1996 Mazda Protege Car Insurance Rates

Having to pay for pricey Mazda Protege insurance can consume your funds and force you to prioritize other expenses. Comparing rate quotes is free and is an excellent way to make ends meet.

You have so many insurers to insure vehicles with, and although it’s nice to have multiple companies, it makes it harder to find the best rates for your vehicles.

You should make it a habit to compare prices quite often because rates fluctuate regularly. Despite the fact that you may have had the best deal on Protege coverage six months ago you can probably find a better price now. You can find a lot of information about insurance coverage on the web, but you can learn some great ideas on how to stop overpaying for insurance.

This information will introduce you to how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. But drivers must comprehend the way insurance companies determine prices because it can help you find the best coverage.

Buy insurance coverage online

Most larger insurance companies such as Progressive, Allstate and GEICO allow consumers to get coverage price quotes online. The process can be done by anyone because you just enter the coverages you want into a form. After you submit the form the quote system automatically orders credit information and your driving record and quotes a price based on the information you submitted. This makes comparing rates easy, but the work required to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s also necessary to do this if you are searching for the best price on insurance coverage.

A less time-consuming method to locate the lowest prices uses one simple form that gets price quotes from several companies at one time. It saves time, eliminates repetitive work, and makes online quotes much simpler. After your information is entered, it gets priced and you can select any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process takes just a few minutes to complete and may save quite a bit of money.

To save time and get comparison pricing now, click here to open in new window and submit the form. If you have your current policy handy, we recommend you input deductibles and limits as close as possible to your current policy. This guarantees you will get comparison quotes for similar coverage.

Take advantage of these premium-slashing discounts

Auto insurance companies don’t list all their discounts very clearly, so the next list breaks down both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Life Insurance Discount – Select insurance carriers reward you with a discounted rate on car insurance if you buy a life policy as well.
  • Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
  • One Accident Forgiven – This one is not really a discount per se, but companies like Allstate and Progressive allow you one accident without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off the personal injury premium cost.
  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Active Service Discounts – Being on active deployment in the military could be rewarded with lower rates.
  • Government Employee Discount – Active or retired federal employment could provide a small rate reduction on Protege coverage with certain companies.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think you could get a free insurance policy, that’s just not realistic.

Companies and a selection of discounts are included below.

  • Farm Bureau includes discounts for 55 and retired, renewal discount, multi-policy, multi-vehicle, youthful driver, driver training, and good student.
  • MetLife may have discounts that include multi-policy, claim-free, good driver, accident-free, and defensive driver.
  • Progressive offers discounts including good student, multi-vehicle, online signing, multi-policy, online quote discount, and homeowner.
  • AAA offers discounts for anti-theft, good driver, pay-in-full, multi-policy, good student, and multi-car.
  • American Family has discounts for multi-vehicle, bundled insurance, good student, early bird, and air bags.
  • GEICO may include discounts for driver training, good student, membership and employees, multi-policy, air bags, and federal employee.
  • State Farm may offer discounts for safe vehicle, passive restraint, multiple policy, driver’s education, and multiple autos.

When getting a coverage quote, ask all the companies which discounts you may be entitled to. Some discounts might not be offered in your area.

Do I need special coverages?

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Can I rent a car in Mexico?
  • How can I force my company to pay a claim?
  • How can I get my company to pay me more for my totalled car?
  • I don’t drive much so do I pay less?
  • What is the minimum liability in my state?
  • Do I benefit by insuring my home with the same company?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have newly-aquired coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a 1996 Mazda Protege

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

Liability coverage

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, vandalism, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as rehabilitation expenses, prosthetic devices, hospital visits, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

One last thing about your coverage

We covered quite a bit of information on how to lower your 1996 Mazda Protege insurance prices. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the most savings is with some of the smallest insurance companies. They may only write in your state and offer lower rates than the large multi-state companies such as GEICO and State Farm.

When shopping online for insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone dropped liability coverage limits only to find out that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

Budget-friendly insurance coverage is available both online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers prefer to sell through independent insurance agents.

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