Cheap 2001 Mazda Protege Car Insurance Rates

I can’t think of anyone who likes buying insurance coverage, especially when they know they are paying too much.

Multiple auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to find the absolute lowest rate possible.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Finding affordable coverage is not rocket science. But car owners benefit from understanding how companies price insurance differently and take advantage of how the system works.

Discounts for lower-cost insurance coverage rates

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Some discounts will apply when you purchase, but some may not be applied and must be manually applied prior to getting the savings.

  • Federal Government Employee – Federal government employees could qualify for a slight premium decrease on Protege coverage with certain companies.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. You may see this discount when you get auto insurance quotes online.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts may get savings of 20 to 30 percent.
  • Telematics Discount – Drivers that enable driving data collection to analyze driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
  • Save with a New Car – Adding a new car to your policy can get you a discount due to better safety requirements for newer models.
  • Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts could save 15% off the medical payments premium.
  • Distant Student – College-age children who live away from home at college and do not have a car could qualify for this discount.

Consumers should know that most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. Even though the math looks like you can get free auto insurance, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts are:

  • Progressive may include discounts for continuous coverage, online quote discount, multi-vehicle, online signing, good student, homeowner, and multi-policy.
  • SAFECO offers premium reductions for multi-car, safe driver, drive less, anti-theft, and teen safety rewards.
  • American Family may have discounts that include TimeAway discount, early bird, air bags, bundled insurance, good student, and multi-vehicle.
  • MetLife has discounts for defensive driver, accident-free, good student, good driver, and claim-free.
  • Geico offers discounts for multi-vehicle, daytime running lights, five-year accident-free, multi-policy, and anti-theft.
  • The Hartford offers discounts including vehicle fuel type, air bag, good student, anti-theft, and driver training.

Check with each company or agent to give you their best rates. Discounts may not be offered in your state. To find insurance companies who offer discounts, click here.

Finding insurance

Many insurance companies provide coverage prices from their websites. Comparing prices online is quite easy as you just enter the coverages you want into the quote form. When the form is submitted, the system sends out for your driving record and credit report and returns pricing information. Being able to quote online streamlines rate comparisons, but the time it takes to visit different websites and fill out multiple forms gets old quite quickly. But it’s necessary to compare as many rates as possible in order to get lower prices.

A better way to lower your rates makes use of a single form to obtain quotes from many companies. It’s a real time-saver, requires less work, and makes online price comparison much more enjoyable. Once the form is submitted, your coverage is rated and you can choose any or none of the quote results. If you find a better price you can simply submit the application and buy the policy. This process takes 15 minutes at the most and may save quite a bit of money.

If you want to get comparison pricing now, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you replicate the insurance coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will get an apples-to-apples comparison based on the exact same insurance coverage.

Tailor your auto insurance coverage to you

When buying coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • If my 2001 Mazda Protege is totaled, can I afford another vehicle?
  • Should I rate my 2001 Mazda Protege as pleasure use or commute?
  • How much liability do I need to cover my assets?
  • Are rental cars covered under my policy?
  • When would I need additional glass coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Is rental equipment covered for theft or damage?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages 101

Knowing the specifics of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the usual coverages available from car insurance companies.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, damage from getting keyed and falling objects. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mazda Protege.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses such as rehabilitation expenses, pain medications, funeral costs, chiropractic care and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like structural damage, funeral expenses, loss of income, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision coverage pays for damage to your Protege resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, driving through your garage door, scraping a guard rail, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

More comparisons equals lower rates

There are still a few companies who may not offer rate quotes online and many times these smaller providers sell through independent agents. Budget-conscious 2001 Mazda Protege insurance is attainable on the web and with local insurance agents, so compare prices from both to have the best chance of lowering rates.

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best price, not the least amount of coverage.

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