1990 Mazda Protege Car Insurance Quotes – 5 Ideas for Cheaper Rates

Having to pay for pricey auto insurance can eat up your savings, especially in this economy. Doing a price comparison can help to ensure you are getting the best deal.

There are many car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, having more insurers makes it harder to compare rates and cut insurance costs.

Consumers should take time to compare rates yearly because prices tend to go up over time. Just because you found the best deal on Protege insurance last year you will most likely find a better premium rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to buy cheaper auto insurance.

Affordable insurance coverage quotes online

To find low cost car insurance quotes, there are several ways to compare prices from insurance coverage companies in your area. The recommended way to do a complete rate comparison consists of shopping online. This can be accomplished using a couple different methods.

If you don’t have a lot of time, the easiest way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing separate forms for every company. One simple form gets rate comparisons instantly.

A more difficult way to shop for insurance coverage online consists of visiting the website for each individual company and complete a new quote form. For examples sake, let’s assume you want to view quotes from State Farm, Safeco and Progressive. You would be required to go to each individual site and enter your policy data, which can get rather old.

For a handy list of car insurance company links in your area, click here.

The most time-consuming way to compare rates is calling or driving to each insurance agency near you. Quoting and buying insurance online has reduced the need for local agents unless you have a complicated situation and need the guidance only provided by licensed agents. Although you can comparison shop your insurance online but have a local agent actually write the policy.

Whichever way you use, ensure you’re using apples-to-apples coverage information with each company. If you are comparing different values for each quote it will be very difficult to make a fair rate comparison. Just slight variations in coverage limits could throw off the whole comparison. Just keep in mind that quoting more gives you a better chance of getting the best rates.

Find discounts to get cheap insurance coverage rates

Some companies don’t necessarily list the entire discount list in an easy-to-find place, so below is a list some of the more common as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

  • Good Student – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Military Discounts – Having an actively deployed family member could mean lower rates.
  • Multiple Policy Discount – When you combine your homeowners and auto insurance with one insurance company you could get a discount of nearly 15% which can help you find affordable car insurance.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles can help prevent theft and qualify for as much as a 10% discount.
  • Life Insurance – Some insurance companies give better rates if you take out life insurance.

Don’t be shocked that many deductions do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

If you would like to see a list of insurance companies with the best discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • Is upholstery damage covered by car insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need motorclub coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like doctor visits, hospital visits, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

This covers 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 like theft, a broken windshield, damage from flooding and rock chips in glass. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as attorney fees, medical expenses, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Be Smart and Buy Smart

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In too many instances, someone dropped uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.

The cheapest 1990 Mazda Protege insurance is definitely available both online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies may not offer rate quotes online and these regional insurance providers only sell through independent agencies.

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