1996 Mazda B-Series Pickup Car Insurance Quotes

Searching for better insurance rates for your Mazda B-Series Pickup? High-priced insurance can dry up your checking account and maybe even restrict other spending. Comparison shopping is a smart way to make sure you’re not throwing money away.

Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every insurer to discover the definitive lowest price

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Buying car insurance is not that difficult. Nevertheless, consumers must learn how companies market insurance on the web and apply this information to your search.

More discounts mean cheap premiums

Car insurance is easily one of your largest bills, but you may qualify for discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you purchase, but occassionally some discounts must be asked about before they will apply.

• Bundle and Save – If you have multiple policies and place coverage with the same company they may give you a discount of approximately 10% to 15%.
• College Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
• Membership in Organizations – Belonging to a professional or civic organization may earn a discount on car insurance.
• Data Collection Discounts – Policyholders that allow their company to spy on driving habits by using a telematics device such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
• Government Employee Discount – Active or former government employment can earn a discount up to 10% on B-Series pickup insurance but check with your company.
• Anti-lock Brake System – Cars and trucks with ABS and/or traction control have fewer accidents and will save you 10% or more.

We need to note that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you could get a free car insurance policy, you aren’t that lucky.

A few of the larger companies and a selection of discounts are:

• Farm Bureau may have discounts that include youthful driver, renewal discount, multi-policy, good student, multi-vehicle, safe driver, and 55 and retired.
• Liberty Mutual offers discounts for multi-car, multi-policy, new graduate, newly retired, and exclusive group savings.
• State Farm offers premium reductions for safe vehicle, good driver, good student, Steer Clear safe driver discount, and student away at school.
• Auto-Owners Insurance includes discounts for safe driver, anti-theft, teen driver, anti-lock brakes, paid in full, safe vehicle, and mature driver.
• Geico has discounts for driver training, daytime running lights, seat belt use, multi-policy, five-year accident-free, and good student.
• SAFECO discounts include bundle discounts, teen safety rewards, homeowner, safe driver, and anti-lock brakes.

When quoting, ask every company which discounts can lower your rates. Savings might not be offered on policies in your area.

Why smart buyers pay less for Mazda B-Series Pickup insurance

Lots of factors are used when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are less obvious such as your credit history or how financially stable you are.

Shown below are some of the major factors companies use to determine prices.

• Low stress job equals lower prices – Did you know your occupation can influence how much you pay for insurance? Occupations such as real estate brokersair traffic controllers and dentists tend to pay higher premiums than the average policyholder attributed to intense work requirements and extremely grueling work hours. On the flip side, careers such as actors, engineers and retirees generally pay rates lower than average on B-Series pickup insurance.
• GPS tracking and theft deterrents reduce insurance rates – Owning a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent vehicle theft.
• Drive lots and pay more – The higher the mileage driven each year the more you will pay for insurance. Most insurance companies charge rates based upon how you use the vehicle. Cars that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your B-Series Pickup may be costing you higher rates. Make sure your declarations sheet correctly shows how each vehicle is driven.
• Youthful drivers cost more – Youthful drivers are known to be inattentive when behind the wheel so they pay higher insurance rates. Older people have been proven to be more responsible, tend to cause fewer accidents , and are generally more financially stable.

It’s not one size fits all

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine whether your personal situation may require specific advice.

• Is extra glass coverage worth it?
• Do I have newly-aquired coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Are rental cars covered under my policy?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need added coverage for expensive stereo equipment?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my 1996 Mazda B-Series Pickup covered for flood damage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Ads can be misleading

Insurance companies such as State Farm, Allstate and Geico constantly bombard you with ads in print and on television. All the companies try to convey promises that people will save if you just switch your policy. How can each company charge you less for car insurance? Just pay attention to how they say it.

All the different companies have specific characteristics for the type of insured that will add to their bottom line. One example of a profitable insured might have to be between the ages of 40 and 55, has never had a policy lapse, and drives a car with an anti-theft system. A driver who meets those qualifications receive the lowest rate quotes and as a result will probably save when they switch companies.

Insureds who cannot meet those standards may receive a higher premium which usually ends up with the customer buying from someone else. The ads state “drivers who switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can advertise the way they do.

This emphasizes why you should compare rate quotes every year. It is impossible to guess which company will be your best fit.

Insurance coverage breakdown

Knowing the specifics of your insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, a broken windshield, hitting a deer, falling objects and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mazda B-Series Pickup.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses like dental work, chiropractic care, ambulance fees, X-ray expenses and prosthetic devices. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverage

This protects you from damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like emergency aid, repair costs for stationary objects and court costs. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your B-Series Pickup caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Have the Midas touch

Some car insurance companies may not have internet price quotes and most of the time these small insurance companies prefer to sell through independent insurance agencies. Discount 1996 Mazda B-Series Pickup insurance can be sourced on the web as well as from insurance agents, and you should compare rates from both to have the best rate selection.

We’ve covered a lot of tips how to shop for 1996 Mazda B-Series Pickup insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding the cheapest insurance coverage. You may even discover the lowest premium rates come from the smaller companies. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate or State Farm.

For more information, link through to these articles:

• Auto Insurance 101 (About.com)
• Choosing an Insurance Company (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)