Save on 1991 Mazda Protege Car Insurance Rates

Searching for the cheapest insurance coverage rates for your Mazda Protege? Are you irritated from paying out the nose to make your insurance coverage payment? You are no different than the majority of other vehicle owners. Big-name insurance companies like State Farm and Geico all claim big savings with catchy ads and it can be hard to ignore the promise of big savings and do the work needed to find the best deal.

It’s a great practice to price shop coverage every six months since prices are adjusted regularly by insurance companies. Just because you had the lowest rates on Protege coverage on your last policy there is a good chance you can find better premium rates now. There is lot of inaccurate information about insurance coverage online but we’re going to give you some tested techniques to quit paying high insurance coverage rates.

If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to cut your premiums while maximizing coverage. Finding the best rates is not that difficult. Drivers just need to learn the best way to shop their coverage around online.

Take policy discounts and save

Companies that sell car insurance don’t necessarily list the complete list of policy discounts very well, so the list below details a few of the more well known and also the lesser-known insurance coverage savings.

  • Smart Student Discounts – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Theft Deterent Discount – Cars with anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Driving Data Discount – Policyholders that allow their insurance coverage company to study driving manner by using a telematic data system like Allstate’s Drivewise may get a rate reduction if they have good driving habits.
  • Low Mileage – Fewer annual miles on your Mazda may allow you to get cheaper premium rates.
  • Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the medical payments premium.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Protege coverage with certain companies.
  • Passive Restraints – Cars that have air bags can receive discounts of 25 to 30%.
  • Full Payment Discount – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
  • Discount for New Cars – Buying a new car model may earn a small discount compared to insuring an older model.

It’s important to note that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, you aren’t that lucky.

A few popular companies and their offered discounts can be read below.

  • Progressive includes discounts for online signing, multi-vehicle, online quote discount, multi-policy, continuous coverage, homeowner, and good student.
  • Farmers Insurance discounts include business and professional, multi-car, switch companies, homeowner, teen driver, bundle discounts, and good student.
  • Farm Bureau may offer discounts for 55 and retired, driver training, youthful driver, multi-vehicle, and renewal discount.
  • State Farm has savings for good driver, defensive driving training, Drive Safe & Save, student away at school, driver’s education, and anti-theft.
  • Geico has discounts for federal employee, driver training, membership and employees, daytime running lights, emergency military deployment, defensive driver, and anti-theft.
  • SAFECO policyholders can earn discounts including drive less, bundle discounts, anti-theft, teen safety rewards, multi-car, anti-lock brakes, and safe driver.
  • Liberty Mutual offers premium reductions for newly married, teen driver discount, new move discount, hybrid vehicle, multi-car, and exclusive group savings.

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some discounts listed above may not apply to policies in your area.

How to compare free auto insurance rate quotes

There are multiple methods to compare auto insurance quotes, but one way is easier and takes less work. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

Many of the larger companies take part in a program where prospective buyers send in one quote, and every company returns a competitive quote based on that data. This saves time by eliminating quotation requests for each company.

To find out what other companies charge click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose the companies to get quotes from. So if you prefer to pick specific providers for rate comparison, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be certain you are entering the same coverage data on every quote. If your comparisons have different deductibles then you won’t be able to make a fair rate comparison.

Why smart buyers pay less for Mazda Protege insurance

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that help calculate insurance rates. When you know what positively or negatively influences your rates, this helps enable you to make changes that may result in lower premium levels. Lots of factors are considered when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although some other factors are more obscure like your vehicle usage or how safe your car is.

  • Guys tend to take more risk – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Women and men tend to get into fender benders at a similar rate, but guys get into accidents with more damage. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers generally have the highest accident percentage so they pay the highest premiums.
  • Save money by staying claim free – If you are a frequent claim filer, you can pretty much guarantee higher rates. Car insurance companies give discounts to insureds who do not rely on their insurance for small claims. Your car insurance is designed for larger claims.
  • Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings are cheaper to insure. Highly rated vehicles protect occupants better and fewer injuries translates into savings for insurance companies which can result in lower premiums.
  • Excellent credit means lower prices – Your credit history can be a huge factor in determining premium rates. So if your credit could use some work, you could be paying less to insure your 1991 Mazda Protege by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • Add-on coverages can cost a lot – Policies have additional extra coverages that can add up if you aren’t diligent. Insurance for things like coverage for rental cars, better glass coverage, and additional equipment coverage are some examples. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money remove them and pocket the money.
  • Discounts for married drivers – Being married helps lower the price when shopping for insurance. Having a significant other may mean you are more mature and it’s statistically proven that drivers who are married file infrequent claims.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation might need professional guidance.

  • Do I benefit by insuring my home with the same company?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I afford to buy a different vehicle if my 1991 Mazda Protege is totaled?
  • Why am I required to buy liability insurance?
  • Am I covered if I hit a deer?
  • Does coverage extend to my business vehicle?
  • Can I afford low physical damage deductibles?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Can you really save that much by switching?

Consumers can’t avoid all the ads that claim the lowest rates from companies such as State Farm and Allstate. They all try to convey promises that drivers will save a bundle if you get a free insurance coverage quote and switch your policy.

How do they all have lower policy pricing?

All the different companies have specific criteria for a prospective insured that will not have excessive claims. A good example of a desirable insured might be described as over the age of 35, carries high limits, and drives a vehicle with a low ISO rating. Anyone who fits that profile gets the lowest car insurance rates and will most likely save money with a new company.

People who may not quite match this ideal profile will probably have to pay more expensive rates and this can result in the customer not buying. The ad wording is “drivers who switch” not “all people who quote” save that much money. This is how companies can truthfully make it sound like they have such great rates. This illustrates why you really should compare as many free insurance coverage quotes as you can. It is impossible to guess which insurance companies will have the lowest prices for your situation.

Insurance coverages 101

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive coverages – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage – This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, emergency aid, pain and suffering, structural damage and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Mazda Protege.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses such as prosthetic devices, ambulance fees, doctor visits and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

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

Collision coverage pays for things like crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Quote more, save more

Lower-priced insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer online rate quotes and usually these smaller companies sell through independent insurance agencies.

You just learned many ideas to get a better price on 1991 Mazda Protege insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from some of the lesser-known companies. These companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

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