Lower Your 1999 Mazda Protege Insurance Rates

Consumers have a choice when looking for affordable Mazda Protege insurance. You can either waste hours driving around to get rate comparisons or use the internet to compare rates.

There are both good and bad ways to buy car insurance so you’re going to learn the absolute fastest way to quote coverages on a Mazda and find the cheapest rates either online or from local insurance agents.

Auto insurance discounts are available to lower your rates

Auto insurance is not cheap nor is it fun to buy but you may find discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time of purchase, but a few need to be specifically requested prior to getting the savings.

  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Drivers Education – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
  • Driver Safety – Taking a course teaching defensive driver skills could save 5% or more if your company offers it.
  • Sign Early and Save – A few companies offer discounts for switching companies before your current expiration date. You may see this discount when you get insurance quotes online.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy with one insurance company you will save up to 20% off your total premium.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off PIP or medical payments premium.
  • Paper-free Discount – Some of the larger companies will provide an incentive for signing up on the internet.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.

A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, you won’t be that lucky.

Larger auto insurance companies and their offered discounts can be found below.

  • State Farm may offer discounts for multiple autos, anti-theft, safe vehicle, multiple policy, good student, defensive driving training, and accident-free.
  • Farmers Insurance offers discounts including homeowner, pay in full, alternative fuel, good student, multi-car, and early shopping.
  • Progressive offers premium reductions for homeowner, online quote discount, multi-policy, continuous coverage, online signing, and multi-vehicle.
  • Geico may have discounts that include air bags, military active duty, anti-theft, anti-lock brakes, five-year accident-free, defensive driver, and multi-vehicle.
  • Auto-Owners Insurance discounts include group or association, multiple vehicles, anti-lock brakes, paperless, anti-theft, safe driver, and student away at school.
  • The Hartford policyholders can earn discounts including good student, vehicle fuel type, driver training, anti-theft, air bag, defensive driver, and bundle.
  • Farm Bureau has savings for multi-policy, multi-vehicle, good student, driver training, and renewal discount.
  • USAA has discounts for good student, defensive driver, loyalty savings, family discount, vehicle storage, safe driver, and new vehicle.

Before buying, ask each company or agent what discounts are available to you. Some discounts listed above may not apply in every state. To see a list of companies with discount rates, click here to view.

Everyone needs different car insurance coverages

When it comes to buying the best car insurance coverage, there is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might help in determining if you would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Does medical payments coverage apply to all occupants?
  • Are split liability limits better than a combined single limit?
  • Does my policy pay for OEM or aftermarket parts?
  • I have a DUI can I still get coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

This pays for damage to your Protege from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as funeral expenses, medical expenses, pain and suffering, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a bird, damage from getting keyed, hitting a deer and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mazda Protege.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as X-ray expenses, nursing services and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Save your hard earned cash

A few companies do not offer online rate quotes and these regional carriers prefer to sell through local independent agencies. Cheaper 1999 Mazda Protege insurance can be bought both online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

Insureds who switch companies do it for a number of reasons such as delays in paying claims, delays in responding to claim requests, unfair underwriting practices and even not issuing a premium refund. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

You just read a lot of techniques to save on 1999 Mazda Protege insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the smaller companies.

Even more information can be read by following these links:

Comments About 1999 Mazda Protege Insurance

  1. Ilona Powers

    Not sure what I should be paying. I’m in the suburbs of Baltimore, Maryland. I compared lots of rates. Saved about $20 a month. 21st Century was the best choice for me. Insured with GMAC before. I’m thinking about dropping full coverage though.

  2. Dominica Rivas

    Lifelong resident of Spokane, Washington. Got car insurance quotes with AAA, Safeco, and a few others for my Protege and saved just over $110 a year. :)

  3. Lyla Leach

    I switched to 21st Century. Quoted good rates in Minneapolis, MN. Might find lower rates online. It’s too old for full coverage.

  4. Stepanie Logan

    Will 21st Century rates go up if I file a claim?

  5. Asha Hunter

    Lifelong resident of New Haven, CT. I quoted with GEICO, Hartford, and Erie for my Mazda and I’m now saving $15 a month. :) I’m thinking about dropping full coverage though.

  6. Bernie Ayala

    Cheaper not always better. From Green Bay, WI. I quoted with GEICO, American Family, and Farmers for my 1999 Mazda Protege and saved just over $80 a year. Left MetLife to switch. It’s still not cheap enough. I don’t put full coverage on it.

  7. Daniel Golden

    I went with Allstate at renewal. Best rates in South Burlington, VT. Left Amica to switch. I have a couple other vehicles on the policy. I don’t insure for physical damage though.

  8. Phil Callahan

    If you have a good history and are close to Portland, Oregon, check out Progressive. You might get cheaper rates. Insured with Hanover before. BTW speeding tickets are not good. Are quotes cheaper online?

  9. Maryrose Little

    From Burlington, VT. I quoted with MetLife, Encompass, Progressive, and American Family for my 1999 Mazda Protege and saved $97 a year. It’s still not cheap enough. Just liability coverage since it’s getting old.

  10. Kathyrn Rowe

    I compared a lot of rate quotes for a 1999 Mazda Protege in Raleigh, North Carolina. Ended up at about $100 every six months with Auto-Owners. I just quoted rates online. It’s only liability tho.