1993 Mazda Protege Insurance Rates – 10 Tips for Best Quotes

Shopping for more affordable insurance online is somewhat difficult for consumers that are relatively new to comparing rates and buying insurance on the web. With more and more companies competing online, how can you even start to compare the different rates to find the cheapest rates?

Consumers should take time to take a look at other company’s rates once or twice a year since insurance rates are variable and change quite frequently. Just because you had the best premium rates on Protege coverage a couple years back there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because we’re going to show you the fastest and easiest way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. This information will familiarize you with the most effective way to quote insurance and some tricks to saving. Although vehicle owners can benefit from knowing how the larger insurance companies price online insurance and apply this information to your search.

Buy auto insurance online

There are a lot of ways you can shop for auto insurance but some are more efficient than others. You could spend the better part of a day talking to insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Most major companies participate in an industry program that enables customers to submit their information once, and at least one company returns a rated price for coverage. This eliminates the need for quote forms for each company you want a rate for. To use this form to compare rates click here to open in new window.

The single downside to doing it this way is you are unable to specify which insurance companies you will receive quotes from. So if you want to choose specific insurance companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare the exact same coverage limits for each quote you get. If the quotes have different coverage information it’s not possible to determine the best price for your Mazda Protege. Having just a slight variation in coverage limits can result in a big premium difference. And when comparison shopping, quoting more increases the change that you will find the best price. Some smaller insurers to not give online rate quotes, so it’s necessary to compare quotes from the smaller companies as well.

Is there deception in advertising?

Insurance coverage providers like Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the ads make an identical promise of big savings if you switch your insurance coverage coverage to their company. How do they all make almost identical claims? It’s all in the numbers.

Different companies quote their cheapest rates for the type of driver that earns them a profit. One example of this type of driver might be married and over the age of 30, has never had a policy lapse, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get very good car insurance rates and will probably pay quite a bit less when switching companies.

Drivers who don’t meet the ideal profile must pay a higher premium which usually ends up with the prospect going elsewhere. The trick is to say “people that switch” but not “everyone who gets a quote” save money. That is how insurance companies can make it sound like they have such great premium rates.

This really illustrates why it’s extremely important to quote coverage with many companies. Because you never know which insurance companies will provide you with the cheapest car insurance rates.

Find discounts on insurance coverage

Some providers do not list all disounts very well, so we researched some of the more common and the harder-to-find discounts you could be receiving when you buy insurance coverage online.

  • Multi-line Discount – Larger companies have a lower price if you buy a life policy as well.
  • Low Miles Discount – Maintaining low annual mileage may enable drivers to earn cheaper rates.
  • Government Employees – Federal government employees can earn a discount up to 10% on Protege coverage depending on your company.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the PIP or medical payment premium.
  • Air Bag Discount – Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
  • Auto/Home Discount – If you can combine your auto and homeowners policy with the same company you could save as much as 10 to 15 percent.
  • Clubs and Organizations – Being a member of a qualifying organization is a simple method to lower premiums when shopping for insurance coverage.
  • Sign Early and Save – Some insurance coverage companies provide a discount for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • E-sign – Some larger companies may give you up to $50 for buying your policy on their website.
  • More Vehicles More Savings – Buying a policy with all your vehicles on a single policy could earn a price break for each car.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, insurance coverage companies aren’t that generous.

If you would like to view insurers that offer the discounts shown above, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Who is covered when they drive my 1993 Mazda Protege?
  • Does my insurance cover a custom paint job?
  • What is an SR-22 filing?
  • Should I bundle my homeowners policy with my auto?
  • Why am I required to get a high-risk car insurance policy?
  • Is motorclub coverage worth it?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance 101

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda Protege.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, surgery, funeral costs, hospital visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as legal defense fees, medical expenses, funeral expenses and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Protege resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter, damaging your car on a curb, crashing into a building 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 raise the deductible to bring the cost down.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, hail damage, hitting a deer, a broken windshield and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

A penny earned…

We just presented some good ideas how to save on 1993 Mazda Protege insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding low cost insurance coverage. Consumers may even find the best car insurance rates are with a smaller regional carrier.

When searching for cheaper insurance coverage quotes, never buy poor coverage just to save money. Too many times, an insured cut comprehensive coverage or liability limits only to find out that it was a big mistake. Your focus should be to buy the best coverage you can find at the best price while still protecting your assets.

Drivers leave their current company for any number of reasons including poor customer service, extreme rates for teen drivers, delays in paying claims and an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

For more information, feel free to browse the resources below: