Save on 1999 Mazda Protege Insurance Quotes

Want lower auto insurance rates for your Mazda Protege? When shopping for more affordable insurance, are you intimidated by the wide range of auto insurance sources that you can choose from? Many other drivers are too. You have such a vast assortment of sources available that it can really be more work than you anticipated to find better rates.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. This article will help educate you on how to get online quotes. But consumers must understand the way companies market insurance on the web because it can help you find the best coverage.

Take policy discounts and save

Companies that sell car insurance don’t list all disounts very clearly, so the following is a list of some of the best known as well as some of the hidden car insurance savings. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Early Switch Discount – Some companies provide a discount for renewing your policy before your current policy expires. The savings is around 10%.
  • Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on a single policy qualifies for this discount.
  • Government Employees – Active or retired federal employment could provide a small rate reduction on Protege insurance depending on your company.
  • ABS Brakes – Vehicles with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
  • Auto/Life Discount – Select companies reward you with a break if you buy life insurance.
  • Homeowners Savings – Just owning your own home can save you money since home ownership is proof of financial responsibility.
  • Driver Safety – Successfully completing a defensive driver course could earn you a small percentage discount and easily recoup the cost of the course.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings of up to 25% or more.

Just know that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few of the larger companies and the discounts they provide can be found below.

  • State Farm offers discounts including anti-theft, driver’s education, passive restraint, safe vehicle, defensive driving training, Drive Safe & Save, and accident-free.
  • Progressive may offer discounts for homeowner, good student, online quote discount, online signing, continuous coverage, and multi-vehicle.
  • Progressive policyholders can earn discounts including multi-policy, online signing, multi-vehicle, online quote discount, continuous coverage, and good student.
  • MetLife discounts include defensive driver, good driver, multi-policy, good student, claim-free, accident-free
  • Farm Bureau may have discounts that include safe driver, 55 and retired, multi-vehicle, good student, driver training, youthful driver, and multi-policy.
  • GEICO offers discounts for defensive driver, membership and employees, seat belt use, military active duty, and multi-policy.
  • SAFECO offers premium reductions for bundle discounts, teen safe driver, multi-car, anti-theft, teen safety rewards, and drive less.

If you want cheap insurance quotes, ask each company how you can save money. A few discounts might not be offered on policies in your state. For a list of car insurance companies with discount rates, click here to view.

Why you might pay increased rates

Many things are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other criteria are not quite as obvious such as your marital status or your financial responsibility.

The list below includes some of the factors car insurance companies consider when setting your rates.

  • Higher coverage deductibles reduce premiums – Physical damage deductibles define how much you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, also called ‘full coverage’, insures against damage to your car. Some examples of covered claims are collision with another vehicle, damage from fire, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Protege insurance.
  • Do you really need to file that insurance claims? – Companies give the best rates to people who are not frequent claim filers. If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Insurance coverage is intended for more catestrophic claims.
  • Miles impacts rates – The more you drive in a year’s time the more you’ll pay to insure it. Many insurance companies calculate rates based on how the vehicle is used. Cars and trucks that do not get driven very much get more affordable rates than vehicles that are driven to work every day. Make sure your policy shows the correct usage for each vehicle. A policy that improperly rates your Protege is just wasting money.
  • Men are more aggressive – Statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. Females and males get in auto accidents in similar percentages, but men tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like driving under the influence (DUI). Males from age 16 to 21 generally have the highest accident percentage so it costs more to insure them.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions might point out if your insurance needs could use an agent’s help.

  • Am I missing any policy discounts?
  • Is my state a no-fault state?
  • Should I buy additional glass protection?
  • Do I need roadside assistance coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • How many claims can I have before being cancelled?
  • Do I need PIP coverage since I have good health insurance?
  • Should I sign the liability waiver when renting a car?
  • Are my friends covered when driving my 1999 Mazda Protege?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage breakdown

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 1999 Mazda Protege.

Because many people 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. Usually these limits are set the same as your liablity limits.

Auto collision coverage

This covers damage to your Protege from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive car insurance

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

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for ambulance fees, EMT expenses and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

This protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as bail bonds, medical expenses, emergency aid, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Quote often and quote early

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. In many instances, consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best cost, but do not skimp to save money.

Budget-conscious 1999 Mazda Protege insurance is available on the web and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get quotes online and usually these smaller companies sell through independent insurance agents.

You just read quite a bit of information on how to shop for 1999 Mazda Protege insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

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