1995 Mazda B-Series Pickup Car Insurance Rates – 6 Tips for Cheaper Quotes

Looking for better insurance rates? Shoppers have many options when shopping for low-cost Mazda B-Series Pickup insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to compare rates. There is a right way and a wrong way to compare insurance rates and we’ll show you the best way to get price quotes on a Mazda and obtain the lowest possible price.

Fast and Easy Car Insurance Quotes

Getting a lower price on 1995 Mazda B-Series Pickup insurance doesn’t have to be difficult. You just have to invest a few minutes comparing price quotes from different insurance companies. This can be done using a couple different methods.

The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating separate quotation requests to each individual car insurance company. One quote request gets rate comparisons instantly.It’s the quickest way to get rates.

A slightly less efficient method to find lower rates is spending the time to visit each individual company website to request a price quote. For examples sake, let’s say you want to compare State Farm, Farmers and Progressive. To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method.

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

It’s up to you how you get prices quotes, just ensure you are comparing the exact same information for every quote you compare. If each company quotes different values for each quote it will be very difficult to determine the best price for your Mazda B-Series Pickup.

These six discounts can slash insurance rates

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find ways to save on insurance. If you aren’t receiving every discount available, you are throwing money away.

Club Memberships – Being a member of certain professional organizations may earn a discount when shopping for insurance on B-Series pickup insurance.
Safe Driver Discount – Insureds without accidents may save up to 50% more on B-Series pickup insurance than drivers with accidents.
Driver Safety – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Federal Government Employee – Employees or retirees of the government can save as much as 8% on B-Series pickup insurance with select insurance companies.
Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
Student in College – Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

For a list of insurers with the best insurance discounts, click here to view.

When might I need the advice of an agent?

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

When should I remove comp and collision on my 1995 Mazda B-Series Pickup?
Am I covered by my spouse’s policy after a separation?
Which companies will insure high-risk drivers?
Do I pay less for low miles?
How high should my uninsured/underinsured coverage be in my state?
What is the rate difference between pleasure use and commuting?
Is my 1995 Mazda B-Series Pickup covered for flood damage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, hitting a parking meter, damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

This can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, repair bills for other people’s vehicles, bail bonds and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, fire damage, theft and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda B-Series Pickup.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like rehabilitation expenses, hospital visits, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible