Searching for lower auto insurance rates for your Mazda Navajo? When searching for cheaper insurance, are you intimidated by the wide range of auto insurance sources in your area? Lot’s of other people are too. You have so many sources to choose from that it can really be a challenge to find the perfect company for you.
There are several ways to compare insurance coverage prices but one way is less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in your area, or you could use online quoting to achieve your goal.
Most of the larger companies enroll in a system where prospective buyers enter their policy data once, and every company returns a competitive quote. This saves time by eliminating quote requests for each company you want a rate for.
To compare rates now click here (opens in new window).
The only drawback to comparing rates this way is that you can’t choose which insurance companies you will receive quotes from. So if you want to select specific insurance companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.
It’s up to you how you get prices quotes, just compare exactly the same quote information for every quote you compare. If each company quotes mixed coverages it will be impossible to determine which company has the best rates. Having just a slight variation in limits can mean a large discrepancy in price. And when comparison shopping, comparing more rates from different companies gives you a better chance of getting better pricing.
Car insurance is not cheap, but there may be some discounts that you may not even know about. Some discounts apply automatically at the time of purchase, but less common discounts must be asked for before you get the savings.
A quick disclaimer, many deductions do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. So even though you would think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
Larger insurance coverage companies and a summarized list of policyholder discounts are detailed below.
Check with each insurance company which discounts you qualify for. Savings might not apply in every state.
When buying the best auto insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique.
For example, these questions may help you determine if you would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Knowing the specifics of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Liability insurance provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for things such as structural damage, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.
This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as crashing into a building, damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like fire damage, damage from flooding, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for medical payments and/or PIP reimburse you for expenses such as EMT expenses, rehabilitation expenses, nursing services, surgery and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1994 Mazda Navajo.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Julienne Stout
Will GEICO rates go up if I file a claim?
Jessi Barber
Why are claims settled so low?
Willodean Bennett
Cheaper not always better. Lifelong resident of Kansas City, Missouri. Went online for free insurance quotes for a 1994 Mazda Navajo. Ended up at about $110 savings annually. Went with Progressive. Insured with 21st Century before.
Claudia Estes
Thanks for putting this site together. I’m in the east part of Cranston, RI. Compared rates from a lot of places. Saved roughly $20 a month. GEICO was the cheapest for me. Left Safeco to switch. Switched homeowners coverage too.
Janette Wooten
I found pretty cheap rate quotes for a 1994 Mazda Navajo in Dallas, Texas. Ended up at about $90 every six months with AIG Insurance. Left 21st Century to switch. I even had a DUI years ago. Next renewal I’ll just do liability.
Ferdinand Dodson
Lots of useful info here. I’m in the west part of San Antonio, TX. Quoted with Progressive, Auto-Owners, and some I forget for my Navajo and saved $61 a year. Insured with Travelers before.