2001 Mazda B-Series Insurance Rates

Drivers have a choice when trying to find the lowest priced Mazda B-Series insurance. They can either waste time driving around getting price quotes or use the internet to compare rates.

There is a right way and a wrong way to shop for insurance and you need to know the absolute fastest way to compare rates on a Mazda and find the best price possible.

Mazda B-Series premiums are determined by many factors

An important part of buying insurance is that you know the different types of things that play a part in calculating your car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

Shown below are some of the factors used by your company to calculate prices.

  • Big city or small town – Choosing to live in small towns and rural areas has it’s advantages when it comes to car insurance. City drivers have to deal with congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Occupations like real estate brokers, executives and financial analysts have higher average rates due to high stress levels and long work days. Conversely, jobs such as farmers, engineers and performers get better rates for B-Series coverage.
  • Multi-policy discounts can save money – The majority of insurers will give a discount to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to shop around to ensure the best deal.
  • Women pay lower rates – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women have accidents at a similar rate, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Young males tend to get in the most accidents and are penalized with high car insurance rates.
  • Lower deductibles cost more – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Mazda. Some examples of claims that would be covered could be colliding with a building, vandalism, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the lower your rates will be for B-Series coverage.

The best way to compare rates is to take advantage of the fact most larger insurance companies provide online access to quote your coverage. To get started, all you need to do is give them some information including if you are currently licensed, deductibles desired, if it has an anti-theft system, and how much education you have. That information gets sent immediately to insurance carriers in your area and they return cost estimate with very little delay.

To start a rate quote now, click here and enter your coverage details.

How to reduce 2001 Mazda B-Series insurance rates

Car insurance is not cheap, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you quote, but a few need to be inquired about before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
  • Clubs and Organizations – Belonging to a qualifying organization may earn a discount on insurance for B-Series coverage.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Senior Discount – Older drivers can possibly qualify for better insurance rates for B-Series coverage.
  • Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will help reduce your premiums.

For a list of insurance companies offering insurance discounts, click here to view.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • Does having multiple vehicles earn me a discount?
  • Does my 2001 Mazda B-Series qualify for pleasure use?
  • Is my teenager covered with friends in the car?
  • What is high-risk coverage and where do I buy it?
  • Can I still get insurance after a DUI?
  • Is my 2001 Mazda B-Series covered for smoke damage?
  • Am I covered if I hit a deer?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like funeral expenses, attorney fees, medical services, emergency aid and medical expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Collision insurance

Collision insurance pays for damage to your B-Series resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, hitting a mailbox, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mazda B-Series.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, rehabilitation expenses and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Summing up your insurance search

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented some good ideas how you can compare 2001 Mazda B-Series insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a smaller regional carrier.

Cheaper insurance can be bought from both online companies and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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