1994 Mazda Protege Insurance Rates – 9 Savings Tips

Trying to find the cheapest car insurance rates for your Mazda Protege? Searching for the cheapest insurance for a new or used Mazda Protege can be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to shop for car insurance so we’re going to tell you the proper way to price shop coverage for your Mazda and locate the lowest price from both online companies and local agents.

It’s a good habit to compare rates once or twice a year due to the fact that insurance prices change frequently. Even if you think you had the lowest price on Protege insurance last year you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to use the internet to properly buy coverages and cut your premium.

How to compare insurance quotes

Most companies such as GEICO, State Farm and Progressive allow you to get prices for coverage from their websites. Comparing rates online is very simple as you simply type in your coverage information on the page. When the form is submitted, their system requests your driving and credit reports and provides a quote based on the information you submitted.

Online price estimates makes comparing rates easy, but the process of having to visit different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible in order to get the best price possible.

There is an easier way!

The smarter way to compare insurance pricing uses one simple form that gets prices from more than one company. It’s a real time-saver, reduces the work, and makes rate comparisons a little more enjoyable. Once the form is submitted, it gets priced and you can select any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.

To use this form to compare rates, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended that you enter the insurance coverages as shown on your current policy. This guarantees you’re receiving an apples-to-apples comparison for similar insurance coverage.

Insurance policy discounts you can’t miss

Car insurance companies do not advertise the complete list of policy discounts very well, so here is a list a few of the more well known as well as some of the hidden credits that may apply to you. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

  • Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
  • Air Bag Discount – Options like air bags and/or automatic seat belt systems could see savings of more than 20%.
  • Discounts for Good Drivers – Insureds without accidents can save as much as half off their rates on Protege insurance compared to rates paid by drivers with frequent claims.
  • Driver Education Discount – Have your child participate in a local driver’s education class as it can save substantially.
  • Discount for Home Ownership – Owning a home can get you a discount because of the fact that having a home shows financial diligence.
  • Drive Less and Save – Driving fewer miles may enable drivers to earn cheaper insurancerates.
  • Paperless Signup – Many companies will give a small break get car insurance over the internet.
  • Buy New and Save – Adding a new car to your policy can cost up to 25% less because newer models have to meet stringent safety requirements.
  • Discount for Swiching Early – Some insurance companies provide a discount for switching policies prior to your current policy expiring. Ten percent is about the average savings.

Policy discounts save money, but most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some companies that may offer quotes with these discounts possibly include:

When getting a coverage quote, ask every insurance company how many discounts you can get. Some discounts listed above may not apply in every state. To choose insurance companies who offer discounts, click here.

Insurance agents can help

When it comes to buying the best insurance coverage coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Will my rates increase for filing one claim?
  • Can I drive in Mexico and have coverage?
  • Am I covered if I wreck a rental car?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my 1994 Mazda Protege need full coverage?
  • Is motorclub coverage worth it?
  • Does car insurance cover theft of personal property?
  • Do I need replacement cost coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, colliding with another moving vehicle, colliding with a tree, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses such as surgery, chiropractic care and EMT expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance

This provides protection from damage that occurs to a person or their property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical services, repair costs for stationary objects, court costs and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1994 Mazda Protege.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Find Good Coverage for Less

More affordable insurance coverage can be found both online and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance coverage companies do not provide the ability to get a quote online and usually these regional carriers only sell through independent insurance agencies.

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, delays in responding to claim requests, policy non-renewal or even high rates after DUI convictions. Whatever your reason, finding the right insurance coverage provider is easier than you think.

When getting car insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Additional insurance coverage information can be found below: