2003 Mazda Protege5 Insurance Quotes – 8 Savings Tips

Looking for better insurance rates for your Mazda Protege5? Finding better insurance prices for a Mazda Protege5 can be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to compare insurance rates and we’ll show you the proper way to get price quotes for a new or used Mazda and obtain the lowest price.

You should make it a habit to shop coverage around occasionally because insurance prices fluctuate regularly. Even if you think you had the best price for Protege5 coverage last year the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because you’re going to learn the best methods to reduce your cost while increasing coverage.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or need a new policy, you will benefit by learning to reduce the price you pay and still get good coverage. Vehicle owners only need to know the proper methods to shop their coverage around online.

Eight discounts to earn lower-cost auto insurance rates

Companies offering auto insurance do not advertise their entire list of discounts in an easy-to-find place, so the below list has both the well known as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

  • Claim-Free Discount – Drivers with accident-free driving histories have much lower rates as compared to accident-prone drivers.
  • Senior Discount – Mature drivers may qualify for lower premium rates for Protege5 coverage.
  • Distant Student – Kids living away from home attending college and leave their car at home can be insured at a reduced rate.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a insurance coverage quote.
  • E-sign Discounts – A handful of insurance companies give back up to $50 just for signing your application digitally online.
  • Driver Training Discounts – Passing a safe driver class could save 5% or more if your company offers it.
  • Save with a New Car – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase some life insurance in addition to your auto policy.

Don’t be surprised that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. So when it seems like you could get a free auto insurance policy, you aren’t that lucky.

A list of companies and some of the discounts are outlined below.

  • State Farm may have discounts that include passive restraint, driver’s education, Steer Clear safe driver discount, defensive driving training, accident-free, safe vehicle, and multiple policy.
  • Geico offers discounts for multi-policy, multi-vehicle, daytime running lights, federal employee, emergency military deployment, and driver training.
  • Progressive offers discounts including multi-policy, homeowner, continuous coverage, online quote discount, and good student.
  • 21st Century may include discounts for driver training, student driver, early bird, 55 and older, air bags, automatic seat belts, and anti-lock brakes.
  • American Family has discounts for air bags, good student, defensive driver, multi-vehicle, Steer into Savings, mySafetyValet, and good driver.
  • The Hartford discounts include good student, air bag, anti-theft, vehicle fuel type, bundle, driver training, and defensive driver.
  • AAA may offer discounts for good student, multi-car, anti-theft, good driver, education and occupation, multi-policy, and AAA membership discount.

When getting free insurance coverage quotes, it’s a good idea to every company the best way to save money. Some credits may not apply in every state.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions can aid in determining if you might need an agent’s assistance.

  • What is the difference between comprehensive and collision coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when pulling a U-Haul trailer?
  • Why is insurance for a teen driver so high?
  • Will my insurance pay for OEM parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Insurance policy coverages for a 2003 Mazda Protege5

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door, damaging your car on a curb, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like doctor visits, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover 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 an option in every state and gives slightly broader coverage than med pay

Liability car insurance

This coverage provides protection from damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as repair costs for stationary objects, structural damage, medical expenses, court costs and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mazda Protege5.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 such as hitting a deer, theft and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

One last thing about your coverage

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, denial of a claim, high prices and policy non-renewal. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

We just presented many tips how you can get a better price on 2003 Mazda Protege5 insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the best price on insurance coverage is with some of the lesser-known companies.

Discount 2003 Mazda Protege5 insurance is available on the web and from local insurance agents, so get free insurance coverage quotes from both of them to have the best selection. Some insurance providers may not provide rate quotes online and these regional insurance providers only sell through local independent agencies.

To read more, feel free to browse the articles below: