Save on 2003 Mazda Mazdaspeed Protege Car Insurance Cost

I can’t think of anyone who looks forward to paying for car insurance, particularly when they are paying too much. Companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with ads and it is difficult to ignore the propoganda and find the best price available.

Comprehensive Auto Insurance Comparison

Getting a lower price on 2003 Mazda Mazdaspeed Protege insurance can be surprisingly simple. Just spend a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form eliminates the need for separate quote forms to each individual auto insurance company. One form submission will get you rate comparisons from all major companies.

A slightly less efficient method to find lower rates is spending the time to visit the website for each individual company to request a price quote. For example, let’s say you want comparison quotes from Liberty Mutual, Progressive and Farmers. You would have to spend time on each company’s site and enter your information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

The hardest method of comparing rate quotes is to spend your day driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional advice of a licensed agent. It is possible to comparison shop online and get advice from an agent in your area and we’ll touch on that later.

Which method you use is up to you, but be sure to compare identical coverage limits and deductibles for each comparison quote. If you have different values for each quote you can’t possibly find the best deal for your Mazda Mazdaspeed Protege.

Get lower rates on Mazda Mazdaspeed Protege insurance

Companies don’t always advertise all their discounts very well, so we researched some of the more common and also the lesser-known ways to save on insurance coverage. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Driver Safety – Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Memberships – Affiliation with certain professional organizations may earn a discount when shopping for insurance coverage on Mazdaspeed Protege coverage.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • E-sign – Certain companies give back up to $50 for buying your policy online.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

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

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions might help in determining if you could use an agent’s help.

  • When should my teen driver be added to my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • When would I need additional glass coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my Mazda Mazdaspeed Protege covered if I use it for business?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Liability

This coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, funeral expenses, bail bonds and repair costs for stationary objects. How much coverage you buy is your choice, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mazda Mazdaspeed Protege.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird, hail damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This coverage pays for damage to your Mazdaspeed Protege resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, hitting a parking meter, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as pain medications, chiropractic care, ambulance fees, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay