Lower Your 1994 Mazda 323 Insurance Rates

Nobody looks forward to buying car insurance, particularly when the cost is too high. There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, so many choices can make it hard to compare rates.

The purpose of this article is to tell you the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Vehicle owners only need an understanding of the proper way to compare rates online.

Quick Car Insurance Quotes

Most major insurance companies such as State Farm, Allstate and GEICO quote coverage prices on their websites. Getting online rates is fairly simple as you simply type in your required coverages into the quote form. Once entered, the company’s rating system pulls your credit score and driving record and returns a price based on these and other factors. Quoting online streamlines rate comparisons, but having to visit many different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you are searching for better car insurance pricing.

The easiest way to find lower prices utilizes a single form that analyzes rates from more than one company. It saves time, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. Once the form is submitted, it gets priced and you can choose any one of the quotes that you receive.

If a lower price is quoted, you simply finish the application and purchase coverage. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To use this form to compare rates, click here and complete the simple form. If you have your current policy handy, we recommend you copy coverages and limits identical to your current policy. Doing this assures you will have an apples-to-apples comparison for similar coverage.

Your personal situation dictates your coverage

When choosing coverage, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions might point out if your insurance needs may require specific advice.

  • Am I covered if my car is in a flood?
  • What exactly is covered by my policy?
  • How much liability do I need to cover my assets?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my 1994 Mazda 323 need full coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I getting all the discounts available?
  • What companies insure drivers after a DUI or DWI?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Insurance coverage considerations

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Collision – Collision insurance will pay to fix damage to your 323 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, colliding with a tree, hitting a parking meter, rolling your car and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mazda 323.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people. Liability doesn’t 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 limits of 50/100/50 which means 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. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as legal defense fees, emergency aid, loss of income and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses like nursing services, doctor visits, prosthetic devices, dental work and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.