1990 Mazda RX-7 Insurance Rates – 8 Tips to Save

Trying to find the cheapest insurance for a Mazda RX-7 could be an all-consuming task, but you can follow our auto insurance buying tips to save time. There is a right way and a wrong way to find auto insurance online and you need to know the absolute fastest way to price shop coverage for your Mazda and get the lowest price.

It’s important to shop coverage around on a regular basis because rates are usually higher with each renewal. Just because you had the best price for RX-7 coverage on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to learn how to use the internet to properly buy coverages while reducing your premium.

If you have a current insurance coverage policy or need new coverage, you can follow these tips to get lower rates and still get good coverage. Shopping for the lowest cost coverage is not that difficult. Consumers only need to know how to get comparison quotes online.

Comprehensive Insurance Comparison

Cutting your insurance rates can be surprisingly simple. The only requirement is to take a couple of minutes comparing rates online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The best way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quotation requests to each individual insurance company. One form submission will return price quotes from multiple companies.It’s the quickest way to get rates.
  2. A slightly less efficient method to compare prices is to manually visit the website of each company and complete a new quote form. For example, we’ll pretend you want to compare Allstate, Farmers and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same coverage information on every quote you get. If you are comparing different deductibles you will not be able to find the best deal for your Mazda RX-7.

Discounts on Mazda RX-7 insurance

Car insurance companies don’t list every discount very clearly, so here is a list some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% for RX-7 coverage.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Organization Discounts – Belonging to a qualifying organization could trigger savings when shopping for insurance coverage for RX-7 coverage.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Seat Belts Save – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.

It’s important to understand that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of providers offering insurance coverage discounts, click this link.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether you might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is the ISO rating for a 1990 Mazda RX-7?
  • Is upholstery damage covered by car insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are my friends covered when driving my car?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a 1990 Mazda RX-7

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage will pay to fix damage to your RX-7 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, driving through your garage door, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. 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 policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as structural damage, loss of income, repair costs for stationary objects, medical services and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries 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. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as X-ray expenses, chiropractic care and surgery. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a tree branch falling on your vehicle, hail damage and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Compare but don’t skimp

When you buy insurance online, do not buy poor coverage just to save money. In too many instances, an accident victim reduced full coverage only to regret that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

People who switch companies do it for many reasons like denial of a claim, delays in paying claims, policy cancellation or questionable increases in premium. Regardless of your reason, choosing a new insurance company can be pretty painless.

We covered many ways to reduce 1990 Mazda RX-7 insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Much more information about auto insurance is located on the following sites: