Lower Your 2000 Mazda Protege Insurance Quotes

Have you had enough of not being able to afford to buy car insurance? You are no different than most other car owners.

Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers to get the lowest price

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Finding the best rates is easy if you know what you’re doing. But consumers need to have an understanding of how big insurance companies market on the web.

Why you might be paying too much to insure your Mazda Protege

It’s important that you understand the factors that play a part in calculating the price you pay for insurance. Knowing what impacts premium levels helps enable you to make changes that may reward you with big savings.

  • Sex matters – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both are in accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive insurance rates.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for insurance? Occupations like judges, business owners and stock brokers tend to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, occupations like scientists, students and homemakers receive lower rates on Protege coverage.
  • Consolidate policies to earn discounts – The majority of insurers give discounts to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance from a different company.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can look forward to higher rates. Insurance companies provide discounts to people who are claim-free. Insurance coverage is meant to be used in the event of larger claims.
  • Being married can save on insurance – Getting married can get you a discount when buying insurance. Marriage usually means you are more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Where you live can impact rates – Residing in a rural area has it’s advantages when talking about insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. City drivers have congested traffic and much longer commute distances. More time commuting can result in more accidents.

Comprehensive Insurance Comparison Quotes

There are several ways to get quotes from local insurance companies. The quickest method to find competitive 2000 Mazda Protege insurance rates consists of shopping online. This can be done using a couple different methods.

  • The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for boring form submissions to each individual insurance company. Filling out one form will get you rate comparisons from many national carriers.
  • A more time consuming way to obtain and compare quotes online requires visiting the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want rates from Liberty Mutual, Progressive and State Farm. To get each rate you have to go to every website to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Whichever way you use, be sure to compare identical coverage limits and deductibles with each company. If you use different liability limits it’s impossible to determine the best price for your Mazda Protege. Slightly different coverages can make a big difference in price. And when comparing insurance rates, know that getting more free quotes helps locate a lower rate.

Companies offer discounts so take them!

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be inquired about before they will apply.

  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy could earn a price break for each car.
  • Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Save with a New Car – Insuring a new car can save up to 30% compared to insuring an older model.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But any discount will cut the amount you have to pay.

To see a list of insurers offering insurance coverage discounts, click this link.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. For example, these questions might point out whether your personal situation could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • Does insurance cover damages from a DUI accident?
  • What is no-fault insurance?
  • What can I do if my company denied a claim?
  • What is the ISO rating for a 2000 Mazda Protege?
  • How many claims can I have before being cancelled?
  • Which is better, split liability limits or combined limits?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Car insurance coverages and their meanings

Learning about specific coverages of your car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses like hospital visits, dental work, chiropractic care and nursing services. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability car insurance – This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as structural damage, attorney fees, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Comprehensive car insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, fire damage and damage from flooding. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Be a money saver!

The cheapest 2000 Mazda Protege insurance is definitely available both online as well as from independent agents, so compare prices from both to have the best selection. There are still a few companies who don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an accident victim reduced collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage for the lowest price.

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