1991 Mazda 323 Insurance Rates – 9 Tips for Best Quotes

Consumers have a choice when looking for the lowest priced Mazda 323 insurance. You can either waste hours driving around to compare prices or use the internet to get rate quotes. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to price shop coverage for a Mazda and find the cheapest rates either online or from local insurance agents.

If you have insurance now or are just looking to switch companies, you can learn to shop for the lowest rates while maximizing coverage. This information will familiarize you with how to get online quotes and some tricks to saving. Drivers only need an understanding of the best way to shop their coverage around over the internet.

Save money by taking advantage of these nine discounts

Car insurance companies do not advertise every available discount very clearly, so here is a list some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates for 323 insurance.
  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for 323 insurance with certain companies.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous.

A partial list of companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts might not be offered in your state.

When should I use an insurance agent?

When it comes to choosing coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is business equipment covered while in my vehicle?
  • Can my teen drive my company car?
  • When would I need additional glass coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have newly-aquired coverage?
  • When should I remove comp and collision on my 1991 Mazda 323?
  • How many claims can I have before being cancelled?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

The car insurance bait and switch

Consumers can’t get away from ads for cheaper car insurance by Geico, State Farm and Progressive. All the companies have a common claim that you’ll save big if you switch to their company.

How does each company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the driver they prefer to insure. An example of a desirable insured might be profiled as over the age of 50, has no prior claims, and has great credit. Any driver who matches those parameters will qualify for the lowest rates and therefore will save when they switch companies.

Potential insureds who don’t meet the requirements will have to pay more money which usually ends up with business not being written. The ads say “customers that switch” not “people who quote” save that much. That’s why insurance companies can state the savings. Because of the profiling, it is so important to get a wide range of price quotes. It’s not possible to predict which insurance companies will give you the biggest savings on Mazda 323 insurance.

Auto insurance policy specifics

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This coverage will pay to fix damage to your 323 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, backing into a parked car, crashing into a ditch, rolling your car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, fire damage, a broken windshield and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This will cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $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 coverage protects against claims like structural damage, pain and suffering and attorney fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1991 Mazda 323.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as dental work, surgery and funeral costs. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

In any little way, save everyday

We just presented many ways to reduce 1991 Mazda 323 insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with the least-expected company.

Drivers switch companies for any number of reasons including lack of trust in their agent, high rates after DUI convictions, policy non-renewal and policy cancellation. Regardless of your reason, finding a great new company can be easy and end up saving you some money.

The cheapest insurance can be bought from both online companies as well as from independent agents, so compare prices from both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

To read more, take a look at the resources below: