How Much Does 1999 Mazda Protege Insurance Cost?

No normal person looks forward to buying auto insurance, especially when they know it costs too dang much.

Lots of insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider to discover the definitive best rates possible.

You should take the time to check auto insurance prices at least once a year because prices are adjusted regularly by insurance companies. Even if you got the lowest rates for Protege insurance at your last renewal you can probably find a better premium rate now. There is too much inaccurate information about auto insurance online, but we’re going to give you some excellent ideas to put money back in your pocket.

If you currently have car insurance, you will most likely be able to save some money using these methods. Finding the best rates is easy if you know what you’re doing. Although vehicle owners should learn how the larger insurance companies determine prices.

The method we recommend to compare insurance rates from multiple companies utilizes the fact almost all companies actually pay money for the chance to give free rates quotes. The only thing you need to do is give them some information like whether or not you need a SR-22, what your job is, if you went to college, and daily mileage. That rating information is instantly submitted to multiple companies and you get price estimates instantly to find the best rate.

If you would like to start a quote now, click here and enter your zip code.

Cheaper rates with these discounts

Car insurance is easily one of your largest bills, but there could be significant discounts to reduce the price significantly. A few discounts will be applied when you quote, but less common discounts must be asked about before being credited.

  • Multi-Vehicle Discounts – Insuring primary and secondary vehicles with the same company can get a discount for every vehicle.
  • Discounts for New Vehicles – Adding a new car to your policy may earn a small discount because newer models are generally safer.
  • Home Ownership Discount – Owning a home can save a few bucks since home ownership demonstrates responsibility.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Telematics Discount – People who choose to allow their insurance company to track driving patterns remotely like Allstate’s Drivewise could save a few bucks if they have good driving habits.
  • Senior Citizen Rates – If you’re over the age of 55, you may be able to get a small discount on rates for Protege insurance.
  • Defensive Driver – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.

Please keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

Large car insurance companies and their possible discounts are shown below.

  • Progressive discounts include good student, online quote discount, online signing, multi-vehicle, continuous coverage, multi-policy, and homeowner.
  • The Hartford has savings for good student, vehicle fuel type, driver training, bundle, anti-theft, and air bag.
  • Mercury Insurance has discounts for low natural disaster claims, good driver, professional/association, age of vehicle, and multi-car.
  • Geico includes discounts for seat belt use, defensive driver, anti-lock brakes, multi-vehicle, and multi-policy.
  • AAA may offer discounts for good student, multi-car, AAA membership discount, education and occupation, good driver, anti-theft, and multi-policy.
  • State Farm policyholders can earn discounts including multiple autos, student away at school, anti-theft, Steer Clear safe driver discount, multiple policy, passive restraint, and good driver.

When getting a coverage quote, ask each insurance company which discounts they offer. A few discounts might not be offered on policies in every state. For a list of insurance companies offering car insurance discounts, click here.

Insurance can be complex

When choosing coverage, there really is no cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

  • What if I owe more than I can insure my car for?
  • Is business property covered if stolen from my car?
  • What is the rate difference between pleasure use and commuting?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my 1999 Mazda Protege covered for smoke damage?
  • Is my ex-spouse still covered by my policy?
  • Where can I get insurance after a DUI in my state?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Why informed consumers pay less for Mazda Protege insurance

It’s important that you understand the different types of things that play a part in calculating the level of your policy premiums. If you know what determines base rates, this enables informed choices that will entitle you to big savings.

  • Younger driver insurance prices – Young drivers are proven to be inattentive and easily distracted when behind the wheel and because of this, their car insurance rates are much higher. Older insureds are more cautious drivers, tend to file fewer claims , and are generally more financially stable.
  • Add-on coverages can add up – Policies have add-on coverages that you can get tricked into buying if you aren’t diligent. Coverages like rental car coverage, accidental death, and term life insurance are probably not needed. These coverages may sound good when discussing your needs, but if they’re wasting money get rid of them and save.
  • Why do you need liability insurance? – Liability coverage kicks in when a court rules you are at fault for causing personal injury or damage in an accident. This coverage provides legal defense which can cost a lot. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Getting married can lower costs – Walking down the aisle may cut your premiums on your car insurance policy. It translates into being more mature and responsible and insurance companies like that drivers who are married are more cautious.
  • Better prices with anti-theft devices – Owning a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
  • Your address can affect premiums – Living in a small town is a positive aspect when shopping for auto insurance. Fewer drivers on the road translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers have to deal with congested traffic and more severe claims. More time on the road means higher likelihood of an accident.

Auto insurance 101

Learning about specific coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses like dental work, nursing services and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, scraping a guard rail, colliding with a tree, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, hitting a bird, damage from flooding and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

This coverage protects you from damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

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 translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, medical expenses, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Mazda Protege.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

The best insurance company isn’t always the cheapest

We just covered a lot of information how to get a better price on 1999 Mazda Protege insurance. The most important thing to understand is the more you quote insurance coverage, the better your chances of lowering your prices. Consumers may even find the most savings is with a small mutual company. These smaller insurers may only write in your state and offer lower prices as compared to the big name companies such as State Farm, Geico and Nationwide.

Cost effective 1999 Mazda Protege insurance can be bought both online and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide rates over the internet and usually these regional carriers sell through independent agents.

Additional information