Lower Your 1994 Mazda RX-7 Car Insurance Cost

Want the cheapest car insurance rates? Drivers have many options when trying to find affordable Mazda RX-7 insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There is a right way and a wrong way to buy car insurance and you need to know the best way to price shop coverage for a Mazda and obtain the lowest possible price.

How to Compare Car Insurance Costs

Most major insurance companies give coverage price quotes on the web. This process is quite simple as you just type in your required coverages as detailed in the form. Behind the scenes, their rating system gets your credit score and driving record and quotes a price based on these and other factors.

Online price quotes simplifies rate comparisons, but the work required to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible in order to find the lowest car insurance rates.

The quickest way to find better car insurance pricing uses one form that analyzes rates from a bunch of companies at once. It saves time, eliminates form submissions, and makes online shopping much more enjoyable. As soon as the form is sent, it is rated and you can choose any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process takes just a few minutes to complete and you will know how your current rates stack up.

To save time and fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you enter deductibles and limits as shown on your current policy. This helps ensure you are getting a price comparison for the exact same coverage.

Will just any policy work for me?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help you determine whether you would benefit from professional advice.

  • When can I cancel my policy?
  • Does medical payments coverage apply to all occupants?
  • Do I need higher collision deductibles?
  • How much liability insurance is required?
  • Is my trailer covered?
  • Is my nanny covered when driving my vehicle?
  • Is my teenager covered with friends in the car?
  • How do I file an SR-22 for a DUI in my state?

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

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from flooding, hitting a deer and theft. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This covers damage to your RX-7 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, crashing into a building, colliding with another moving vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as attorney fees, court costs, funeral expenses, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as dental work, ambulance fees and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” 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.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.