1998 Mazda B-Series Pickup Car Insurance Quotes

Expensive insurance coverage can empty your savings account and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances. You have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it can be more difficult to get the best deal.

Consumers should take time to check insurance coverage prices occasionally because prices are adjusted regularly by insurance companies. Just because you found the best deal on B-Series pickup insurance six months ago a different company probably has better rates today. There is a lot of wrong information about insurance coverage online but by reading this article, you’re going to learn some good information on how to reduce your insurance coverage bill.

Finding the best rates is not rocket science. If you have insurance now or need a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Consumers just need to know the best way to buy car insurance on the web.

Mazda B-Series Pickup premiums are determined by many factors

Smart consumers have a good feel for the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in better auto insurance rates.

  • Tickets mean higher rates – Your driving record has a big impact on rates. Drivers who don’t get tickets get better rates than their less careful counterparts. Even a single speeding ticket can bump up the cost forty percent or more. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Do you need those extra coverages? – There are many add-on coverages you can purchase if you aren’t careful. Coverages for vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don’t need them eliminate them to save money.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Mazda B-Series Pickup has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • High numbers of claims are not good – If you frequently file small claims, you can pretty much guarantee higher rates. Companies provide lower rates to drivers who do not file claims often. Insurance coverage is intended for the large, substantial claims.
  • Clean credit earns discounts – Your credit history is a important factor in determining your rates. If your credit score is not that good, you could pay less to insure your 1998 Mazda B-Series Pickup by repairing your credit. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores.
  • Your auto insurance rates can be influenced by your job – Occupations such as doctors, social workers and accountants tend to pay higher rates than average attributed to job stress and lots of time spent at work. On the flip side, occupations such as pilots, athletes and the unemployed have the lowest average rates on B-Series pickup insurance.
  • Low deductibles can be expensive – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Mazda from damage. A few examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. Physical damage deductibles are the amount of money you are required to spend in the event of a claim. The higher the amount you have to pay, the less your company will charge you for insurance on B-Series pickup insurance.

Automobile Insurance Quotes

Finding a lower price on 1998 Mazda B-Series Pickup insurance can be quick and easy. Consumers just need to take time getting comparison quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The recommended way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quote forms for each company you want a rate for. Taking the time to complete one form gets you coverage quotes from many national carriers.
  2. Another way to find lower rates requires you to visit the website for each individual company to request a price quote. For example, let’s assume you want to compare rates from Liberty Mutual, Progressive and American Family. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method of getting rate comparisons is to spend time driving to insurance agents’ offices. Shopping for insurance coverage online can eliminate the need for a local agent unless you prefer the trained guidance that only a license agent can provide. You can, however, price shop your coverage online and still use a local agent and we’ll cover that in a bit.

However you get your quotes, ensure you’re using exactly the same coverage information with each company. If your comparisons have different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Mazda B-Series Pickup.

Don’t believe everything you hear

Drivers can’t ignore all the ads that promise big savings by State Farm, GEICO and Progressive. They all seem to have a common claim that you can save if you move to their company.

How does each company say the same thing?

All companies are able to cherry pick for the type of customer that is profitable for them. A good example of a preferred risk could be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don’t measure up to this ideal profile must pay higher premiums and ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that kind of money. That’s the way companies can state the savings. This illustrates why you should get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

These discounts can slash auto insurance rates

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so we break down some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Accident Forgiveness – Certain companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

To see a list of insurance companies with discount auto insurance rates, click this link.

When might I need the advice of an agent?

When buying the best auto insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when using my vehicle for business?
  • Is my state a no-fault state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I crash into my own garage door?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Learn about auto insurance coverages for a 1998 Mazda B-Series Pickup

Learning about specific coverages of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.


Liability insurance can cover damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like attorney fees, medical services, bail bonds and medical expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mazda B-Series Pickup.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, hail damage and vandalism. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your B-Series Pickup resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as funeral costs, prosthetic devices, nursing services and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Feed the piggy bank

You just learned quite a bit of information on how to shop for 1998 Mazda B-Series Pickup insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from the least-expected company. These smaller insurers often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

Discount insurance is possible from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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