1997 Mazda Millenia Car Insurance Quotes – 8 Tips for Cheaper Rates

Searching for lower car insurance rates for your Mazda Millenia? Have you fallen victim to an underperforming, overpriced car insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse. Since drivers have many options when it comes to car insurance, it’s difficult to choose the best insurance company.

It’s a great practice to shop coverage around once or twice a year since prices tend to go up over time. If you had the lowest rates for Millenia coverage at your last renewal other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out one of the easiest ways to find the best coverage while lowering your premiums.

The quickest way to compare car insurance rates is to know most of the bigger providers have advanced systems to compare rate quotes. To get started, all you need to do is take a few minutes to give details like deductibles desired, how much you drive, what your job is, and whether you are married. The rating information is then submitted to insurance carriers in your area and they provide comparison quotes with very little delay.

Save a ton with these eight discounts

The price of auto insurance can be rather high, but you may qualify for discounts that many consumers don’t even know exist. Certain credits will be shown when you purchase, but some may not be applied and must be specifically requested before they will apply.

• Discount for Low Mileage – Maintaining low annual mileage could qualify for substantially lower premium rates.
• Bundled Policy Discount – When you have multiple policies and place coverage with the same company you could save up to 20% off your total premium.
• ABS Brakes – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
• Save with a New Car – Putting coverage on a new car may earn a small discount since newer models are generally safer.
• Pay Early and Save – By making one initial payment rather than spreading payments over time you can avoid the installment charge.
• Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower premium rate if you buy auto and life insurance together.
• Onboard Data Collection – Drivers that enable driving data collection to monitor when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot might get better premium rates if they are good drivers.
• Discount for Good Grades – Being a good student may save as much as 25% on a insurance coverage quote. The good student discount can last well after school through age 25.

Drivers should understand that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and their possible discounts can be found below.

• Geico policyholders can earn discounts including anti-lock brakes, federal employee, good student, five-year accident-free, and driver training.
• SAFECO offers discounts for anti-theft, accident prevention training, anti-lock brakes, bundle discounts, safe driver, teen safe driver, and drive less.
• State Farm discounts include good driver, passive restraint, driver’s education, defensive driving training, anti-theft, and student away at school.
• MetLife offers discounts including defensive driver, good student, good driver, claim-free, and multi-policy.
• 21st Century may have discounts that include homeowners, defensive driver, anti-lock brakes, good student, and 55 and older.
• Progressive offers premium reductions for continuous coverage, multi-policy, good student, online quote discount, multi-vehicle, and homeowner.

Before purchasing a policy, check with each company or agent to apply every possible discount. Some discounts may not apply in your state.

Car insurance can be complex

When choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

• How does medical payments coverage work?
• Should I file a claim if it’s only slightly more than my deductible?
• What is high-risk coverage and where do I buy it?
• Why is insurance for a teen driver so high?
• Where can I find high-risk insurance?
• When should my teen driver be added to my policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I have any recourse if my insurance company denies a claim?
• I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance policy specifics

Knowing the specifics of auto insurance can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average auto insurance policy.

Collision coverage protection

Collision insurance pays for damage to your Millenia resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, scraping a guard rail, hitting a mailbox, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, medical expenses, attorney fees, repair costs for stationary objects and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like EMT expenses, funeral costs, rehabilitation expenses, chiropractic care and surgery. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.