View 1994 Mazda B-Series Pickup Insurance Quotes

Consumers have lots of choices when looking for the lowest priced Mazda B-Series Pickup insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to get rate quotes.

There is a better way to shop for insurance coverage so you’re going to learn the quickest way to quote coverages for a Mazda and locate the lowest possible price from local insurance agents and online providers.

How to Get Auto Insurance

There are several ways to compare Mazda B-Series Pickup auto insurance quotes, but some are easier and takes less work. You can spend countless hours talking to agents in your area, or you can utilize the internet to quickly compare rates.

Many of the larger companies belong to an insurance system that allows shoppers to submit their information once, and every company can provide price quotes determined by their information. This saves time by eliminating quote forms to each company.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is that consumers can’t choose the insurers to receive prices from. So if you prefer to pick individual companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

Whichever method you choose, be sure to compare exactly the same coverage information on every quote you get. If you have differing limits it will be impossible to truly determine the lowest rate.

Discounts on Mazda B-Series Pickup insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically when you get a quote, but some must be specifically requested before being credited. If they aren’t giving you every credit possible, you are throwing money away.

  • Bundle and Save – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums for B-Series pickup coverage.
  • Own a Home – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application online.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for B-Series pickup coverage with select insurance companies.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break when shopping for auto insurance for B-Series pickup coverage.

Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

A partial list of companies that possibly offer some of the above discounts include:

Before buying, ask each company which discounts they offer. Discounts may not apply in every state.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • How high should deductibles be on a 1994 Mazda B-Series Pickup?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What are the best liability limits?
  • What is covered by UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my 1994 Mazda B-Series Pickup is worth?
  • Should I rate my 1994 Mazda B-Series Pickup as pleasure use or commute?
  • Do I need replacement cost coverage?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Mazda B-Series Pickup insurance premiums are calculated by many factors

An important part of buying insurance is that you know some of the elements that come into play when calculating your auto insurance rates. Understanding what influences your rates enables informed choices that could result in big savings.

The list below includes some of the factors auto insurance companies consider when setting premiums.

  • Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and thus lower rates. If your Mazda B-Series Pickup scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • One company can mean more discounts – The majority of auto insurance companies give discounts to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s still a good idea to compare rates to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
  • Women pay lower rates – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Men and women have accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as DWI and reckless driving.
  • Your age impacts your rates – Teen drivers are statistically proven to be less responsible behind the wheel so they pay higher auto insurance rates. Adding a young driver onto a policy can be very expensive. Older drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets such as DUI or reckless driving are required to file a SR-22 with their state DMV in order to keep their license.

How can Geico, State Farm and Progressive save drivers who switch?

Consumers get pounded daily by advertisements for car insurance savings from the likes of Geico, State Farm and Progressive. All the companies make an identical promise that you can save if you change your coverage to them.

How does each company claim to save you money?

All the different companies have a preferred profile for the right customer that is profitable for them. A good example of a driver they prefer could possibly be over the age of 50, a clean driving record, and has a short commute. Any driver that hits that “sweet spot” is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential insureds who are not a match for the “perfect” profile must pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much. That’s why insurance companies can state the savings.

This illustrates why drivers should compare as many rates as you can. You cannot predict which insurance companies will fit your personal profile best.

Car insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as structural damage, bail bonds, court costs and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mazda B-Series Pickup.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays for damage to your B-Series Pickup resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, colliding with a tree, hitting a mailbox, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, falling objects, theft and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

One last thing

You just learned many ideas to compare 1994 Mazda B-Series Pickup insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with the least-expected company.

When shopping online for insurance coverage, do not sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Cheaper insurance is possible from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Additional detailed information is located at these sites: