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1994 Mazda B-Series Pickup Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 2, 2020

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Trying to find lower car insurance rates for your Mazda B-Series Pickup? Have you fallen victim to overpriced car insurance? Trust us, many consumers feel financially strained by their car insurance policy. There is such a variety of car insurance companies to pick from, and though it is a good thing to have multiple companies, having more insurance companies makes it harder to locate the cheapest rates.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Drivers just need to understand the most efficient way to compare company rates online.

How to Compare Car Insurance Costs

Finding a better price on car insurance is a fairly straight forward process. You just have to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  • The recommended way to get quotes is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quote forms for every car insurance company. Just one form will get you price quotes from several companies.
  • A harder way to analyze rates is to take the time to go to the website for each individual company to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from GEICO, Liberty Mutual and Progressive. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • The least efficient method of comparing rate quotes is to drive around to and from local insurance agencies. Shopping for car insurance online makes this process obsolete unless you require the professional guidance of a local agent. Drivers can get the lowest quotes online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just compare identical information on every quote you get. If you compare higher or lower deductibles you will not be able to determine which rate is truly the best.

The fine print in car insurance ads

Consumers constantly see and hear ads that promise big savings by Progressive, Allstate and GEICO. They all say the same thing that you’ll save big if you move to their company.

How do they all claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the type of driver that makes them money. For instance, a desirable insured could possibly be over the age of 40, insures multiple vehicles, and chooses high deductibles. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Potential insureds who don’t qualify for the requirements will have to pay a higher premium and this can result in business going elsewhere. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That’s why companies can advertise the savings. Because of the profiling, you need to get quotes from several different companies. It’s just too difficult to predict which car insurance company will give you the biggest savings on Mazda B-Series Pickup insurance.

Verify you’re getting all your discounts

Car insurance companies don’t always list every available discount in a way that’s easy to find, so we researched some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount possible, you are throwing money away.

  • Drive Less and Save – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Accident Free – Drivers who don’t have accidents pay much less as compared to drivers who are more careless.
  • E-sign – A handful of insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Service Members Pay Less – Having a family member in the military can result in better rates.

Consumers should know that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

Car insurance companies who might offer these discounts may include but are not limited to:

Before buying, ask each company what discounts are available to you. All car insurance discounts might not apply in your state.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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When should I talk to an agent?

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique so this has to be addressed. For example, these questions could help you determine if your insurance needs could use an agent’s help.

  • If I drive on a suspended license am I covered?
  • Should I buy only the required minimum liability coverage?
  • Do I need motorclub coverage?
  • Am I covered when delivering products for my home-based business?
  • When can I cancel my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does coverage extend to a rental car in a foreign country?
  • When should I not file a claim?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Collision coverage protection

Collision insurance covers damage to your B-Series Pickup from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like hospital visits, pain medications, funeral costs and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mazda B-Series Pickup.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, a broken windshield, hail damage, damage from a tornado or hurricane and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as loss of income, legal defense fees, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Save your cold hard cash

You just read many tips how you can save on 1994 Mazda B-Series Pickup insurance. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

As you restructure your insurance plan, do not buy less coverage just to save a little money. Too many times, an insured dropped full coverage and found out when filing a claim that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best price.

Lower-priced insurance is available both online and also from your neighborhood agents, and you should be comparing both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and these small insurance companies work with independent agents.

Even more information is located at these sites:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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