Lower Your 1997 Mazda Protege Car Insurance Quotes

Shoppers have a choice when shopping for the lowest priced Mazda Protege insurance. They can either spend hours contacting agents to compare prices or use the internet to compare rates.

There are both good and bad ways to find insurance online and we’ll show you the quickest way to compare rates on a Mazda and find the lowest price either online or from local insurance agents.

The quickest method to compare policy rates utilizes the fact car insurance companies participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like distance driven, the year, make and model of vehicles, whether you are married, and if you require a SR-22. The rating information is instantly sent to many of the top insurers and you receive quotes instantly to find the best rate.

Take advantage of with these discounts

Buying insurance is not cheap, but you might find some hidden discounts to reduce the price significantly. Some of these disounts will be visible when you get a quote, but a few must be asked for prior to receiving the credit.

  • Save with More Vehicles Insured – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • No Accidents – Drivers who stay claim-free pay less compared to drivers with a long claim history.
  • Own a Home and Save – Just owning your own home can save you money because of the fact that having a home is proof of financial responsibility.
  • Early Signing – A few companies give discounts for switching to them prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a simple method to lower premiums on your policy.

Please keep in mind that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Larger insurance companies and some of the premium reductions they offer are outlined below.

  • Geico offers premium reductions for federal employee, membership and employees, military active duty, defensive driver, anti-lock brakes, multi-policy, and seat belt use.
  • Auto-Owners Insurance has discounts for group or association, good student, company car, safe vehicle, paid in full, and teen driver.
  • American Family may have discounts that include bundled insurance, air bags, Steer into Savings, good driver, mySafetyValet, and good student.
  • Esurance may include discounts for emergency road assistance, safety device, good driver, anti-lock brakes, online quote, and defensive driver.
  • Progressive policyholders can earn discounts including continuous coverage, good student, homeowner, online signing, multi-vehicle, and online quote discount.
  • State Farm offers discounts for safe vehicle, defensive driving training, passive restraint, Steer Clear safe driver discount, anti-theft, and driver’s education.
  • AAA offers discounts including good driver, education and occupation, good student, pay-in-full, AAA membership discount, anti-theft, and multi-car.

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your area. To locate insurance companies who offer discounts, click here.

How you can control Mazda Protege insurance prices

A large part of saving on auto insurance is knowing some of the things that come into play when calculating the level of your policy premiums. If you know what influences your rates, this empowers consumers to make smart changes that will entitle you to lower rates. Many things are part of the equation when quoting car insurance. Most are fairly basic like a motor vehicle report, but some are not quite as obvious like your continuous coverage or your commute time.

  • Incidental coverages could be costing you – Insurance policies have a lot of additional coverages that you can get tricked into buying on your auto insurance policy. Add-on coverages like rental car coverage, high-cost glass coverage, and term life insurance are examples of these. These may sound like a good investment initially, but your needs may have changed so remove them and pocket the money.
  • Do you work long hours in a high stress occupation? – Jobs like real estate brokersairline pilots and medical professionals usually pay the highest average rates because of intense work situations and long work days. Other occupations such as scientists, engineers and performers pay the least on Protege insurance.
  • How credit rating affects auto insurance costs – A driver’s credit rating is likely to be a major factor in calculating your auto insurance rates. People with excellent credit tend to be better drivers and file fewer claims than drivers with worse credit. So if your credit score can be improved, you could be paying less to insure your 1997 Mazda Protege by taking the time to improve your credit score.
  • City traffic equals higher premiums – Residing in smaller towns and rural areas of the country can save you money when talking about auto insurance. Urban drivers have traffic congestion and much longer commute distances. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates.
  • An active insurance claims history can cost more – Insurance companies give better rates to insureds who only file infrequent claims. If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of more catestrophic claims.
  • Vehicle options that lower prices – Owning a car with a theft deterrent system can help lower your rates. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all help prevent your vehicle from being stolen.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

For example, these questions may help you determine whether or not you could use an agent’s help.

  • What should my uninsured motorist coverage limits be in my state?
  • Is my nanny covered when driving my vehicle?
  • Can I rent a car in Mexico?
  • When would I need rental car insurance?
  • What is no-fault insurance?
  • Is motorclub coverage worth it?
  • Will my rates increase for filing one claim?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Do drivers who switch really save $465 a year?

Consumers can’t get away from all the ads for cheaper car insurance from the likes of State Farm, Allstate and Geico. All the companies make an identical promise that people will save just by switching your coverage to them.

How is it plausible that every one can charge lower premium rates? This is the trick they use.

Most companies have specific criteria for the type of driver that is profitable for them. For instance, this type of driver may be a married female, has a clear driving record, and has excellent credit. Any new insured that meets those criteria receive the lowest rate quotes and as a result will probably save if they switch.

Drivers who cannot meet these standards will probably have to pay higher prices and this results in the driver buying from a lower-cost company. The ads state “people that switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully make claims that they all have the best prices.

This really illustrates why it is so important to do a quote comparison often. You cannot predict which insurance companies will have the lowest rates.

Auto insurance coverage options for a 1997 Mazda Protege

Knowing the specifics of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills for chiropractic care, prosthetic devices and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Mazda Protege.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage – Collision coverage will pay to fix damage to your Protege resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, backing into a parked car, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to bring the cost down.

Liability coverages – This protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as loss of income, funeral expenses, repair costs for stationary objects, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, damage from flooding, a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Have money to burn

When searching for affordable insurance coverage quotes, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

In this article, we presented a lot of ways to lower your 1997 Mazda Protege insurance premium rates. The most important thing to understand is the more times you quote, the better chance you’ll have of finding low cost insurance coverage. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

Some auto insurance companies do not offer rate quotes online smaller providers work with independent insurance agents. Lower-priced auto insurance can be purchased both online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

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