2000 Mazda B-Series Pickup Car Insurance Rates

Buyers have a choice when searching for low-cost Mazda B-Series Pickup insurance. You can either waste hours driving around trying to get quotes or use the internet to get rate quotes.

There is a better way to buy insurance so we’re going to tell you the absolute fastest way to compare rates for a Mazda and find the cheapest rates from local insurance agents and online providers.

The purpose of this post is to instruct you on the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Drivers only need an understanding of the proper way to get comparison quotes online.

Vehicle Insurance Comparison

Lowering your 2000 Mazda B-Series Pickup car insurance rates doesn’t have to be difficult. Consumers just need to invest a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The recommended way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This type of form prevents you from having to do multiple quote forms for every car insurance company. Taking the time to complete one form gets you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
A more difficult way to compare rate quotes consists of going to the website for each individual company and request a quote. For examples sake, let’s say you want comparison quotes from Auto-Owners, Safeco and State Farm. To find out each rate you need to visit each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
The least efficient method of comparing rate quotes is driving around to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the personal advice of a licensed agent. However, consumers can comparison shop your insurance online but buy from a local insurance agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverages and limits with every price quote. If you have higher or lower deductibles then you won’t be able to truly determine the lowest rate.

Do I just need basic coverages?

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether you could use an agent’s help.

Is my trailer covered?
Do I need an umbrella policy?
Why is insurance for a teen driver so high?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Where can I get insurance after a DUI in my state?
Is there coverage for injuries to my pets?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Detailed coverages of your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance coverage pays for 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 a tree branch falling on your vehicle, damage from a tornado or hurricane, theft, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability 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. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as bail bonds, attorney fees and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as hospital visits, ambulance fees, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Auto collision coverage

This covers damage to your B-Series Pickup resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, driving through your garage door, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.