1994 Mazda Protege Insurance Rates – 7 Tips to Save

Sick and tired of paying out the nose to keep your car insured? You’re in the same situation as most other drivers. There are many car insurance companies to buy insurance from, and although it’s nice to have a choice, more choices can make it harder to find the best rates.

Pricing affordable coverage is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you can use this information to reduce the price you pay and possibly find even better coverage. Drivers only need to know the proper way to shop over the internet.

Lower rate quotes by taking advantage of these seven discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that could drop your premiums quite a bit. Most are applied at the time of purchase, but less common discounts must be asked about prior to receiving the credit. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.

• One Accident Forgiven – but certain companies will let one accident slide before raising your premiums if your claims history is clear for a set time period.
• Early Payment Discounts – By making one initial payment rather than spreading payments over time you can avoid monthly service charges.
• Senior Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% on Protege coverage.
• Discount for New Cars – Buying a new car model may earn a small discount since newer models have better safety ratings.
• Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Driving Data Discount – Drivers that enable driving data submission to look at driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
• Accident-Free Discounts – Good drivers with no accidents pay less when compared to drivers with a long claim history.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.

To see a list of car insurance companies who offer free car insurance quotes, follow this link.

How to shop insurance online

Finding a better price on insurance is a fairly straight forward process. Consumers just need to take a few minutes comparing rate quotes provided by online insurance companies. It’s really simple and can be done in a couple of different ways.

1. The most efficient method to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for repetitive form entry to each individual insurance company. In just a few minutes this one form gets coverage cost estimates instantly.
2. A more time consuming way to get quotes online consists of going to each company’s website and fill out a new quote form. For sake of this example, we’ll assume you want to compare prices for Allstate, 21st Century and Liberty Mutual. In order to get each rate, you would have to go to each individual site and punch in your information repeatedly, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using the exact same coverage limits for every quote you compare. If your comparisons have differing limits you will not be able to truly determine the lowest rate.

How much insurance coverage do I need?

When buying the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions might point out whether your personal situation may require specific advice.

• Why am I required to buy liability insurance?
• Can I afford to buy a different vehicle if my 1994 Mazda Protege is totaled?
• I have health insurance so do I need medical payments coverage?
• Am I insured when driving a different vehicle?
• Do I have coverage if my license is suspended?
• What can I do if my company denied a claim?
• Who is covered by my policy?
• When do I need to add a new car to my policy?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Specific coverages for a Mazda Protege

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to other’s property or people in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mazda Protege.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Protege caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, backing into a parked car, hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses like doctor visits, prosthetic devices and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

In any little way, save everyday

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Cheap 1994 Mazda Protege insurance can be purchased from both online companies and from local agencies, so get free auto insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not offer the ability to get quotes online and most of the time these small insurance companies only sell through independent agencies.

More tips and info about car insurance can be found in the articles below:

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• Electronic Stability Control FAQ (iihs.org)