Cheaper 2001 Mazda Protege Insurance Cost

Looking for the cheapest auto insurance rates for your Mazda Protege? Sick and tired of trying to scrape together enough money to insure your Mazda every month? You’re in the same situation as many other consumers. Big-name insurance companies like State Farm and Geico continually bombard you with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you have a policy now or are shopping for new coverage, you can use this information to reduce the price you pay and still get good coverage. Finding affordable coverage is quite easy. Drivers only need an understanding of the proper way to buy car insurance online.

Complexity of Mazda Protege insurance rates

It’s important that you understand some of the elements that go into determining insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with lower insurance prices.

  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Careful drivers pay lower rates – Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Only having one ticket can bump up the cost by as much as thirty percent. Drivers with dangerous tickets like DUI or reckless driving are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Pay less if you’re married – Having a wife or husband can actually save you money on your policy. Having a significant other usually means you are more mature and statistics show drivers who are married are more cautious.
  • Never allow your policy to lapse – Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Liability coverage is cheap – Liability coverage is the coverage that protects you when a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Women pay lower rates – Statistics have proven that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. They both are in accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.
  • Lower rates come with age – More mature drivers tend to be more responsible, file fewer claims and are safer drivers. Young drivers are statistically proven to be careless and easily distracted when driving and because of this, their insurance rates are much higher.
  • How credit affects insurance rates – A driver’s credit history is a large factor in calculating your insurance rates. If your credit is not that good, you could potentially save money when insuring your 2001 Mazda Protege by improving your credit score. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower credit scores.

The method we recommend to get rate comparisons is to know almost all companies participate in online systems to give free rates quotes. To begin a comparison, all you need to do is give them rating details such as how much school you completed, the ages of drivers, how you use your vehicles, and if your license is active. Your rating data is then submitted to multiple companies and they return rate quotes instantly to find the best rate.

Buyer beware of auto insurance advertising tricks

Consumers can’t get away from ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies make the same claim of big savings if you switch your policy.

But how can every company make almost identical claims?

All companies are able to cherry pick for the right customer that makes them money. For example, a desirable insured might be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer who meets those qualifications is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who fall outside these standards will have to pay a more expensive rate which usually ends up with business not being written. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can claim big savings. Because of the profiling, you need to quote coverage with many companies. You cannot predict the company that will provide you with the cheapest Mazda Protege insurance rates.

Save money by taking advantage of these discounts

Companies that sell car insurance don’t always publicize every discount very clearly, so we took the time to find both the well known and the harder-to-find auto insurance savings. If you’re not getting every credit possible, you are throwing money away.

  • Paperwork-free – A few companies give back up to $50 for buying a policy and signing up over the internet.
  • Driver Safety – Successfully completing a driver safety course could cut 5% off your bill depending on where you live.
  • Student in College – Youth drivers who live away from home and don’t have a car can receive lower rates.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Clubs and Organizations – Participating in a civic or occupational organization could trigger savings on auto insurance for Protege insurance.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Life Insurance – Larger companies have a discount if you purchase life insurance from them.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Car insurance companies who might offer these money-saving discounts are:

Double check with every prospective company which discounts they offer. Some discounts might not be offered in every state.

When should I use an insurance agent?

When buying the right insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • How do I buy GAP insurance?
  • Are rental cars covered under my policy?
  • Is my nanny covered when driving my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my ex-spouse still covered by my policy?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverage considerations

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, backing into a parked car, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability car insurance – Liability insurance protects you from damage that occurs to people or other property in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like structural damage, emergency aid, funeral expenses, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Medical expense coverage – Med pay and PIP coverage reimburse you for short-term medical expenses like funeral costs, surgery, EMT expenses and pain medications. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, fire damage and hitting a deer. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

And the best car insurance company is…

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Cost effective 2001 Mazda Protege insurance is available on the web and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide online quoting and these small insurance companies work with independent agents.

Even more information can be found at these sites: