2003 Mazda Protege Insurance Quotes – 9 Tricks for Cheapest Rates

Want lower auto insurance rates for your Mazda Protege? Have you fallen victim to overpriced auto insurance? Believe me, you are not the only one feeling buyer’s remorse. With so many choices, it is very difficult to choose the most affordable insurer.

Don’t miss these nine discounts

Companies offering auto insurance do not list all their discounts very well, so we researched some of the more common as well as the least known ways to save on insurance. If you don’t get every credit you qualify for, you are throwing money away.

  • Multi-policy Discount – When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Protege insurance than less cautious drivers.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Own a Home – Being a homeowner may trigger a insurance policy discount due to the fact that maintaining a home requires personal responsibility.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, you’re out of luck.

A partial list of companies that possibly offer these discounts include:

Check with each insurance company what discounts are available to you. All car insurance discounts might not apply in your area.

When might I need help?

When buying proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight if you would benefit from professional advice.

  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving a rental car?
  • Where can I find high-risk insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Am I missing any policy discounts?
  • Am I covered if I hit my neighbor’s mailbox?
  • How do I buy GAP insurance?
  • When should I not file a claim?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, fire damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

This coverage can cover injuries or damage you cause to a person or their 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. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Auto collision coverage

This coverage pays for damage to your Protege from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, hitting a mailbox, hitting a parking meter, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills like dental work, EMT expenses, prosthetic devices, funeral costs and ambulance fees. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

We just covered some good ideas how you can save on 2003 Mazda Protege insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a small mutual company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped full coverage only to regret that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest price.

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