How Much Does 1997 Mazda B-Series Pickup Insurance Cost?

Want lower car insurance rates for your Mazda B-Series Pickup? Confused by the dozens of car insurance choices? Many other drivers are as well. People have so many companies to choose from that it can quickly become a challenge to find the lowest price.

It is always a good idea to check car insurance prices periodically since rates are rarely the same from one policy term to another. If you had the best price for B-Series pickup coverage a couple years back other companies may now be cheaper. There is a lot of bad information regarding car insurance on the internet, so with this article, you’re going to get some guaranteed methods to stop overpaying for insurance.

Finding affordable coverage is easy if you know what you’re doing. Just about every vehicle owner who is required by state law to have car insurance will more than likely be able to save money. Nevertheless, consumers must know how insurance companies sell insurance online and take advantage of how the system works.

Insurance Prices

When shopping for insurance there are multiple ways to compare rate quotes from insurance companies in your area. The recommended way to find the lowest 1997 Mazda B-Series Pickup rates consists of shopping online. This can be accomplished in a couple of different ways.

1. The first (and easiest) way to get quotes is a comparison rater form click to view form in new window. This easy form eliminates the need for separate quote forms for each company you want a rate for. Filling out one form gets you coverage quotes from multiple companies. This is perfect if you don’t have a lot of time.
2. A more time consuming way to get quotes online is going to each company website to complete their respective quote request forms. For sake of this example, let’s say you want to compare rates from Geico, State Farm and Travelers. To get each rate you have to go to every website and enter your policy data, and that’s why the first method is more popular.

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

Which method you use is up to you, but make sure you use apples-to-apples coverages and limits for every quote you compare. If you have different values for each quote it will be very difficult to make an equal comparison. Having just a slight variation in coverage limits could mean much higher rates. And when comparison shopping, more quotes gives you a better chance of getting the best offered rates.

Don’t overlook these discounts

Companies that sell car insurance don’t list all available discounts very clearly, so we break down some of the more common as well as the least known insurance coverage savings.

• Senior Citizens – Older drivers may qualify for a small decrease in premiums for B-Series pickup coverage.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
• Discount for Life Insurance – Some companies give a break if you buy life insurance from them.
• One Accident Forgiven – A few companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
• Lower Rates for Military – Being deployed with a military unit could mean lower rates.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Student Driver Training – Require your teen driver to take driver’s ed class in high school.
• Accident Free – Claim-free drivers pay less when compared to frequent claim filers.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurers who offer insurance coverage discounts, click here.

Is my situation unique?

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help highlight if your situation might need professional guidance.

• I have health insurance so do I need medical payments coverage?
• Am I covered by my spouse’s policy after a separation?
• How high should my medical payments coverage be?
• Does coverage extend to my business vehicle?
• Am I covered if I hit a deer?
• Does having multiple vehicles earn me a discount?
• Do I really need UM/UIM coverage?
• Do I need to file an SR-22 for a DUI in my state?
• Can I rate high risk drivers on liability-only vehicles?
• Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda B-Series Pickup.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hitting a deer and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

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

Collision coverage pays for claims such as rolling your car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like funeral costs, chiropractic care, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability

Liability coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see 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 coverage protects against claims like medical services, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.