Lower Your 2000 Mazda Protege Insurance Quotes

Do you get exhausted from sacrificing other expenses to buy insurance? Your situation is no different than many other drivers. Companies like State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with advertising and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

How to get insurance coverage price quotes

Finding low cost insurance coverage rates isn’t really that difficult. Just invest a little time comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The most efficient method consumers can analyze rates is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for separate quotation requests for every insurance coverage company. Filling out one form gets you coverage quotes from multiple companies.
A slightly less efficient method to obtain and compare quotes online is to manually visit the website for each individual company and request a quote. For sake of this example, we’ll pretend you want to see prices from Nationwide, 21st Century and Allstate. In order to compare rates, you need to spend time going to each site individually and repeatedly type in your coverage information, which can take a lot of time.
For a list of links to companies insuring cars in your area, click here.
The least efficient and most time consuming way to compare price quotes is driving around to insurance agencies in your area. Quoting and buying insurance online makes this process obsolete unless you have a complicated situation and need the peace of mind that only a licensed agent can provide. However, consumers can find lower rates online but have a local agent actually write the policy.

The approach you take is up to you, just ensure you’re using equivalent coverage information for every quote you compare. If you use different data it will be impossible to get a fair rate comparison.

Find hidden discounts to get affordable auto insurance quotes

Not many people think insurance is cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. A few discounts will automatically apply at the time of purchase, but a few must be asked about before you get the savings. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

Driver Education Discount – Require your teen driver to enroll in driver’s education in high school.
Paperwork-free – Certain larger companies will discount your bill up to fifty bucks shop car insurance on the web.
Professional Organizations – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on auto insurance.
Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more off the personal injury premium cost.
Good Student – This discount may save you up to 25%. Earning this discount can benefit you up to age 25.
Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.

Keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, you won’t be that lucky.

A list of companies and a summarized list of policyholder discounts include:

State Farm offers discounts for passive restraint, student away at school, Steer Clear safe driver discount, accident-free, Drive Safe & Save, and good student.
Liberty Mutual may include discounts for new vehicle discount, teen driver discount, exclusive group savings, newly retired, new graduate, and safety features.
American Family offers premium reductions for good driver, mySafetyValet, good student, defensive driver, bundled insurance, accident-free, and Steer into Savings.
Progressive discounts include online signing, continuous coverage, good student, homeowner, multi-vehicle, and online quote discount.
Farmers Insurance has savings for bundle discounts, electronic funds transfer, mature driver, switch companies, early shopping, multi-car, and teen driver.
Auto-Owners Insurance may offer discounts for student away at school, good student, safe vehicle, group or association, and anti-theft.
SAFECO may have discounts that include teen safe driver, safe driver, accident prevention training, bundle discounts, anti-theft, drive less, and multi-car.

When quoting, ask each insurance company how you can save money. Some of the earlier mentioned discounts might not be offered in your area. To view companies with the best discounts, click this link.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might point out whether your personal situation might need an agent’s assistance.

What if I total my 2000 Mazda Protege and owe more than it’s worth?
What can I do if my company won’t pay a claim?
Why do I only qualify for high-risk insurance?
Can I make deliveries for my home business?
What is UM/UIM insurance?
Who is covered when they drive my 2000 Mazda Protege?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Learn about insurance coverages for a Mazda Protege

Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Auto collision coverage

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

Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle, crashing into a ditch, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for surgery, pain medications and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects, emergency aid and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mazda Protege.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers claims like damage from flooding, a broken windshield, damage from getting keyed and hitting a bird. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.