Cheaper 1996 Mazda Protege Insurance Quotes

Consumers have a choice when looking for the lowest priced Mazda Protege insurance. They can either spend hours driving around getting price quotes or use the internet to get rate quotes. There is a better way to buy car insurance so you’re going to learn the absolute fastest way to price shop coverage for a Mazda and find the lowest price from local insurance agents and online providers.

Don’t pay full price with these discounts

Auto insurance companies don’t list every discount very clearly, so we researched both the well known as well as the least known ways to save on insurance coverage. If you’re not getting every credit you deserve, you are throwing money away.

  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Resident Student – Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Protege coverage with select insurance companies.
  • Driver Safety – Completing a course in driver safety can save you 5% or more if your company offers it.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Homeowners Discount – Owning a house may earn you a small savings because owning a home requires personal responsibility.

Consumers should know that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of providers who offer insurance coverage discounts, click this link.

Cheap Insurance Comparisons

There are a lot of ways you can shop for insurance and some are easier and takes less work. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use the web to maximize your effort.

The majority of car insurance companies belong to a marketplace that allows shoppers to submit one quote, and each participating company returns a competitive quote for coverage. This prevents consumers from doing quote requests to every company.

To use this form to compare 1996 Mazda Protege insurance rates click to open in new window.

The single downside to comparing rates this way is that consumers can’t choose the providers to get quotes from. If you prefer to choose specific providers to request quotes from, we have assembled a list of companies who write insurance in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use identical quote information on every quote. If you have higher or lower deductibles it will be impossible to truly determine the lowest rate.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions might point out if your situation might need professional guidance.

  • What are the financial responsibility laws in my state?
  • Am I covered if I hit a deer?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How high should my medical payments coverage be?
  • Do all my vehicles need collision coverage?
  • Should I have a commercial auto policy?
  • Is extra glass coverage worth it?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance coverage options for a 1996 Mazda Protege

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for immediate expenses like chiropractic care, nursing services, funeral costs and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability auto insurance – This protects you from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, medical services, loss of income, medical expenses and structural damage. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive insurance – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, fire damage, theft, hitting a bird and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, crashing into a ditch, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1996 Mazda Protege.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Shop smart and save

Affordable 1996 Mazda Protege insurance can be bought both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

Consumers who switch companies do it for many reasons like questionable increases in premium, lack of trust in their agent, delays in paying claims and an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to find out that it was a big mistake. The ultimate goal is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Much more information about car insurance can be found below: