Compare 1996 Mazda Protege Insurance Rates

Trying to find better insurance rates for your Mazda Protege? Pricey Mazda Protege insurance can stress out your personal savings and force you to prioritize other expenses. Doing a rate analysis is an excellent way to make ends meet.

Since you have so many choices of insurance companies, it can be hard to pick the right insurer.

You need to take a look at other company’s rates yearly because insurance prices change regularly. Just because you found the best rates on Protege insurance at your last renewal you can probably find a lower rate today. You can find a lot of wrong information about insurance online but I’m going to show you a bunch of ideas how to find affordable insurance.

How much is car insurance?

To find cheap prices, there are a couple of ways of comparing rate quotes from all the different companies. The best method to lower the rate you pay for Mazda Protege insurance is to jump online and get quotes. This is very easy and can be done by using one of the methods below.

If you don’t have a lot of time, the easiest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for separate quote forms for every prospective company. One simple form compares rates direct from many companies.
Another way to get comparison quotes is to take the time to go to each company’s website and fill out a new quote form. For examples sake, we’ll pretend you want to compare prices for Geico, Liberty Mutual and American Family. To get each rate you have to navigate to each company’s site and repeatedly enter your information, which can take a lot of time. For a list of companies in your area, click here.

How you compare quotes is your choice, just make sure you use equivalent deductibles and coverage limits on every quote. If the quotes have different limits and deductibles on each one you will not be able to determine which rate is truly the best. Quoting even small variations in insurance coverages may result in large price differences. And when comparing car insurance rates, know that comparing a large number of companies helps improve the odds of finding a better price. Some insurance companies are not set up to provide online quotes, so it’s necessary to compare rates on coverage from those companies, too.

More affordable rates with these car insurance discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts to cut the cost considerably. Some discounts apply automatically at quote time, but less common discounts must be asked for prior to receiving the credit. If you aren’t receiving every discount available, you are throwing money away.

Smart Student Discounts – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
Federal Government Employee – Having worked for a branch of the government can earn a discount up to 10% on Protege insurance but check with your company.
Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up could cut 10% or more off the personal injury premium cost.
E-sign – Some companies will discount your bill up to fifty bucks simply for signing on the internet.
Defensive Driver – Successfully completing a class that teaches driver safety techniques may get you a small discount and easily recoup the cost of the course.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like you can get free auto insurance, you aren’t that lucky. But any discount will lower your overall premium however.

A few popular companies and a selection of discounts are included below.

21st Century has discounts for 55 and older, theft prevention, good student, anti-lock brakes, early bird, and teen driver.
State Farm may offer discounts for defensive driving training, good student, passive restraint, Steer Clear safe driver discount, good driver, and Drive Safe & Save.
AAA offers premium reductions for good driver, multi-car, education and occupation, AAA membership discount, multi-policy, good student, and pay-in-full.
Liberty Mutual has savings for new move discount, good student, newly married, preferred payment discount, teen driver discount, safety features, and multi-policy.
Progressive includes discounts for good student, homeowner, online quote discount, continuous coverage, multi-vehicle, and multi-policy.

If you need affordable auto insurance quotes, ask every company how you can save money. Some credits might not be available to policyholders in your area. To see a list of car insurance companies that provide some of the discounts listed above, follow this link.

Auto insurance can get complicated

When buying the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions can help discover whether your personal situation would benefit from professional advice.

Why do I only qualify for high-risk insurance?
Can I get a multi-policy discount for packaging my home and auto coverage?
Are my friends covered when driving my 1996 Mazda Protege?
If my 1996 Mazda Protege is totaled, can I afford another vehicle?
How does medical payments coverage work?
Does my 1996 Mazda Protege need full coverage?
Is pleasure use cheaper than using my 1996 Mazda Protege to commute?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance policy coverages for a 1996 Mazda Protege

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, repair costs for stationary objects, emergency aid, loss of income and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like dental work, EMT expenses, X-ray expenses, pain medications and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Mazda Protege.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, hitting a deer and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.