1996 Mazda MX-6 Insurance Rates

Want better insurance coverage rates? Drivers have many options when trying to find the lowest priced Mazda MX-6 insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to get rate quotes. There is a right way and a wrong way to shop for insurance coverage and you need to know the best way to get price quotes for a Mazda and obtain the lowest price.

If you are insured now or are shopping for new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. The purpose of this post is to tell you how car insurance quotes work and some money-saving tips. Vehicle owners only need an understanding of the best way to compare rates over the internet.

Finding Insurance Coverage

Finding a lower price on 1996 Mazda MX-6 insurance is not rocket science. All that’s required is to take time to compare quotes online with multiple companies. This can be accomplished in a couple of different ways.

The best way to get quotes would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do boring form submissions for each company. Filling out one form will return price quotes from all major companies. It’s definitely the quickest method.

A more difficult way to analyze rates is to manually visit the website of each company and request a quote. For example, let’s say you want to compare rates from Auto-Owners, Progressive and Farmers. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare the exact same coverage limits and deductibles with each company. If you have different liability limits it will be impossible to make a fair comparison for your Mazda MX-6.

Cut your car insurance rates with discounts

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so we researched both well-publicized and also the lesser-known car insurance savings. If you aren’t receiving every discount possible, you are throwing money away.

  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

Companies who might 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. Some discounts may not be available in your state.

You are unique and your car insurance should be too

When buying coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Do I need an umbrella policy?
  • Am I covered when driving a rental car?
  • How do I buy GAP insurance?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages explained

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance pays for damage to your MX-6 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, surgery and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mazda MX-6.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from 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 a broken windshield, rock chips in glass, fire damage, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability coverage will cover damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like emergency aid, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.