1995 Mazda 626 Insurance Quotes – 10 Savings Tips

Locating low-cost insurance for a Mazda 626 can normally be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy insurance coverage so you’re going to learn the quickest way to compare rates for a new or used Mazda and obtain the best price possible from local insurance agents and online providers.

Smart consumers take time to get comparison quotes at least once a year since insurance rates are constantly changing. Even if you think you had the best deal on 626 insurance on your last policy the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about insurance coverage because you’re going to learn the proper way to save on insurance coverage.

Locating the best insurance coverage is easy if you know what you’re doing. If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to find the best rates and still get good coverage. Vehicle owners only need an understanding of the tricks to buy insurance coverage over the internet.

More discounts equal less premium

Insurance can cost an arm and a leg, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but some must be specifically requested before you will receive the discount. If they aren’t giving you every credit possible, you are throwing money away.

  • Driver Safety – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • One Accident Forgiven – Some insurance companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Government Employees – Active or retired federal employment can save as much as 8% on 626 insurance with select insurance companies.
  • Low Mileage Discounts – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared to bad drivers.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will bring down your overall premium however.

To see a list of insurers with discount car insurance rates, click this link.

How to Get Insurance

Performing a rate comparison can take time and effort if you don’t utilize the most efficient way to do it. You could spend your day driving to insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many of the larger companies participate in an industry program where insurance shoppers send in one quote, and each participating company can give them a price. This eliminates the need for quote requests for every insurance company. To use this form to compare 1995 Mazda 626 insurance rates click here to start a free quote.

The one disadvantage to getting quotes like this is you are unable to specify which insurance companies you want to price. So if you want to choose specific providers to compare, we have a page of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same information with each company. If your comparisons have unequal deductibles or liability limits it will be impossible to find the best deal for your Mazda 626.

It’s not one size fits all

When buying the best insurance coverage coverage, there is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Is my custom paint covered by insurance?
  • How high should deductibles be on a 1995 Mazda 626?
  • Do I have coverage when making deliveries for my home business?
  • Do I need added coverage for expensive stereo equipment?
  • Does my car insurance cover rental cars?
  • Is business property covered if stolen from my car?
  • Why am I required to buy liability insurance?
  • Is motorclub coverage worth it?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, hail damage and a broken windshield. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, repair costs for stationary objects, pain and suffering, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses like hospital visits, doctor visits, pain medications, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision protection

This coverage covers damage to your 626 resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, rolling your car, backing into a parked car, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Mazda 626.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Quote more. Save more.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped physical damage coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Drivers switch companies for many reasons like policy cancellation, delays in paying claims, being labeled a high risk driver and policy non-renewal. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

We covered many ways to compare 1995 Mazda 626 insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

For more information, feel free to browse the resources below: