1991 Mazda MPV Insurance Rates

Are you overwhelmed by the crazy number of insurance coverage choices? You’re not alone. There are so many options that it can be a real challenge to locate the lowest price.

Don’t overlook these discounts

Car insurance companies don’t always list every available discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known discounts you could be receiving.

  • Senior Discount – Older drivers may receive a small decrease in premiums for MPV coverage.
  • Life Insurance – Some companies give better rates if you take out life insurance from them.
  • College Student – Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • No Claims – Claim-free drivers pay much less as compared to drivers who are more careless.
  • Own a Home – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for MPV coverage than less cautious drivers.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.

It’s important to understand that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurance companies offering insurance coverage discounts, click here.

Is my situation unique?

When buying the best insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Is my cargo covered for damage or theft?
  • Should I waive the damage coverage when renting a car?
  • What is the ISO rating for a 1991 Mazda MPV?
  • What can I do if my company won’t pay a claim?
  • When should my teen driver be added to my policy?
  • Does insurance cover damages from a DUI accident?
  • Are my friends covered when driving my car?
  • Can I afford to buy a different vehicle if my 1991 Mazda MPV is totaled?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form.

Ads can be misleading

State Farm, Geico and Progressive constantly bombard you with ads in print and on television. All the companies make an identical promise that you’ll save big if you switch your policy. How can each company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer might be over the age of 50, a clean driving record, and drives newer vehicles. Any driver who meets those qualifications will get very good rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t qualify for the requirements will be quoted higher premiums and ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much money. That is how insurance companies can confidently state the savings. This emphasizes why it’s extremely important to get quotes from several different companies. You cannot predict which car insurance company will provide you with the cheapest Mazda MPV insurance rates.

Detailed coverages of your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mazda MPV.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills for EMT expenses, hospital visits, surgery and doctor visits. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for liability – This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as court costs, bail bonds and medical services. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance will pay to fix 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 theft, damage from getting keyed, damage from flooding and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays for damage to your MPV resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, crashing into a ditch, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Never pay more for less

Low-cost 1991 Mazda MPV insurance can be bought from both online companies in addition to many insurance agents, so compare prices from both to have the best selection. Some companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. In many instances, drivers have reduced physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Insureds change insurance companies for many reasons like not issuing a premium refund, questionable increases in premium, delays in responding to claim requests and even policy cancellation. Regardless of your reason, finding a new insurance company is not as difficult as it may seem.

Additional insurance information can be found below: