Save on 1998 Mazda Protege Car Insurance Quotes

Searching for better insurance rates for your Mazda Protege? Scraping up a payment for overpriced Mazda Protege insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparing price quotes is a smart way to help make ends meet.

Many insurers compete for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute lowest rate

If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, car owners need to have an understanding of the way companies sell insurance online and take advantage of how the system works.

Companies offer discounts so take them!

Car insurance companies do not list all available discounts very well, so here is a list some of the more common and the harder-to-find auto insurance savings.

  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • E-sign – A few companies give back up to $50 just for signing your application on their website.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Protege coverage with select insurance companies.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on Protege coverage than their less cautious counterparts.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies that may offer some of the above discounts are:

Check with all companies you are considering what discounts are available to you. Some discounts might not apply in your area.

Why your Mazda Protege might be costing you more

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that could result in lower car insurance prices.

The list below includes some of the items that factor into premiums.

  • Where you live can impact rates – Choosing to live in a rural area can save you money when it comes to car insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. More time on the road means more change of being in an accident.
  • Pay less if you’re married – Getting married helps lower the price when buying car insurance. Having a spouse translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Don’t get talked into coverage you don’t need – There are many extra coverages you can purchase if you aren’t careful. Things like personal injury protection, better glass coverage and motor club memberships are examples of these. These coverages may sound good when you first buy your policy, but if you don’t need them remove them from your policy.
  • Bump up deductibles to save – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Mazda. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, or theft. Physical damage deductibles are how much you are required to spend before your car insurance pays a claim. The more the insured has to pay upfront, the lower your rates will be on Protege coverage.

Do I just need basic coverages?

When buying proper insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions might point out whether your personal situation will benefit from professional help.

  • Should I get collision insurance on every vehicle?
  • When can my company non-renew my policy?
  • Does insurance cover tools stolen from my truck?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I drive in a foreign country?
  • Is pleasure use cheaper than using my 1998 Mazda Protege to commute?
  • If I drive on a suspended license am I covered?
  • Does car insurance cover theft of personal property?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Advertising myths

Insurance providers like Geico, State Farm and Progressive continually stream ads on TV and radio. They all say the same thing of big savings after switching your policy. But how can every company claim to save you money? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that is profitable for them. A good example of a desirable insured might be profiled as a mature driver, has no tickets, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” will get very good rates and most likely will pay quite a bit less when switching companies.

Drivers who fall outside these standards must pay more money and ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully make the claims of big savings. This illustrates why it is so important to quote coverage with many companies. It is impossible to predict the company that will provide you with the cheapest Mazda Protege insurance rates.

Specific coverages for a 1998 Mazda Protege

Having a good grasp of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Liability coverage

This coverage protects you from damage that occurs to other’s property or people. It protects you from claims by other people, and does not provide coverage for 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. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, theft and damage from flooding. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Mazda Protege.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This pays for damage to your Protege caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as chiropractic care, prosthetic devices, ambulance fees and X-ray expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

A tidy conclusion

Cheaper 1998 Mazda Protege insurance can be found online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance providers don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented some good ideas how you can lower your insurance rates. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from an unexpected company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate, Geico and Progressive.

When you buy insurance online, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured dropped comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at an affordable rate.

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