2001 Mazda 626 Car Insurance Cost

Searching for cheaper insurance rates for your Mazda 626? Nobody looks forward to paying for insurance, in particular when they are paying too much.

Numerous auto insurance companies battle for your business, so it can be very hard to choose a company to discover the definitive lowest rate possible.

It’s a great practice to price shop coverage every six months since rates change regularly. Just because you had the lowest price on 626 insurance a few years ago a different company probably has better rates today. So just ignore everything you know about insurance because I’m going to teach you one of the quickest ways to reduce your cost while increasing coverage.

The quickest way to compare rates takes advantage of the fact most of the bigger providers pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is spend a couple of minutes providing details like if you have an active license, if you require a SR-22, your job, and the make and model of your vehicles. The rating information is automatically sent to multiple top-rated companies and they return cost estimate very quickly.

Pay less for Mazda 626 insurance

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Most are applied when you complete an application, but some may not be applied and must be manually applied prior to getting the savings.

• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
• Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on 626 insurance with certain companies.
• Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
• Multi-policy Discount – If you have multiple policies with the same company you will save up to 20% off your total premium.
• Homeowners Discount – Owning a house may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will cut your overall premium however.

For a list of insurers who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

• Is my babysitter covered when using my vehicle?
• Does my personal policy cover me when driving out-of-state?
• Does my car insurance cover rental cars?
• Does my 2001 Mazda 626 need full coverage?
• What discounts do I qualify for?
• What is the ISO rating for a 2001 Mazda 626?
• Does car insurance cover theft of personal property?
• Should I buy full coverage?
• How high should deductibles be on a 2001 Mazda 626?
• Is upholstery damage covered by car insurance?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage options for a Mazda 626

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.

Auto collision coverage

This coverage pays for damage to your 626 resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people, and 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. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, funeral expenses, medical services, court costs and emergency aid. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like surgery, hospital visits, EMT expenses, prosthetic devices and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. 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 hitting a bird, hitting a deer, hail damage and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.