2000 Mazda Protege Insurance Rates

I can’t think of anyone who looks forward to paying premiums for auto insurance, particularly when they could find better prices if they shop around. There are many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, more choices can make it harder to compare rates and find the lowest cost auto insurance.

It’s important to get comparison quotes periodically because prices trend upward over time. If you had the best deal on Protege insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re going to learn how to quote online to find lower rates on auto insurance.

The purpose of this article is to introduce you to how car insurance quotes work and some tips to save money. If you have car insurance now, you will be able to save some money using this strategy. Vehicle owners just need to learn the proper way to get comparison rates over the internet.

More discounts mean affordable premiums

Insuring your fleet can be pricey, but there may be some discounts that may help make it more affordable. Some trigger automatically when you complete an application, but occassionally some discounts must be inquired about before they will apply.

  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.
  • Low Mileage Discounts – Keeping the miles down on your Mazda could earn better premium rates on cars that stay parked.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy life insurance from them.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Bundle and Save – When you combine your homeowners and auto insurance and insure them with the same company you may save at least 10% off all policies.
  • New Car Discount – Insuring a new car can save you some money because new vehicles have to meet stringent safety requirements.
  • Discount for Passive Restraints – Options like air bags or automatic seat belts can get savings of 25 to 30%.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will help lower your policy premium.

A list of companies and their offered discounts are included below.

  • State Farm discounts include multiple policy, driver’s education, student away at school, accident-free, safe vehicle, and Drive Safe & Save.
  • Geico offers premium reductions for air bags, defensive driver, daytime running lights, seat belt use, and driver training.
  • SAFECO may offer discounts for bundle discounts, anti-lock brakes, multi-car, homeowner, accident prevention training, and teen safe driver.
  • Farmers Insurance includes discounts for pay in full, early shopping, electronic funds transfer, multi-car, distant student, and bundle discounts.
  • AAA offers discounts including AAA membership discount, good student, education and occupation, good driver, anti-theft, and pay-in-full.
  • USAA may include discounts for driver training, vehicle storage, multi-vehicle, family discount, safe driver, and annual mileage.

When quoting, ask every insurance company which discounts they offer. Depending on the company, some discounts may not apply everywhere. To see car insurance companies that offer discounts, click here.

Low cost car insurance prices

Finding cheap 2000 Mazda Protege car insurance rates can be quick and easy. The only thing you need to do is spend a few minutes on the computer comparing price quotes from online providers. Shoppers can get rates by following the guidelines below.

  • The best way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing a different quote for each company you want a rate for. One quote request will return price quotes instantly.
  • A slightly less efficient method to compare rate quotes consists of visiting the website for each individual company and repeat the quote process. For instance, let’s assume you are doing a rate comparison from State Farm, Farmers and Liberty Mutual. To find out each rate you need to visit each site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  • The last way to find and compare rates is to drive around to local insurance agencies. Doing it all online can eliminate the need for a local agent unless you’re the type of person who wants the professional advice of a local agent. It is possible to get prices online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but try to keep the same information for each comparison quote. If your comparisons have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Mazda Protege.

Lower your insurance rates

Many different elements are considered when you get a price on insurance. Some are pretty understandable such as your driving record, but others are more obscure such as whether you are married or how financially stable you are.The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help calculate the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this allows you to make good choices that may reward you with better auto insurance rates.

The items below are some of the items used by companies to determine your prices.

  • Lower premiums with continuous coverage – Having an insurance coverage lapse is a fast way to bump up your auto insurance costs. Not only will you pay higher rates, failure to provide proof of insurance will get you a fine, jail time, or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Accidents can increase prices – Your driving citation history can have a huge impact on auto insurance premiums. Careful drivers get better prices as compared to those with violations. Having a single driving citation can increase the cost of insurance to the point where it’s not affordable. People who have severe violations such as hit and run, DWI or reckless driving convictions may be required to prove financial responsibility with their state DMV in order to drive a vehicle legally.
  • Your occupation may affect prices – Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, executives and stock brokers tend to have higher premiums than the average policyholder attributed to intense work requirements and incredibly demanding work hours. On the flip side, careers such as farmers, athletes and performers generally pay rates lower than average on Protege insurance.
  • Reduce prices by driving cars with good safety ratings – Safer cars cost less to insure. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Mazda Protege scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Getting married pays dividends – Having a spouse may cut your premiums on auto insurance. Having a spouse demonstrates that you tend to be more responsible and statistics prove being married results in fewer claims.
  • Big cities mean more claims – Living in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. Fewer drivers and short commutes means less chance of accidents in addition to fewer liability claims. City drivers tend to have congested traffic and a longer drive to work. The longer drive time translates into higher accident risk.
  • Physical damage deductibles – The deductibles are how much you are required to pay before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered would be rearending another vehicle, damage from fire, and having a roll-over accident. The more damage repair cost you are required to pay out-of-pocket, the less money you will pay for auto insurance on Protege insurance.

It’s not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance should reflect that For example, these questions may help you determine if you could use an agent’s help.

  • I don’t drive much so do I pay less?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving in Canada or Mexico?
  • How do I insure my teen driver?
  • When should my teen driver be added to my policy?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving a rental car?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, 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. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for pain medications, ambulance fees, EMT expenses and funeral costs. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, rock chips in glass and hail damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to people or other property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like pain and suffering, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2000 Mazda Protege.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance pays for damage to your Protege resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

A tidy conclusion

We just showed you a lot of tips how to compare 2000 Mazda Protege insurance rates online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest rates come from some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like Progressive and Geico.

Affordable 2000 Mazda Protege insurance can be bought online and with local insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not provide price quotes online and most of the time these small, regional companies only sell coverage through independent insurance agencies.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t have enough coverage. The goal is to buy enough coverage for the lowest price while still protecting your assets.

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