Compare 1998 Mazda Protege Insurance Quotes

Overwhelmed by the dozens of auto insurance choices available to you? Vehicle owners have so many choices available that it is a ton of work to locate the lowest auto insurance rates.

It’s important to compare rates quite often because insurance prices trend upward over time. Even if you think you had the best deal on Protege insurance at your last renewal there is a good chance you can find better premium rates now. Block out anything you think you know about auto insurance because I’m going to teach you one of the quickest ways to find better rates and still maintain coverage.

If you currently have car insurance, you should be able to reduce your rates substantially using this information. This article will help educate you on the best way to quote coverages and some tips to save money. Nevertheless, car owners do need to understand how the larger insurance companies price insurance differently and use this information to your advantage.

The cheapest insurance coverage price quotes

Most of the larger companies make it easy to get prices for coverage from their websites. This process is quite simple because it’s just a matter of typing in your required coverages as detailed in the form. When the form is submitted, the quote system sends out for your driving record and credit report and gives you a price quote determined by many factors.

This makes it simple to compare prices but the process of having to visit several different sites and type in your information is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you are searching for the best price on insurance coverage.

An easier way to compare insurance coverage pricing requires only one form to obtain quotes from many companies. The form is fast, reduces the work, and makes rate comparisons much easier to do. Once the form is submitted, it is rated with multiple companies and you can pick any of the quotes returned. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It takes less than 15 minutes and you’ll know if lower rates are available.

To compare rates now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you type in your coverages as shown on your current policy. This helps ensure you are getting an apples-to-apples comparison for exact coverage.

Do you qualify for discount insurance?

Companies do not advertise every discount very well, so the following is a list of some of the more common and also the more inconspicuous insurance savings. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

  • 55 and Retired – Seniors may be able to get reduced rates on Protege insurance.
  • Accident Forgiveness Coverage – Not really a discount, but companies like State Farm and Progressive allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Low Mileage – Driving less can qualify you for better rates on cars that stay parked.
  • Own a Home and Save – Being a homeowner can help you save on insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • Military Deployment Discount – Having a family member in the military may qualify for rate reductions.

As is typical with insurance, most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts will positively reduce your premiums.

A few companies that may offer most of the discounts above include:

Before you buy a policy, ask every prospective company which discounts can lower your rates. Depending on the company, some discounts may not be offered in your area. To locate insurance companies with discount insurance rates, click this link.

What insurance coverages do I need?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out if your insurance needs may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • When can I cancel my policy?
  • What companies insure drivers after a DUI or DWI?
  • Is my teenager covered with friends in the car?
  • How can I find cheaper teen driver insurance?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Can my teen driver be rated on a liability-only vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

The coverage is in the details

Knowing the specifics of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Mazda Protege.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft, a broken windshield and hitting a deer. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – This coverage can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. 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, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as medical services, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for things like rehabilitation expenses, X-ray expenses, funeral costs and EMT expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

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

Collision coverage protects against claims such as colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.