8 Tricks to Save on Mazda B2500 Pickup Insurance

Are you kicking yourself for buying an expensive auto insurance policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out. Big-name insurance companies like Progressive, State Farm and GEICO continually hit you with catchy ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

You should make it a habit to compare prices occasionally because insurance prices change frequently. Even if you got the lowest price for B2500 pickup coverage on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the best ways to lower your annual insurance bill.

There are a lot of ways to compare auto insurance quotes, but one way is easier and takes less work. You could spend the better part of a day discussing policy coverages with agents in your area, or you can utilize online quoting to achieve your goal.

Many companies participate in a marketplace where insurance shoppers submit one quote, and every company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of system is you can’t choose which carriers to get pricing from. If you wish to select specific insurance companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just ensure you’re using nearly identical coverages on every quote. If you compare different data you will not be able to decipher which rate is best.

Get cheaper auto insurance rates with discounts

Auto insurance is not inexpensive, but there could be significant discounts to help bring down the price. Most are applied when you purchase, but some need to be manually applied before being credited. If they aren’t giving you every credit available, you could be getting lower rates.

Discounts for Multiple Vehicles – Drivers who insure multiple cars on a single policy can reduce rates for all insured vehicles.
Switch and Save Discount – Some insurance companies give discounts for buying a new policy prior to your current policy expiration. You could save around 10% when you .
Active Service Discounts – Having an actively deployed family member could be rewarded with lower prices.
Discount for Good Grades – Being a good student can save 20 to 25%. The discount lasts well after school through age 25.
Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
Savings for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount compared to insuring an older model.
Onboard Data Collection – Policyholders that allow companies to track vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
Accident Waiver – Not really a discount, but some companies like State Farm and Progressive may permit one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.

A little note about advertised discounts, most discounts do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies and a summarized list of policyholder discounts are detailed below.

GEICO may include discounts for seat belt use, multi-vehicle, membership and employees, emergency military deployment, federal employee, and military active duty.
Mercury Insurance may offer discounts for low natural disaster claims, annual mileage, type of vehicle, ease of repair, good driver, and anti-theft.
Farmers Insurance includes discounts for pay in full, mature driver, bundle discounts, alternative fuel, and distant student.
Auto-Owners Insurance offers discounts for anti-theft, paperless, safe driver, multi-policy, paid in full, and group or association.
Liberty Mutual discounts include exclusive group savings, new graduate, newly retired, safety features, and good student.
SAFECO offers discounts including bundle discounts, accident prevention training, homeowner, anti-lock brakes, multi-car, and teen safety rewards.
Progressive has discounts for online quote discount, continuous coverage, multi-vehicle, online signing, and good student.
USAA has savings for defensive driver, annual mileage, safe driver, new vehicle, military installation, multi-policy, and family discount.

If you are trying to find , ask each insurance company which discounts you qualify for. Some discounts listed above may not apply to policyholders in your area.

You may need help from an insurance agency

Many people still like to visit with an insurance agent and doing that can be a smart decision Professional agents can help you choose the best coverages and help in the event of a claim. One of the great benefits of comparing insurance prices online is you can get better rates and still choose a local agent. Putting coverage with neighborhood agents is still important in small communities.

To help locate an agent, after submitting this short form, the coverage information is instantly submitted to companies who will return price quotes for your insurance coverage. There is no need to leave your computer because quoted prices will be sent to the email address you provide. If you want to compare rates for a specific company, you can always go to their quote page to submit a rate quote request.

If you would like to find a reliable insurance agent, it can be helpful to understand the different types of agencies that you can choose from. Auto insurance agents are either independent agents or captive agents depending on their employer. Both can insure your vehicles, but it’s worth learning the differences because it may have an impact on the selection process.

Independent Agents (or Brokers)

Agents that elect to be independent can sell policies from many different companies and that allows them to write policies with a variety of different insurance companies depending on which coverage is best. If prices rise, they simply move the coverage in-house and you can keep the same agent. When comparison shopping, you definitely need to include rate quotes from at a minimum one independent agency to get the best comparison.

Captive Auto Insurance Agencies

Captive agencies can only provide pricing for a single company like AAA, Allstate, and State Farm. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive insurance agents are well schooled on their products and sales techniques and that allows them to sell at a higher price point.

To choose from agencies near you, click for a directory of auto insurance agencies near you.

Finding the right insurance agent is decision based upon more than just the price. Here are some questions you should ask.

Is their price quote a firm figure or are their hidden costs?
Do they review policy coverages at every renewal?
What insurance company do they write the most business with?
Is working in the agency their full-time job?
Are all drivers listed on the coverage quote?
In the event of vehicle damage, can you pick the collision repair facility?
Do clients work directly with the agent or are most inquiries handled by a CSR?

After receiving good answers for all questions you ask and a low price estimate, chances are good that you have found a car insurance agent that can be trusted to adequately provide auto insurance.

Will just any policy work for me?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might help in determining whether you might need professional guidance.

If my Mazda B2500 Pickup is totaled, can I afford another vehicle?
Is there coverage for injuries to my pets?
Does my Mazda B2500 Pickup qualify for pleasure use?
When do I need to add a new car to my policy?
Do I have coverage when making deliveries for my home business?
Am I covered if I crash into my own garage door?
How much underlying liability do I need for an umbrella policy?
Why am I required to buy high-risk coverage?
Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Educate yourself about auto insurance coverages

Knowing the specifics of auto insurance helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Auto liability insurance

Liability insurance will cover damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, pain and suffering, funeral expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for chiropractic care, dental work, doctor visits and surgery. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage covers damage to your B2500 Pickup caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, damaging your car on a curb, crashing into a building, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, vandalism, damage from getting keyed, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In Summary

We just covered a lot of techniques to get a better price on Mazda B2500 Pickup insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from some of the lesser-known companies. Smaller companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There have been many situations where an accident victim reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best price but still have enough coverage for asset protection.