Cheaper 1993 Mazda Protege Insurance Rates

Are you tired of not being able to afford to buy car insurance? You’re in the same situation as millions of other consumers. Big-name insurance companies like State Farm, Farmers Insurance, Geico and Allstate continually bombard you with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

Smart consumers take time to do rate comparisons before your policy renews because insurance rates change frequently. If you had the lowest rates on Protege insurance a couple years back you may be paying too much now. Starting now, forget anything you know (or think you know) about insurance coverage because you’re going to learn how to quote online to find lower rates on insurance coverage.

Factors that might impact rates for a Mazda Protege

It’s important that you understand the rating factors that play a part in calculating your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in big savings.

Shown below are some of the items that factor into premiums.

  • A clean driving record saves money – Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can bump up the cost by twenty percent. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have flagrant citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Pay less if you’re married – Having a wife or husband actually saves money on auto insurance. Marriage usually means you are more mature and it’s proven that married couples file fewer claims.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes tend to get into accidents in similar numbers, but the males tend to have more serious accidents. They also get cited for more serious violations like DUI and reckless driving.
  • Where you live can impact rates – Residing in a rural area is a positive aspect when talking about auto insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Lower population means fewer accidents as well as less vandalism and auto theft.

You probably qualify for some discounts

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be inquired about before being credited. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Protege insurance with select insurance companies.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums on Protege insurance.
  • Low Mileage – Fewer annual miles on your Mazda could be rewarded with better rates on cars that stay parked.
  • Auto/Life Discount – Some companies give a break if you buy life insurance.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current expiration date. It’s a savings of about 10%.
  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Military Discounts – Being on active duty in the military could mean lower rates.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous. But all discounts will reduce the amount you have to pay.

For a list of providers with discount auto insurance rates, click here.

Are car insurance companies telling the truth?

Consumers can’t ignore all the ads for cheaper car insurance by Progressive, Allstate and Geico. They all seem to make the same claim that you can save if you move to their company.

How does each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the driver that makes them money. A good example of a desirable insured might be over the age of 50, is a homeowner, and has a high credit rating. Any new insured who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who don’t qualify for the requirements must pay higher premiums which leads to business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. This is how companies can advertise the savings.

This illustrates why it’s extremely important to compare many company’s rates. You cannot predict the company that will provide you with the cheapest Mazda Protege insurance rates.

There’s no such thing as the perfect policy

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help highlight whether you would benefit from professional advice.

  • What can I do if my company denied a claim?
  • Can I drive in Mexico and have coverage?
  • Which companies will insure high-risk drivers?
  • Should I have a commercial auto policy?
  • What is the minimum liability in my state?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance coverage basics

Understanding the coverages of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

Collision protection

Collision coverage pays for damage to your Protege resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, scraping a guard rail, rolling your car, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1993 Mazda Protege.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for things like funeral costs, EMT expenses, doctor visits and rehabilitation expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, theft, falling objects, damage from getting keyed and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

This coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, legal defense fees, medical services and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

In any little way, save everyday

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an insured dropped uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Discount 1993 Mazda Protege insurance can be found on the web and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

More information is available at these links: