Cheapest 1995 Mazda RX-7 Insurance Rates in 2023
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UPDATED: Jun 1, 2023
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Want cheaper insurance rates for your Mazda RX-7? Buying car insurance is not a chore drivers look forward to, but like it or not it is mandatory for any vehicle you drive.
These discounts can lower your rates
Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you quote, but less common discounts must be manually applied before they will apply.
- Military Discounts – Having a deployed family member can result in better rates.
- Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
- Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
- Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
- Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
- Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
- Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will help reduce your overall premium however.
A partial list of companies that may have some of the above discounts include:
It’s a good idea to ask each company which discounts you may be entitled to. Some discounts may not be available everywhere.
Comparison of Auto Insurance
Most major insurance companies quote pricing on the web. Getting online quotes doesn’t take much effort as you just type in your coverage preferences into the quote form. When complete, their system will obtain information on your driving record and credit history and returns a price quote based on these factors.
Online quotes streamlines rate comparisons, but having to visit several different sites and enter the same data into a form gets old quite quickly. But it’s very important to perform this step if you want to find the lowest possible prices on auto insurance.
A quicker way to compare rates makes use of a single form that obtains quotes from several different companies. It saves time, requires less work, and makes price shopping online a little more enjoyable. Immediately after you send the form, it is rated and you are able to buy any one of the returned quotes.
If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.
To quickly compare rates now, click here and complete the simple form. If you currently have coverage, we recommend you copy the coverages as shown on your current policy. This guarantees you are getting an apples-to-apples comparison for exact coverage.
Different people need different coverages
When it comes to buying the best car insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight whether or not you might need professional guidance.
- Are rock chip repairs covered?
- Is my state a no-fault state?
- Is rental equipment covered for theft or damage?
- How does medical payments coverage work?
- Are my friends covered when driving my 1995 Mazda RX-7?
- Should I get collision insurance on every vehicle?
- How high should my uninsured/underinsured coverage be in my state?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.
Car insurance specifics
Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for bills like pain medications, ambulance fees, X-ray expenses and nursing services. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability insurance – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people. It does not cover 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 commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for claims such as repair costs for stationary objects, medical services, pain and suffering, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from 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, vandalism, damage from a tornado or hurricane and fire damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision – Collision coverage will pay to fix damage to your RX-7 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.
Be a money saver!
As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There are many occasions where an accident victim reduced collision coverage only to find out that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.
In this article, we presented a lot of information how to get a better price on 1995 Mazda RX-7 insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the best prices are with a lesser-known regional company.
Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, unfair underwriting practices and denial of a claim. No matter why you want to switch, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.
Helpful learning opportunities
- Teen Driving Statistics (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Liability Insurance Coverage (Nationwide)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
Frequently Asked Questions
How can I find cheap auto insurance rates for my 1995 Mazda RX-7?
To find cheap auto insurance rates for your 1995 Mazda RX-7, you can use the free quote tool on our website. Enter your zip code to view companies that offer affordable rates.
Are there any discounts available that can lower my auto insurance rates?
Yes, there are discounts available that can help you save money on your auto insurance. Some discounts may apply automatically when you request a quote, while others may need to be manually applied. It’s a good idea to ask each insurance company about the discounts you may be eligible for.
How can I compare auto insurance rates?
You can compare auto insurance rates by visiting the websites of different insurance companies and requesting quotes. Alternatively, you can use a single form that obtains quotes from multiple companies, saving you time and effort.
Why should I consider talking to an agent when buying car insurance?
When it comes to buying car insurance, everyone’s situation is different. If you find it difficult to determine the best coverage for your needs, it may be helpful to speak to an agent who can provide professional guidance.
What are some important car insurance coverages to consider?
Some important car insurance coverages to consider include:
- Uninsured/Underinsured Motorist Insurance: This coverage protects you and your vehicle when other motorists either have inadequate liability coverage or no coverage at all.
- Medical Payments Coverage/Personal Injury Protection: These coverages help pay for medical expenses resulting from an accident, such as hospital bills, ambulance fees, and nursing services.
- Liability Insurance: Liability insurance provides protection against injuries or damage you cause to other people or property.
- Comprehensive Coverage: Comprehensive insurance pays for damages to your vehicle from incidents other than collisions, such as vandalism, fire, or natural disasters.
- Collision Coverage: Collision coverage pays for damages to your vehicle resulting from a collision with another vehicle or object.
Should I reduce coverages to save money on car insurance?
It’s not recommended to reduce necessary coverages to save money on car insurance. While it may lower your premiums in the short term, it can leave you financially vulnerable in case of an accident. It’s important to purchase enough coverage to protect your assets.
Why should I shop around for car insurance?
Shopping around for car insurance allows you to compare rates and find the best prices available. Switching insurance companies can help you save money if you’re labeled as a high-risk driver, facing high rates due to DUI convictions, experiencing unfair underwriting practices, or have had a claim denied.
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