1993 Mazda MX-3 Insurance Quotes – 8 Discounts for Cheaper Rates

Are you tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Multiple auto insurance companies compete for your business, so it can be very hard to choose a insurance company and uncover the absolute best rates possible.

It’s a good idea to get comparison quotes at least once a year since insurance rates are usually higher with each renewal. Even if you got the best rates on MX-3 coverage two years ago you will most likely find a better rate today. Starting now, ignore everything you know about insurance coverage because you’re going to get a crash course in how to quote online to remove unneeded coverages and save money.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Buying car insurance is not that difficult. Although drivers can benefit from knowing the way companies sell online.

Don’t overlook these eight discounts

Insurance can be prohibitively expensive, but you may find discounts that many people don’t even know exist. Certain discounts will be applied when you complete an application, but less common discounts must be specially asked for before you will receive the discount.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on MX-3 coverage with certain companies.
  • Organization Discounts – Affiliation with a qualifying organization may earn a discount on your policy on MX-3 coverage.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
  • Homeowners Discount – Owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will bring down your premiums.

Car insurance companies that may have these money-saving discounts include:

Before buying, ask all companies you are considering how you can save money. Savings might not be offered in every state.

How to Lower Your Auto Insurance Cost

The are a couple different ways to get quotes from auto insurance companies in your area. By far the easiest way to find the cheapest 1993 Mazda MX-3 insurance rates is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This form eliminates the need for separate quote forms to each individual auto insurance company. One form compares rates instantly.
  2. A more time consuming way to obtain and compare quotes online requires a visit to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll assume you want rates from Farmers, Allstate and GMAC. To get each rate you have to visit each site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make absolute certain that you use the exact same coverage information for each comparison quote. If each company quotes differing limits it will be next to impossible to make a fair comparison for your Mazda MX-3. Having just a slight variation in coverage limits may result in large price differences. Keep in mind that obtaining a wide range of quotes helps you find lower pricing.

Is my situation unique?

When buying the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • What exactly is covered by my policy?
  • Where can I get insurance after a DUI in my state?
  • Can my teen drive my company car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Why is insurance for a teen driver so high?
  • Should I carry comprehensive and collision coverage?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by auto insurance companies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills like dental work, pain medications, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from flooding and theft. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision coverage covers damage to your MX-3 caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mazda MX-3.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Liability car insurance – This can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as pain and suffering, court costs and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Quote more. Save more.

Affordable 1993 Mazda MX-3 insurance is definitely available both online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate.

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