1994 Mazda Protege Insurance Cost – 5 Tips for Cheaper Prices

If you’re new to shopping for car insurance quotes online, you may be bewildered by the sheer number of insurance companies all offering big savings.

How much does car insurance cost?

Comparing car insurance rates can take hours if you don’t understand the most efficient way to do it. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use online quoting to maximize your effort.

Many of the larger companies enroll in a system where prospective buyers enter their policy data once, and each company can give them a price for coverage. This eliminates the need for quote requests to every company.

To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to pricing coverage this way is you cannot specify the insurers you want pricing from. If you prefer to choose from a list of companies to request quotes from, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, make absolute certain that you use the exact same coverage limits and deductibles for each price quote. If you enter differing limits you will not be able to determine which company has the best rates. Just a small difference in coverages could mean much higher rates. And when comparing car insurance rates, know that having more price comparisons increases the change that you will find more affordable insurance. Not every company allows you to get quotes online, so it’s important to also get price quotes from them, too.

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Special considerations

When it comes to choosing the best car insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

When can my company non-renew my policy?
What is UM/UIM insurance?
Should I bundle my homeowners policy with my auto?
Will I lose any money if I cancel my policy before it expires?
How much liability coverage do I need in my state?
Is my cargo covered for damage or theft?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages and their meanings

Having a good grasp of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical services, emergency aid and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Mazda Protege.

Because many people 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 a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, falling objects, hail damage, a tree branch falling on your vehicle and damage from flooding. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This coverage pays for damage to your Protege caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like rehabilitation expenses, X-ray expenses and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible