Compare 1991 Mazda B-Series Pickup Car Insurance Quotes

Want lower auto insurance rates for your Mazda B-Series Pickup? Have you fallen victim to overpriced auto insurance? Believe me, you’re not alone. Because there are so many online and local companies to choose from, it can be impossible to pick the right car insurance company.

It’s a good habit to compare rates on a regular basis because prices go up and down regularly. Despite the fact that you may have had the best price on B-Series pickup insurance last year there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you’re about to learn how to use online quotes to find the best coverage while lowering your premiums.

These factors can influence what you pay for Mazda B-Series Pickup insurance

Consumers need to have an understanding of some of the elements that play a part in calculating insurance coverage rates. Knowing what influences your rates helps enable you to make changes that could result in big savings.

  • Do you need those extra coverages? – There are quite a few add-on coverages that you can get tricked into buying on your B-Series Pickup policy. Things like vanishing deductibles, accidental death and membership fees may be wasting your money. These coverages may sound good initially, but your needs may have changed so remove them from your policy.
  • Higher deductibles cost less – The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more expense you’re willing to pay, the lower your rates will be on B-Series pickup insurance.
  • Optional equipment can affect rates – Driving a car with an alarm system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Do you know you’re credit rating? – Having a bad credit rating is a important factor in determining what you pay for insurance coverage. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower ratings. If your credit history can use some improvement, you could save money insuring your 1991 Mazda B-Series Pickup by repairing your credit.
  • Always keep insurance in force – Having an insurance coverage lapse is a fast way to increase your insurance coverage rates. And not only will your rates increase, but not being able to provide proof of insurance will get you a license revocation or jail time.

Free Insurance Coverage Quotes

Shopping for lower insurance coverage rates can be exhausting if you aren’t aware of the most efficient way to do it. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many of the larger companies take part in a program where insurance shoppers only type in their quote data once, and each participating company can provide price quotes based on that information. This system prevents you from having to do quote requests to each company.

To submit your quote information now, click here to start a free quote.

The one downside to doing it this way is you cannot specify the insurers you will receive quotes from. If you would rather choose specific insurance companies to compare rates, we put together a list of insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing identical coverage limits and deductibles with each company. If you compare differing limits it will be very difficult to determine the best price for your Mazda B-Series Pickup.

Don’t miss these discounts

Car insurance companies don’t necessarily list every available discount very well, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If you don’t get every credit you qualify for, you are paying more than you should be.

  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on B-Series pickup insurance than drivers with accident claims.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Multi-policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy over the internet.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.

Car insurance companies that may offer these benefits include:

Before buying, ask every prospective company how you can save money. Some discounts may not be available in every state.

When might I need help?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight if you would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • Is a fancy paint job covered?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I drop comprehensive coverage on older vehicles?
  • Do all my vehicles need collision coverage?
  • When should I remove comp and collision on my 1991 Mazda B-Series Pickup?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage options for a 1991 Mazda B-Series Pickup

Understanding the coverages of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most car insurance policies.

Comprehensive car insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a deer, a broken windshield and vandalism. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage pays for damage to your B-Series Pickup resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, crashing into a building, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverage

This coverage protects you from damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as prosthetic devices, pain medications, hospital visits, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Shop smart and save

In this article, we covered many ways to save on 1991 Mazda B-Series Pickup insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a small mutual company. These companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

Budget-conscious insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online price quotes and these smaller companies work with independent agents.

More information is available on the following sites: