Compare 1993 Mazda Protege Insurance Rates

Having to pay for overpriced car insurance can empty your personal savings and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

Big companies like Progressive, State Farm and GEICO constantly bombard you with ads and it can be hard to avoid their marketing magic and find the best price available.

If you currently have car insurance, you should be able to cut costs considerably using these methods. Choosing the best insurance company for you is not that difficult. But consumers do need to learn the way insurance companies sell online and take advantage of how the system works.

Mazda Protege rates influenced by many factors

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in big savings.

  • Pay less after the wedding – Being married can actually save you money when buying auto insurance. Marriage usually means you are more mature and responsible and it’s proven that married couples file fewer claims.
  • Don’t cancel a policy without a new one in place – Allowing your auto insurance policy to lapse is a guaranteed way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Car features impact rates – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Big city or small town – Choosing to live in small towns and rural areas can be a good thing when insuring your vehicles. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas regularly have much more traffic to deal with and longer commute times. Higher commute times can result in more accidents.

Pay less for 1993 Mazda Protege insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but a few must be asked about before they will apply.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Protege coverage than less cautious drivers.
  • Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more depending on where you live.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Discount for Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
  • Own a Home – Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates on Protege coverage.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down your overall premium however.

To see a list of companies who offer auto insurance discounts, click here to view.

Don’t believe everything you hear

Car insurance companies such as State Farm and Allstate consistently run ads on television and other media. They all seem to make an identical promise that you can save if you change your coverage to them. How do they all make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the type of driver they prefer to insure. For instance, a profitable customer could possibly be between the ages of 40 and 55, a clean driving record, and has excellent credit. A propective insured who matches those parameters gets the lowest rates and as a result will probably cut their rates substantially.

Consumers who don’t qualify for the requirements must pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save money. That is how companies can truthfully make the claims of big savings.

This illustrates why drivers should get quotes from several different companies. It is impossible to predict which company will provide you with the cheapest Mazda Protege insurance rates.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining if your situation might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • How much can I save by bundling my policies?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered if I hit a deer?
  • Should I have a commercial auto policy?
  • Do I need special endorsements for business use of my vehicle?
  • Is my ex-spouse still covered by my policy?
  • Why is insurance for a teen driver so high?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses like chiropractic care, doctor visits and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mazda Protege.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, court costs, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, driving through your garage door, hitting a parking meter, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverages

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

Comprehensive insurance covers claims like theft, hail damage, fire damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Cheaper 1993 Mazda Protege insurance is definitely available both online in addition to many insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

We just presented a lot of information how to get a better price on insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

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