Cheap 1997 Mazda B-Series Pickup Car Insurance Rates

Car owners fed up with high insurance quotes and are new to comparing insurance coverage quotes on the internet could find locating low cost insurance to be a formidable task.

How to get insurance coverage quotes

Most larger insurance companies like 21st Century, Allstate and State Farm provide pricing directly from their websites. This process can be done by anyone as you simply type in your personal and coverage information into the quote form. After you submit the form their system automatically retrieves reports for credit and driving violations and returns a price based on the information you submitted.

This streamlines rate comparisons, but the time required to go to several different sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes if you want to get the best price possible.

Online rates the easy way

A quicker way to find cheaper rates uses just one form that gets prices from several companies at one time. It saves time, helps eliminate reptitive entry, and makes rate comparisons much simpler. Immediately after submitting the form, it gets priced and you are able to buy any of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To compare pricing, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you input deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will be getting rate quotes based on identical coverages.

Drivers save money with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available that many consumers don’t even know exist. Some discounts will apply at the time you complete a quote, but some may not be applied and must be requested specifically in order for you to get them.

• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• No Claims – Drivers who stay claim-free can save substantially as opposed to policyholders that have many claims.
• Active Service Discounts – Being on active deployment in the military can result in better auto insurance rates.
• Own a Home – Just owning your own home can help you save on auto insurance since owning and maintaining a home requires a higher level of personal finance.
• Discounts for Good Drivers – Drivers without accidents can save up to 40% or more on their insurance quote on B-Series pickup insurance compared to rates paid by drivers with frequent claims.
• College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Senior Citizen Rates – Older drivers can possibly qualify for better auto insurance rates on B-Series pickup insurance.

You can save money using discounts, but most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you aren’t that lucky.

Popular auto insurance companies and some of the discounts can be found below.

• Progressive offers premium reductions for multi-policy, online quote discount, homeowner, good student, online signing, continuous coverage, and multi-vehicle.
• AAA may have discounts that include pay-in-full, AAA membership discount, multi-policy, anti-theft, multi-car, good student, and education and occupation.
• Farmers Insurance includes discounts for bundle discounts, distant student, switch companies, business and professional, and multi-car.
• Geico offers discounts for defensive driver, anti-lock brakes, multi-vehicle, five-year accident-free, and air bags.
• Esurance may include discounts for online shopper, good driver, emergency road assistance, Pac-12 alumni, online quote, paid-in-full, and safety device.
• SAFECO policyholders can earn discounts including anti-lock brakes, accident prevention training, teen safety rewards, safe driver, teen safe driver, drive less, and homeowner.
• State Farm discounts include student away at school, anti-theft, Drive Safe & Save, good student, and defensive driving training.

It’s a good idea to ask each insurance company how you can save money. A few discounts might not be offered on policies in your area. To see a list of companies that offer the discounts shown above, follow this link.

Special considerations

When choosing coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

• Is my state a no-fault state?
• Am I covered if I wreck a rental car?
• Do I have coverage when pulling a U-Haul trailer?
• Do I benefit by insuring my home with the same company?
• Does my policy cover me when driving someone else’s vehicle?
• Do I really need UM/UIM coverage?
• Should I buy full coverage?
• Will filing a claim cost me more?
• Does my 1997 Mazda B-Series Pickup need full coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Five things that affect your insurance rates

Part of the car insurance buying process is learning the rating factors that help determine your premiums. If you have some idea of what influences your rates, this helps enable you to make changes that may result in big savings. Multiple criteria are used when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but other criteria are less obvious such as your credit history or your vehicle rating.

The itemized list below are some of the things utilized by car insurance companies to help set rates.

• Do men or women drive better? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. The data does not necessarily mean that men are worse drivers. Men and women cause fender benders in similar percentages, but men tend to have more serious accidents. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI).
• Allowing your car insurance policy to lapse raises premiums – Driving without insurance can get you a ticket and your next policy will cost more because you let your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance may result in fines or a revoked license.
• Accidents mean higher costs – Having just one moving violation can boost insurance rates forty percent or more. Careful drivers pay less for auto insurance compared to bad drivers. Drivers with careless violations like reckless driving or DUI may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent a license revocation.
• Big cities mean more claims – Choosing to live in small towns and rural areas may provide you with better prices when shopping for auto insurance. Residents of big cities tend to have more auto accidents and more time behind the wheel. Fewer drivers on the road translates into fewer accidents and a lower car theft rate.
• Small claims can cost you – If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Car insurance companies provide the lowest premiums to drivers who file claims infrequently. Insurance coverage is designed for the large, substantial claims.

Information about specific coverages

Learning about specific coverages of car insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision – Collision insurance pays for damage to your B-Series Pickup caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage kick in for bills for dental work, ambulance fees, rehabilitation expenses and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, rock chips in glass and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability – Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as bail bonds, pain and suffering, loss of income, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Spend less. Save more.

When buying insurance coverage, you should never reduce coverage to reduce premium. In too many instances, someone sacrificed full coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

There are still a few companies who don’t offer online price quotes and usually these regional carriers prefer to sell through local independent agents. More affordable auto insurance can be purchased both online in addition to local insurance agencies, so you need to compare both in order to have the best price selection to choose from.

Throughout this article, we presented some good ideas how to get a better price on 1997 Mazda B-Series Pickup insurance. The most important thing to understand is the more companies you get car insurance rates for, the higher your chance of finding the cheapest insurance. Consumers could even find that the lowest rates are with a small local company.

To read more, link through to the resources below:

• Credit and Insurance Scores (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Keeping Children Safe in Crashes Video (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)