1991 Mazda Protege Insurance Quotes – 10 Savings Tips

I can’t think of anyone who enjoys paying for insurance, especially when they are aware that they could get a better deal.

Numerous car insurance companies battle for your business, so it’s not easy to compare every provider to find the best rates possible.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Choosing the best insurance company for you is not rocket science. But vehicle owners can benefit by having an understanding of how the larger insurance companies sell online and use this information to your advantage.

Take advantage of these ten money-saving discounts

Companies do not list the complete list of policy discounts in an easy-to-find place, so the list below details some of the best known and also the more inconspicuous savings tricks you should be using when you buy car insurance online.

• Defensive Driving Course – Passing a safe driver class could earn you a small percentage discount and make you a better driver.
• Lower Rates for Military – Being on active deployment in the military could qualify you for better premium rates.
• No Claims – Drivers who stay claim-free can save substantially compared to frequent claim filers.
• Theft Deterent – Cars equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
• Braking Control Discount – Cars and trucks with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• E-sign Discounts
• Buy New and Save – Putting coverage on a new car can save you some money since new vehicles are generally safer.
• Multi-line Discount – Some insurance companies give a small discount if you purchase a life insurance policy as well.
• Bundled Policy Discount – When you have multiple policies with one insurance company they may give you a discount of approximately 10% to 15%.
• Fewer Miles Equal More Savings – Driving fewer miles may allow you to get lower rates due to less chance of an accident.

A quick disclaimer, many deductions do not apply to the entire cost. Most only cut individual premiums such as medical payments or collision. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

If you would like to view insurance companies that offer many of these discounts, click here.

Do I need special coverages?

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions could help you determine whether you could use an agent’s help.

• Will I be non-renewed for getting a DUI or other conviction?
• How can I find cheaper teen driver insurance?
• Am I covered when driving someone else’s vehicle?
• Do I need motorclub coverage?
• Am I missing any policy discounts?
• Are rock chip repairs covered?
• Am I covered if I wreck a rental car?
• Am I covered if I hit a deer?
• Do I have coverage when pulling a U-Haul trailer?
• Can I still get insurance after a DUI?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find 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.

Coverage specifics

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, theft and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like emergency aid, pain and suffering and funeral expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your Protege from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for ambulance fees, nursing services, X-ray expenses, dental work and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Do the work, save more money

We just covered a lot of techniques to get a better price on 1991 Mazda Protege insurance. The key thing to remember is the more you quote car insurance, the better your comparison will be. Consumers may even find the lowest rates are with the smaller companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

Cheaper 1991 Mazda Protege insurance can be purchased online in addition to local insurance agencies, so get free car insurance quotes from both of them so you have a total pricing picture. There are still a few companies who don’t offer online rate quotes and these small, regional companies only sell through independent agents.

To read more, feel free to visit these articles:

• Teen Driving Statistics (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)