1993 Mazda B-Series Pickup Car Insurance Quotes

Trying to find low cost insurance coverage could be frustrating for beginners to online price comparisons. With so many companies competing online, it can quickly become a big hassle to compare prices.

The best way we recommend to get policy rate comparisons is to take advantage of the fact auto insurance companies provide online access to compare their rates. The only thing you need to do is give the companies some data including which vehicles you own, distance driven, how much education you have, and types of safety features. That rating data is then submitted to multiple different insurance companies and you should receive rate quotes immediately.

To compare multiple company rates now, click here and complete the form.

Insurance is unique, just like you

When buying coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you may require specific advice.

• What is high-risk coverage and where do I buy it?
• Do I need medical payments coverage since I have good health insurance?
• Can I still get insurance after a DUI?
• Does my car insurance cover rental cars?
• Is my teenager covered with friends in the car?
• Am I covered by my spouse’s policy after a separation?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does my policy pay for OEM or aftermarket parts?
• Should I rate my 1993 Mazda B-Series Pickup as pleasure use or commute?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision protection

This covers damage to your B-Series Pickup resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers 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. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills such as hospital visits, nursing services, chiropractic care and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, hitting a deer, damage from a tornado or hurricane, a broken windshield and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.