will be very difficult to truly determine the lowest rate. Slightly different insurance coverages could mean much higher rates. Just remember that comparing a large number of companies will increase your chances of finding a lower rate.

Don’t pay full price with these eight discounts

Companies that sell car insurance don’t always publicize all their discounts very well, so we break down both the well known and also the lesser-known ways to save on insurance.

  • Auto/Home Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Safety Course Discount – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • No Accidents – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Low Mileage Discounts – Keeping the miles down on your Mazda can qualify you for better rates on cars that stay parked.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, insurance companies aren’t that generous.

For a list of insurers offering insurance discounts, click here.

Your personal situation dictates your coverage

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • Who is covered when they drive my 1990 Mazda 323?
  • What can I do if my company won’t pay a claim?
  • Will my insurance pay for OEM parts?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when driving a rental car?
  • Are split liability limits better than a combined single limit?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Specific coverage details

Having a good grasp of insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses like EMT expenses, doctor visits and funeral costs. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision insurance

This will pay to fix damage to your 323 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, backing into a parked car, crashing into a building, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.


This will cover damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like structural damage, funeral expenses, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.