1991 Mazda Protege Insurance Rates

Trying to find better auto insurance rates for your Mazda Protege? Having to pay for overpriced auto insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to help make ends meet. Consumers have many auto insurance companies to insure vehicles with, and although it’s nice to have a choice, lots of choices makes it harder to adequately compare rates.

Shopping for the lowest cost protection is quite easy. If you are insured now or need a new policy, you will benefit by learning to find better prices and possibly find even better coverage. Drivers just need to learn the proper methods to get comparison quotes on the web.

The easiest way to compare car insurance company rates is to know all the major auto insurance companies will pay a fee to give free rates quotes. To get started, all you need to do is give them rating details such as the make and model of your vehicles, whether you drive to work or school, how much you drive, and if you have an active license. That rating information is instantly sent to insurance carriers in your area and you receive quotes instantly.

To start a quote now, click here and find out if lower rates are available.

Don’t miss out on these money-saving discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Most are applied when you get a quote, but some must be manually applied before being credited. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Driver’s Ed – Have your child enroll in driver’s education in high school.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Protege insurance than drivers with accidents.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Government Employees – Active or retired federal employment could cut as much as 10% off on Protege insurance with certain companies.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Save over 55 – Older drivers may receive a small decrease in premiums on Protege insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates you could get a free insurance policy, you won’t be that lucky. But any discount will cut the amount you have to pay.

For a list of insurance companies with the best insurance discounts, click here to view.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Should I get collision insurance on every vehicle?
  • Which is better, split liability limits or combined limits?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I get insurance after a DUI in my state?
  • Should I bundle my homeowners policy with my auto?
  • Am I missing any policy discounts?
  • How high should deductibles be on a 1991 Mazda Protege?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Why your Mazda Protege insurance rates may be high

Consumers need to have an understanding of the factors that come into play when calculating your insurance rates. Knowing what determines base rates helps enable you to make changes that will entitle you to lower insurance prices.

  • Car features impact rates – Driving a car that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • High deductibles save money – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Mazda from damage. A few examples of covered claims would be collision with another vehicle, vandalism, or theft. Physical damage deductibles are the amount of money you are required to spend if you file a covered claim. The more expense you have to pay, the less your insurance will be on Protege insurance.
  • Do you have enough liability coverage? – Liability insurance provides coverage if a court rules you are at fault for personal injury or accident damage. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Traffic violations increase rates – Even one ticket can increase rates by twenty percent. Good drivers have lower premiums compared to drivers with tickets. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with the DMV in their state in order to keep their license.
  • Drive a safer car and pay less – Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Mazda Protege earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Your location is important – Choosing to live in less populated areas can save you money when insuring your vehicles. City drivers tend to have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents as well as less vandalism and auto theft.

Ads can be misleading

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, Allstate and Geico. They all seem to have a common claim about savings if you change to them.

How does each company make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the driver that earns them a profit. For instance, a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and has a short commute. A driver that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t measure up to these standards will be quoted higher premiums and this can result in business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently state the savings.

This emphasizes why it is so important to get quotes from several different companies. It’s not possible to predict the company that will give you the biggest savings on Mazda Protege insurance.

Car insurance 101

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Liability insurance – This protects you from damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, structural damage and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mazda Protege.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – Collision coverage will pay to fix damage to your Protege caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, falling objects and theft. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for doctor visits, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Buy online or local, you save

We just showed you many ideas to compare 1991 Mazda Protege insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with the smaller companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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