1998 Mazda B-Series Pickup Insurance Rates
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UPDATED: Mar 2, 2020
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Having to pay for overpriced auto insurance can empty your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to help make ends meet.
Companies like State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with advertising and consumers find it hard to sift through the bull and find the best price available.
Smart consumers take time to take a look at other company’s rates yearly because rates are adjusted regularly by insurance companies. Even if you got the lowest price on B-Series pickup coverage on your last policy there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to find out the fastest way to find great coverage at a great price.
Free Quotes for Auto Insurance
Most companies like Progressive, GEICO, Allstate and State Farm allow you to get pricing online. This process is quite easy as you just type in your coverage information into the quote form. After the form is submitted, their system sends out for credit information and your driving record and returns a price quote determined by many factors. Being able to quote online helps simplify price comparisons, but the time it takes to visit different websites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to do this if you want to find lower prices.
The smarter way to find lower prices uses one form that gets price quotes from a lot of companies. It’s a real time-saver, reduces the work, and makes online quotes much more enjoyable. As soon as you send your information, it is quoted with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and purchase coverage. This process just takes a couple of minutes and may save quite a bit of money.
To quickly get comparison pricing now, click here and enter your information. To compare your current rates, we recommend that you enter the limits and deductibles exactly as shown on your declarations page. This guarantees you will receive comparison quotes using the exact same coverages.
Drivers who switch save $442 a year? Really?
Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to have a common claim about savings if you move to them. How does each company claim to save you money?
All the different companies have a certain “appetite” for the right customer that earns them a profit. For example, a driver they prefer could be a mature driver, is a homeowner, and chooses high deductibles. A driver who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.
Potential customers who do not match the “perfect” profile must pay higher rates which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that much money. This is how companies can truthfully make the claims of big savings. This illustrates why you should compare as many rates as you can. It’s just too difficult to predict which car insurance company will provide you with the cheapest Mazda B-Series Pickup insurance rates.
Do you qualify for these seven discounts?
Auto insurance companies don’t always list every available discount very well, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
- Anti-theft System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
- Distant Student – Kids in college living away from home attending college and don’t have a car can be insured at a reduced rate.
- Drive Less and Save – Keeping the miles down on your Mazda can qualify you for discounted rates on garaged vehicles.
- Good Student Discount – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
- New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
- Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
It’s important to note that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way.
To see a list of insurers with the best auto insurance discounts, click this link.
Don’t assume everyone needs the same coverage
When it comes to choosing coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining if your insurance needs will benefit from professional help.
- Why am I required to buy liability insurance?
- Are split liability limits better than a combined single limit?
- How much can I save by bundling my policies?
- Am I covered if I drive in a foreign country?
- Where can I get insurance after a DUI in my state?
- Do I need more liability coverage?
- How much liability do I need to cover my assets?
- Who is covered by my policy?
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If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.
The coverage is in the details
Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average auto insurance policy.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like funeral costs, doctor visits and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision – Collision insurance pays for damage to your B-Series Pickup from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for things like driving through your garage door, crashing into a building, crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Liability insurance – Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability coverage protects against claims like medical services, repair costs for stationary objects, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like hitting a deer, hitting a bird and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mazda B-Series Pickup.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.
Affordable insurance is out there
In this article, we covered a lot of tips how to shop for 1998 Mazda B-Series Pickup insurance online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.
As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.
To read more, link through to the articles below:
- Credit Impacts Car Insurance Rates (State Farm)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Auto Insurance 101 (About.com)
- Distracted Driving Extends Beyond Texting (State Farm)
- Older Driver Statistics (Insurance Information Insitute)
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