Tired of being strong-armed to buy car insurance? You are no different than many other drivers. Big companies like Progressive, State Farm and GEICO all promote huge savings with ad campaigns and it is difficult to ignore the flashy ads and find the best price available.
If you are insured now or are shopping for new coverage, you can use this information to cut your premiums and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to understand the tricks to compare company rates online.
How to Get Cheap Auto Insurance
Finding a better price on auto insurance can be quick and easy. All you need to do is invest a little time to compare rate quotes from different insurance companies. This can be accomplished in several different ways.
- Probably the best way to get quotes would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing boring form submissions for each company. A single, simple form will get you rate comparisons from auto insurance companies with the best prices.
- A harder way to get quotes online requires visiting the website of each company to request a price quote. For instance, we’ll assume you want to compare rates from Allstate, State Farm and Liberty Mutual. You would have to go to every website and enter your policy data, which is why the first method is more popular.
To view a list of companies in your area, click here.
Whichever method you choose, be sure to compare the exact same information with every price quote. If you have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.
These discounts can slash auto insurance rates
Companies offering auto insurance don’t always publicize every available discount very well, so we researched both the well known as well as the least known ways to save on auto insurance. If you don’t get every credit you qualify for, you are throwing money away.
- Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.
- Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for B2500 pickup coverage than less cautious drivers.
- Homeowners Savings – Simply owning a home may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
- Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
- Early Switch Discount – Some insurance companies reward drivers for switching policies before your current policy expires. It’s a savings of about 10%.
As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.
To choose insurance companies with discount auto insurance rates, click this link.
Mazda B2500 Pickup rates are complex
An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with big savings.
- Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, business owners and accountants have higher rates than average because of high stress and long work hours. On the flip side, occupations such as pilots, athletes and homemakers get better rates for B2500 pickup coverage.
- No coverage gaps is important – Allowing your auto insurance policy to lapse is a sure-fire way to bump up your auto insurance costs. Not only will rates go up, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state motor vehicle department.
- Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you. If your Mazda B2500 Pickup scored better than four stars on Safercar.gov you may qualify for a discount.
- Do you need the policy add-ons? – There are many extra coverages that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and motor club memberships are some examples. They may seem good at first, but if you don’t need them get rid of them and save.
- What type of vehicle do you drive? – The performance level of the vehicle you drive makes a significant difference in your rates. Due to the fact that the Mazda B2500 Pickup falls in the pickup truck class, insuring your vehicle will cost similar in price when compared to the average rates. Small economy passenger models generally receive the lowest base rates, but other factors influence the final cost greatly.
- Protect your assets with liability insurance – Liability coverage provides coverage in the event that you are found to be at fault for damages caused by your negligence. Liability provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Beware of misleading auto insurance ads
Consumers can’t ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the ads have a common claim about savings after switching to their company.
How can each company make almost identical claims? It’s all in the numbers.
Insurance companies are able to cherry pick for the driver that makes them money. For example, a driver they prefer could possibly be between 30 and 50, a clean driving record, and has excellent credit. A propective insured who meets those qualifications is entitled to the best price and most likely will save when they switch companies.
Drivers who don’t meet these standards will have to pay a higher premium and this can result in the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can claim big savings. Because of the profiling, you absolutely need to get quotes from several different companies. You cannot predict which auto insurance company will provide you with the cheapest rates.
Better coverage you can count on
We covered a lot of techniques to shop for Mazda B2500 Pickup insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the biggest savings come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.
Discount Mazda B2500 Pickup insurance is available on the web as well as from independent agents, and you should be comparing both to have the best rate selection. A few companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.
When you buy insurance online, do not skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed physical damage coverage and discovered at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
