2002 Mazda Protege Insurance Rates

Searching for better auto insurance rates for your Mazda Protege? Getting budget-priced auto insurance online can appear to be problematic for price shopping on the web. With so many insurers to choose from, how can consumers be able to compare each option to find the lowest price?

Finding affordable coverage is quite easy. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. But vehicle owners need to have an understanding of the way insurance companies market insurance on the web because it can help you find the best coverage.

Insurance rates are influenced by these factors

When buying car insurance it’s important to understand some of the factors that help calculate the level of your policy premiums. If you know what determines base rates, this enables you to make decisions that may result in cheaper rates. Many things are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but others are less obvious like your vehicle usage or how financially stable you are.

  • Don’t cut corners with liability insurance – The liability section of your policy kicks in if you are found to be at fault for damages caused by your negligence. This coverage provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to comp and collision, so do not cut corners here.
  • Traffic violations can increase costs – Having just one chargable violation may cause rates to rise by as much as twenty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have received multiple tickets like reckless driving or DUI may find they need to complete a SR-22 to the state department of motor vehicles in order to legally drive.
  • Big cities mean more claims – Living in areas with lower population can save you money when trying to find low car insurance rates. Residents of big cities have to deal with more auto accidents and more time behind the wheel. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft.
  • More policies can equal more savings – Most major insurers give a discount to people that have more than one policy such as combining an auto and homeowners policy. The discount can be 10 percent or more. Even with this discount, drivers will still want to get quotes from other companies to guarantee you are still saving the most. It’s possible to still find better rates by buying from different companies
  • Drive fewer miles and save – The more miles you rack up on your Mazda in a year the more you’ll pay to insure your vehicle. Many insurance companies calculate rates based on their usage. Autos that have low annual miles can be on a lower rate level than those used for commuting. An improperly rated Protege may be wasting your money. It’s a good idea to make sure your declarations sheet shows the correct driver usage, because it can save money.
  • Credit score impacts premium costs – A driver’s credit rating is a big factor in your rate calculation. If your credit score is not that good, you could save money insuring your 2002 Mazda Protege by improving your credit score. Insureds with high credit scores tend to be less risk to insure than drivers with poor credit scores.
  • Policy add-ons could be costing you – There are a ton of additional coverages that can waste your money if you aren’t careful. Coverages like rental car coverage, towing coverage, and extra life insurance coverage are probably not needed. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.

How to compare free insurance coverage quotes

There are several ways to compare prices from different insurance companies. The best method to comparison shop is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

The easiest and least time consuming way to get quotes is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do separate quotes for each company you want a rate for. One quote request will return price quotes from many national carriers. It’s the fastest way to compare.

A more time consuming way to find lower rates requires a trip to each individual company website and repeat the quote process again and again. For examples sake, we’ll pretend you want to get rates from Progressive, GEICO and GMAC. You would be required to navigate to each company’s site and repeatedly enter your information, which can take a lot of time.

For a list of companies in your area, click here.

The approach you take is up to you, just be certain you are entering the exact same coverage limits and deductibles for every quote you compare. If you have differing limits it’s impossible to truly determine the lowest rate. Even a minor difference in limits can make a big difference in price. It’s important to know that comparing more rates from different companies helps increase your odds of locating better pricing.

Don’t miss with these discounts

Companies do not advertise all possible discounts very well, so we took the time to find both well-publicized and the more hidden discounts that you may qualify for.

  • Telematics Devices – Drivers that enable their insurance company to scrutinize vehicle usage by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they have good driving habits.
  • Save over 55 – If you qualify as a senior citizen, you are able to get a small discount on rates on Protege insurance.
  • Save with a New Car – Insuring a new car can get you a discount since new vehicles are generally safer.
  • Active Service Discounts – Being on active duty in the military can result in better prices.
  • Good Drivers – Safe drivers can get discounts for up to 45% lower rates on Protege insurance than drivers with accident claims.
  • Multi-car Discount – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20% or more.

You should keep in mind that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will help lower your policy cost.

Insurance companies that may offer policyholders some of the above discounts include:

Before purchasing a policy, check with every prospective company what discounts are available to you. Some discounts listed above may not apply to policyholders in your state. To locate companies offering insurance discounts, click this link.

Your situation helps dictate your coverage

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Is my nanny covered when driving my vehicle?
  • Do I need an umbrella policy?
  • What if I total my 2002 Mazda Protege and owe more than it’s worth?
  • Is pleasure use cheaper than using my 2002 Mazda Protege to commute?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my ex-spouse still covered by my policy?
  • Where can I find high-risk insurance?
  • Do I need rental car coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages for a Mazda Protege

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, falling objects, hail damage, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family 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. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – Collision insurance pays for damage to your Protege resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, hitting a mailbox, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability insurance – Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, medical services, court costs, attorney fees and loss of income. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as funeral costs, rehabilitation expenses, dental work, nursing services and hospital visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Find Good Coverage for Less

When shopping online for insurance coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price and still be able to protect your assets.

In this article, we presented a lot of ways to get a better price on 2002 Mazda Protege insurance. The key thing to remember is the more quotes you get, the higher your chance of finding cheaper insurance. You may even find the best price on insurance coverage is with a small mutual company.

Budget-conscious 2002 Mazda Protege insurance is definitely available from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agencies.

More learning opportunities