1999 Mazda Protege Car Insurance Quotes

Looking for cheaper auto insurance rates for your Mazda Protege? Using the web to shop for auto insurance can seem like an uphill battle if you’re new to quoting online. But don’t let that discourage you because online price shopping is actually quite simple.

It’s a good idea to do rate comparisons yearly since rates change quite often. Just because you found the best deal on Protege insurance a year ago other companies may now be cheaper. There is a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn the best ways to find affordable auto insurance.

The purpose of this article is to teach you the best way to quote coverages and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. But vehicle owners can benefit by having an understanding of how the larger insurance companies price online insurance and apply this information to your search.

Best discounts on 1999 Mazda Protege coverage

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but less common discounts must be specially asked for prior to getting the savings.

  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Protege insurance than drivers with accidents.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Protege insurance.
  • Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Save with a New Car – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • E-sign – Some insurance companies will give a small break for buying your policy online.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with frequent claim filers.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

For a list of insurance companies who offer insurance coverage discounts, click this link.

Tailor your coverage to you

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • How much underlying liability do I need for an umbrella policy?
  • What discounts do I qualify for?
  • What is an SR-22 filing?
  • I have health insurance so do I need medical payments coverage?
  • When should I drop full coverage on my 1999 Mazda Protege?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Is there truth in advertising?

Car insurance providers like Geico, State Farm and Progressive regularly use ads in print and on television. They all have a common claim that you can save if you move your coverage to them. But how can every company make the same claim? It’s all in the numbers.

All companies have a preferred profile for the right customer that is profitable for them. A good example of a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who are not a match for the requirements will be charged a higher premium which usually ends up with the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can confidently make the claims of big savings.

That is why drivers should get quotes from several different companies. You cannot predict the company that will have the lowest Mazda Protege insurance rates.

The coverage is in the details

Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mazda Protege.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Liability coverage

Liability coverage can cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as loss of income, court costs, repair costs for stationary objects, funeral expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for surgery, X-ray expenses and dental work. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your Protege from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, hitting a parking meter, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, damage from a tornado or hurricane and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

One last thing about your coverage

Drivers change insurance companies for any number of reasons including poor customer service, policy cancellation, not issuing a premium refund or an unsatisfactory settlement offer. Whatever your reason, finding a new insurance company is actually quite simple.

Low-cost 1999 Mazda Protege insurance can be purchased from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of information how to get a better price on insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company.

Additional insurance information is available at the links below