1991 Mazda 323 Insurance Quotes – 6 Savings Tips

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

A partial list of companies that may offer quotes with these benefits possibly include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

If you need lower rates, check with every company the best way to save money. A few discounts may not apply in your state. If you would like to see a list of providers who offer discounts, follow this link.

The easiest way to compare car insurance rates takes advantage of the fact most of the bigger providers allow for online access to give rate comparisons. To start a quote, the only thing you need to do is take a few minutes to give details including the ages of drivers, if you require a SR-22, the year, make and model of vehicles, and whether your vehicle is owned or leased. The rating information is then submitted to all major companies and they provide comparison quotes very quickly.

To start a quote now, click here and find out if lower rates are available.

Auto insurance can get complicated

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions could help you determine whether your personal situation could use an agent’s help.

• Are there companies who specialize in insuring high-risk drivers?
• Can I rent a car in Mexico?
• Does my insurance cover a custom paint job?
• Does car insurance cover theft of personal property?
• Am I getting all the discounts available?
• When should I remove comp and collision on my 1991 Mazda 323?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverages for a Mazda 323

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision protection

This coverage covers damage to your 323 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, crashing into a ditch, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills such as funeral costs, hospital visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, vandalism, damage from getting keyed, rock chips in glass and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This protects you from damages or injuries you inflict on people or other property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Be a smart shopper

Consumers change insurance companies for any number of reasons including lack of trust in their agent, policy non-renewal, unfair underwriting practices or an unsatisfactory settlement offer. No matter why you want to switch, finding the right insurance coverage provider is not as hard as you think.

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best cost, not the least amount of coverage.

We’ve covered some good ideas how to compare 1991 Mazda 323 insurance rates online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from a smaller regional carrier.

More learning opportunities

• What is Full Coverage? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Tread Depth and Tire Safety (State Farm)
• Auto Insurance Learning Center (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)