1995 Mazda Protege Insurance Quotes

Trying to find lower insurance coverage rates for your Mazda Protege? Feel like you have an underperforming, overpriced insurance coverage policy? It’s quite common and there are many consumers feeling the pinch from expensive insurance coverage.

Drivers have many insurance companies to buy insurance from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

It’s a good habit to take a look at other company’s rates before your policy renews because insurance prices change frequently. Even if you got the lowest rates for Protege insurance six months ago you can probably find a better rate quote now. Ignore everything you know about insurance coverage because you’re going to learn the best way to save money, get proper coverage and the best rates.

Mazda Protege insurance rate factors

It’s important that you understand some of the things that help determine auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to much lower annual insurance costs.

• Where do you drive? – The higher the miles on your Mazda each year the higher the price you pay to insure it. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars that have low annual miles receive better premium rates than vehicles that are driven to work every day. Having an incorrect usage rating on your Protege may be costing you. It’s a smart idea to ensure your vehicle rating properly reflects the proper vehicle usage, because it can save money.
• Insure car and home with the same company – Lots of companies provide a discount to customers who have multiple policies with them in the form of a multi-policy discount. Discounts can be 10 percent or more. Even if you already get this discount, you may still want to get quotes from other companies to verify if the discount is saving money.
• Premiums drop with age – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.Youthful drivers tend to be inattentive and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
• Discounts for married drivers – Your spouse may cut your premiums on auto insurance. Marriage translates into being more mature than a single person and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Never go without auto insurance – Driving without insurance coverage in place is not a good idea and auto insurance companies will penalize you for letting your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance may result in fines or a revoked license.
• Accidents mean higher premiums – Attentive drivers get better prices compared to bad drivers. Even a single driving citation can increase the cost of insurance forty percent or more. Drivers unfortunate enough to have license-revoking citations like hit and run, DWI or reckless driving convictions may be required to prove financial responsibility with the DMV in their state in order to legally drive a vehicle.
• Women pay lower costs – The statistics show that females tend to be a little less risky than males. However, don’t assume that women are better drivers. Both genders get in accidents in similar numbers, but the male of the species tend to have higher claims. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving.

Take advantage of every auto insurance discount

Some insurers don’t always advertise every policy discount very well, so the list below contains both well-publicized and the more hidden discounts that you may qualify for.

• Savings for New Vehicles – Buying a new car instead of a used car is cheaper because new model year vehicles have to meet stringent safety requirements.
• Own a Home – Just being a homeowner may earn you a small savings because it is proof that your finances are in order.
• First Accident Forgiveness – Not necessarily a discount, but a few companies such as Progressive, Allstate, and Geico permit an accident before raising your premiums as long as you don’t have any claims for a specific time period.
• Student Discount for Driver Training – Require your teen driver to take driver’s ed class in school.
• Low Miles Discount – Fewer annual miles on your Mazda could be rewarded with discounted premium rates on garaged vehicles.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you lower premium rates if you buy some life insurance in addition to your auto policy.

We need to note that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A list of auto insurance companies and a summarized list of policyholder discounts can be read below.

• State Farm may have discounts that include driver’s education, passive restraint, Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, good driver, and anti-theft.
• Progressive may offer discounts for homeowner, multi-vehicle, good student, online quote discount, online signing, and continuous coverage.
• Travelers may include discounts for IntelliDrive, continuous insurance, student away at school, driver training, and save driver.
• American Family has discounts for good driver, defensive driver, bundled insurance, multi-vehicle, and Steer into Savings.
• Liberty Mutual discounts include safety features, multi-car, new move discount, good student, and preferred payment discount.

Before you buy a policy, ask every company how you can save money. All car insurance discounts may not apply in every state. To see insurance companies offering auto insurance discounts, click here.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might help in determining if your situation might need an agent’s assistance.

• Is a fancy paint job covered?
• Is my vehicle covered by my employer’s policy when using it for work?
• Will my rates increase for filing one claim?
• Is a new car covered when I drive it off the dealer lot?
• What happens if I owe more than my 1995 Mazda Protege is worth?
• Is a blown tire covered by insurance?
• What is roadside assistance coverage?
• Am I covered when driving in Canada or Mexico?
• Do I really need UM/UIM coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages explained

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from car insurance companies.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses like hospital visits, rehabilitation expenses, funeral costs and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Protege resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, rolling your car, scraping a guard rail, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims such as loss of income, court costs, medical services, repair bills for other people’s vehicles and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive car insurance

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

Comprehensive coverage pays for claims like hitting a deer, hitting a bird, damage from flooding, damage from getting keyed and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Saving money is sweet as honey

You just learned a lot of information how to lower your 1995 Mazda Protege insurance rates. It’s most important to understand that the more times you quote, the better chance you’ll have of finding affordable insurance. Consumers may even find the lowest rates are with a small mutual company. Smaller companies often have lower auto insurance rates on specific markets than their larger competitors like State Farm, Geico and Nationwide.

As you prepare to switch companies, do not skimp on coverage in order to save money. In too many instances, an insured cut liability coverage limits only to regret at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

To read more, take a look at the resources below:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Red Light Cameras (State Farm)
• Get the Right Protection (InsureUonline.org)
• How do I File a Claim? (Insurance Information Insitute)