Compare 1998 Mazda B-Series Pickup Insurance Quotes

Searching for the cheapest car insurance rates for your Mazda B-Series Pickup? Finding lower premiums on car insurance can be a challenge for consumers new to buying insurance online. Consumers have so many choices that it can easily become a challenge to compare prices.

The quickest method to compare insurance rates from multiple companies is to understand most of the larger companies provide online access to compare rate quotes. All you need to do is provide details including your education level, if you require a SR-22, the ages of drivers, and any included safety features. The data is then submitted to all major companies and they return rate quotes instantly.

To check rates for your 1998 Mazda B-Series Pickup, click here and complete the form.

Are insurance coverage companies telling the truth?

Insurance coverage companies such as Allstate and Progressive continually stream ads in print and on television. They all seem to say the same thing about savings after switching to them. How can each company make the same claim?

All companies are able to cherry pick for the right customer that makes them money. For example, a desirable insured might be profiled as between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A customer who meets those qualifications receives the best rates and as a result will probably save when they switch companies.

Consumers who don’t meet this ideal profile will be quoted a more expensive rate and this can result in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently claim big savings. This emphasizes why you should compare as many rates as you can. It’s not possible to predict which insurance coverage company will fit your personal profile best.

These discounts can lower your rates

Companies don’t always advertise all available discounts in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for reduced rates for B-Series pickup coverage.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Homeowners Pay Less – Simply owning a home can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for B-Series pickup coverage with a few insurance coverage companies.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for B-Series pickup coverage than their less cautious counterparts.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks simply for signing online.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies who might offer some of the above discounts are:

Before buying, ask all companies you are considering how you can save money. All car insurance discounts might not apply in every state.

Different people need different coverages

When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • If I drive on a suspended license am I covered?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why am I required to get a high-risk car insurance policy?
  • Why am I required to buy liability insurance?
  • Should I carry comprehensive and collision coverage?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when driving a rental car?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance policy specifics

Learning about specific coverages of your policy aids in choosing which coverages you need 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

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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 carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

This pays for damage to your B-Series Pickup resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, crashing into a building, hitting a mailbox, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

This protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle, falling objects, a broken windshield and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like prosthetic devices, surgery, ambulance fees and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Save for a rainy day

Insureds switch companies for a number of reasons such as delays in paying claims, questionable increases in premium, not issuing a premium refund and high prices. Regardless of your reason, finding the right auto insurance provider can be easy and end up saving you some money.

We just presented a lot of ways to compare 1998 Mazda B-Series Pickup insurance prices online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the best prices are with the smaller companies.

Cost effective insurance is available on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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