1995 Mazda B-Series Pickup Car Insurance Rates – 9 Savings Tips

Looking for the cheapest insurance coverage rates for your Mazda B-Series Pickup? Finding the cheapest insurance for your Mazda B-Series Pickup could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the best way to price shop coverage on a Mazda and find the cheapest rates either online or from local insurance agents.

Compare quotes for insurance

Comparing insurance rates can be a lot of work if you don’t utilize the most efficient way. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could use the web to get rates in a matter of minutes.

All the larger companies participate in a marketplace that allows shoppers to submit their information once, and each participating company returns a rated price determined by their information. This eliminates the need for quote requests to each individual insurance company.

To compare rates now click to open in new window.

The single downside to comparing rates this way is that you can’t choose which carriers to get quotes from. So if you prefer to pick individual companies to compare rates, we have a page of low cost insurance companies in your area. Click to view list.

The approach you take is up to you, just try to use nearly identical coverages for each quote you get. If you enter unequal deductibles or liability limits it will be very difficult to determine which company has the best rates.

These nine discounts can lower your auto insurance quotes

Car insurance is not cheap, but discounts can save money and there are some available that you may not even know about. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be asked for before they will apply.

• Multiple Cars – Having several vehicles with the same company could earn a price break for each car.
• New Car Discount – Buying a new car model can cost up to 25% less because newer vehicles keep occupants safer.
• Data Collection Discounts – Insureds who allow driving data collection to spy on their driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as they are good drivers.
• Defensive Driver – Passing a course teaching defensive driving skills can save you 5% or more and make you a better driver.
• Federal Employees – Being employed by or retired from a federal job can save as much as 8% for B-Series pickup insurance with select insurance companies.
• Life Insurance – Select companies reward you with a break if you buy life insurance from them.
• Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of 20% or more.
• Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
• Auto/Home Discount – When you have multiple policies with the same insurance company you may save up to 20% and get you affordable insurance.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Companies and their offered discounts are outlined below.

• State Farm includes discounts for Drive Safe & Save, passive restraint, anti-theft, multiple policy, student away at school, and accident-free.
• American Family policyholders can earn discounts including Steer into Savings, air bags, mySafetyValet, multi-vehicle, TimeAway discount, and accident-free.
• AAA offers discounts for multi-policy, anti-theft, pay-in-full, good driver, good student, AAA membership discount, and education and occupation.
• Geico offers premium reductions for membership and employees, anti-theft, multi-policy, multi-vehicle, and air bags.
• Mercury Insurance discounts include type of vehicle, age of vehicle, location of vehicle, accident-free, annual mileage, professional/association, and good student.
• Farmers Insurance offers discounts including early shopping, electronic funds transfer, multi-car, alternative fuel, homeowner, good student, and business and professional.
• Progressive has savings for good student, multi-vehicle, homeowner, continuous coverage, online signing, and multi-policy.

If you want low cost insurance quotes, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in your state.

Different people need different insurance coverages

When it comes to buying the best insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help you determine whether your personal situation may require specific advice.

• How can I get high-risk coverage after a DUI?
• What is medical payments coverage?
• Does my medical payments coverage pay my health insurance deductible?
• When should I buy a commercial auto policy?
• What is roadside assistance coverage?
• Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Brand name doesn’t guarantee savings

Drivers can’t get away from all the ads that claim the cheapest prices from the likes of State Farm and Allstate. They all make the point that people will save if you get a free insurance quote and switch your insurance coverage coverage to their company.

How does every company charge lower premium rates? You have to listen carefully.

All companies give the best rates for the type of driver that will most likely be profitable. For instance, a profitable insured might be between the ages of 30 and 45, has no driving citations, and drives a vehicle with a low ISO rating. A customer who meets those qualifications may get the lowest car insurance rates and will save when they switch companies.

Potential insureds who may not quite match this stringent profile will be charged more expensive rates with the end result being the customer buying from someone else. Company advertisements say “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s why companies can make it sound like they have such great car insurance rates.

Different companies use different criteria so you really should do a rate comparison at every renewal. It’s not possible to predict which insurance companies will have the lowest rates.

The coverage is in the details

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, rolling your car, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, a broken windshield, falling objects and hitting a deer. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, hospital visits and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

This coverage protects you from damages or injuries you inflict on other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like bail bonds, pain and suffering, court costs, funeral expenses and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Mazda B-Series Pickup.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Cheaper insurance is a realistic goal

You just learned a lot of information how to compare 1995 Mazda B-Series Pickup insurance premium rates online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company.

Affordable 1995 Mazda B-Series Pickup insurance can be sourced on the web and also from your neighborhood agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not provide the ability to get quotes online and usually these smaller companies only sell coverage through independent agents.

When searching for the cheapest insurance quotes, don’t be tempted to reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage only to regret at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

For more information, take a look at these articles:

• Collision Coverage (Liberty Mutual)
• Collision Insurance Coverage (Nationwide)
• Should I Buy a New or Used Car? (Allstate)
• Auto Insurance Basics (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)