Compare 2003 Mazda Protege Insurance Quotes

Trying to find better auto insurance rates? Buyers have options when searching for low-cost Mazda Protege insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to compare rates.

There is a better way to buy auto insurance so we’re going to tell you the best way to get price quotes on a Mazda and get the lowest possible price from local insurance agents and online providers.

Free Insurance Quotes

There are a lot of ways to compare insurance quotes, but some are easier and takes less work. You can waste a lot of time talking to local insurance agents in your area, or you can stay home and use the internet for quick rates.

Many popular insurance companies participate in a marketplace where insurance shoppers send in one quote, and every company then returns a price quote based on the submitted data. This system prevents you from having to do quote requests to each individual insurance company.

To enter your information into the quoting system, click here to start a free quote.

One minor caviat to doing it this way is that consumers can’t choose the insurers you will receive quotes from. So if you want to select from a list of companies for rate comparison, we have assembled a list of insurance companies in your area. Click here to view list.

However you get your quotes, make sure you use exactly the same deductibles and coverage limits with every price quote. If you enter mixed coverages you will not be able to determine the best price for your Mazda Protege.

Lots of discounts mean lots of savings

Car insurance is not cheap, but there could be available discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but less common discounts must be asked for before you get the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Distant Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Multi-policy Discount – When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for Protege coverage depending on your company.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will cut the amount you have to pay.

For a list of insurance companies with the best auto insurance discounts, follow this link.

Elements that influence Mazda Protege insurance rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in better car insurance rates.

Listed below are some of the factors companies use to determine premiums.

  • Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than their less careful counterparts. Just one ticket can increase rates forty percent or more. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Higher deductibles cost less – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mazda. Some instances where coverage would apply could be a windshield shattered by a rock, damage caused by hail, and windstorm damage. Your deductibles are how much you are willing to pay before your car insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive for Protege coverage.
  • Consolidate policies to earn discounts – Some car insurance companies will award you with lower prices to people who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to ensure the best deal. Drivers may still find better rates by buying car insurance from a different company.
  • Mature drivers pay less – Youthful drivers are statistically proven to be more careless in a vehicle so car insurance rates are higher. Mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • Big city or small town – Choosing to live in a small town can be a good thing when it comes to car insurance. City drivers have to deal with much more traffic and longer commute times. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • Never let your coverage lapse – Allowing your coverage to lapse is a fast way to increase your car insurance rates. Not only will you pay more, but not being able 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.
  • Pay less if you’re married – Getting married actually saves money when buying car insurance. Marriage translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.

Situations that might require an agent

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why am I required to buy liability insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • How much can I save by bundling my policies?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is PIP insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills like rehabilitation expenses, pain medications, hospital visits, doctor visits and nursing services. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as emergency aid, court costs, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your Protege resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mazda Protege.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a deer and hail damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Shop smart and save

In this article, we presented quite a bit of information on how to reduce 2003 Mazda Protege insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured cut liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Budget-conscious insurance is definitely available on the web in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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