Searching for the cheapest insurance coverage rates for your Mazda Protege? Do you get exhausted from being strong-armed to pay high insurance coverage rates every month? You’re in the same situation as millions of other vehicle owners. Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rate
Consumers should take time to do price comparisons on a regular basis because insurance coverage prices change regularly. Despite the fact that you may have had the best deal on Protege coverage six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn one of the easiest ways to lower your annual insurance bill.
Car insurance companies don’t always list every discount in a way that’s easy to find, so the below list has a few of the more well known as well as the least known discounts you could be receiving when you buy insurance coverage online. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.
As a sidenote, some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts should help lower your policy cost.
Companies and some of the premium reductions they offer can be found below.
Before you buy a policy, ask each company or agent what discounts are available to you. Depending on the company, some discounts may not be offered in your area. To see providers who offer cheap car insurance quotes, follow this link.
Consumers can’t ignore all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. They all seem to advertise claims about savings if you move to their company.
But how can every company charge less that you’re paying now?
Many companies quote the lowest rates for a prospective insured that earns them the highest profit. One example of a driver they prefer might be a married female, is a homeowner, and the vehicle is rated for pleasure use. A driver who matches that profile will get a cheap rate quote and therefore will cut their rates if they switch.
Potential customers who may not quite match those criteria may be required to pay a more expensive rate and this results in business going elsewhere. The ads say “drivers that switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can state the savings. This illustrates why you really need to get insurance coverage quotes as often as possible. It’s impossible to know with any certainty which company will give you lower premium rates than your current company.
When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine if you may require specific advice.
If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.
Uninsured and underinsured coverage
Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Comprehensive coverages
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as falling objects, hail damage, a broken windshield, a tree branch falling on your vehicle and fire 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.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, surgery, doctor visits, EMT expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Liability coverage
This coverage provides protection from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things such as funeral expenses, legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.
Collision insurance
This coverage covers damage to your Protege caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims like crashing into a building, driving through your garage door, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
In this article, we covered some good ideas how to compare 1997 Mazda Protege insurance rates online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the most savings is with a small local company. These smaller insurers may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm, Geico and Nationwide.
As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the lowest possible cost, but do not skimp to save money.
Cost effective 1997 Mazda Protege insurance can be bought online and from local insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not offer online quoting and usually these smaller companies only sell coverage through local independent agents.
To read more, take a look at these articles:
Faith Ramos
Checking in from Kansas City, MO. Quoted with GEICO, Auto-Owners, Farmers, and Hartford for my 1997 Mazda Protege and saved about $110 a year. They have a lot of discounts available. Online quotes are the way to go.
Ed Morrison
Corporate greed I’m telling you. I’m in the suburbs of Honolulu, HI. I got free prices from Western Auto Insurance, Amica, GMAC, and Nationwide for my Protege and I think I saved around $20 each month. I think they have home insurance too. When should I drop full coverage?
Renaldo Mercer
Checking in from Worcester, MA. Quoted a bunch of companies. Saved darn near $20 a month. 21st Century was the cheapest for me. Not sure about claim service. I don’t have comp or collision coverage.
Carlene Church
Liked the article. I live just outside Seattle, Washington. Quoted quotes from Auto-Owners, Sentry, and a few others for my 1997 Mazda Protege and saved just over $110 a year.
Fatimah Romero
Not sure if this is cheap. I’m in the east part of Greensboro, NC. Quoted with American Family, Erie, and Safeco for my 1997 Mazda Protege and saved around $60 a year. Left The General to switch. Thankfully I have a good driving record. It’s too old for full coverage.
Cassandra Mack
Will Progressive raise rates for a windshield claim?
Shaneka Ayers
Live in Charleston, West Virginia. Got car insurance quotes from AIG Insurance, Nationwide, and Travelers for my 1997 Mazda Protege and saved just over $70 a year. I have several vehicles insured with them. I don’t insure for physical damage though.
Desire Espinoza
If you have a clean record and live around Tampa, FL, check out State Farm. You might get cheaper rates. Wish I didn’t have to insure at all.
Genesis Wall
I’ve had Allstate for years. I’m in Knoxville, TN.
Samella Delacruz
Does Allstate have good customer service?
Tabatha Harmon
I got decent rates for a 1997 Mazda Protege in Biloxi, Mississippi. Ended up at about $90 every six months with American Family. Just liability coverage since it’s getting old.
Sophia Hinton
Live in Provo, Utah. Can’t remember who all I quoted but I ended up saving about $20 each month. Thankfully I have a good driving record. It never hurts to quote around.