Cheaper 2000 Mazda Protege Car Insurance Quotes

Looking for cheaper insurance rates for your Mazda Protege? I can’t think of anyone who likes buying insurance, especially when they are aware that they could lower their rates if they shopped around.

Since you have so many online and local companies to choose from, it is hard for the average consumer to pick the most cost effective insurance company.

These discounts can lower your insurance rates

Companies offering auto insurance don’t always publicize all possible discounts very clearly, so below is a list some of the best known and also the lesser-known insurance savings.

• Organization Discounts – Participating in a professional or civic organization could qualify you for a break on your bill.
• Paperwork-free – A few larger online companies will give a small break shop insurance on their website.
• Multi-Vehicle Discounts – Drivers who insure all your vehicles on one policy may reduce the rate for each vehicle.
• Policy Bundle Discount – If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.
• Theft Deterent – Vehicles that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
• Senior Citizen Discount – Older drivers can get better insurance rates for Protege coverage.
• Discount for Low Mileage – Low mileage vehicles may enable drivers to earn better prices on cars that stay parked.
• Discounts for Responsible Drivers – Insureds without accidents may save up to 50% more for Protege coverage compared to rates paid by drivers with frequent claims.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts should help lower your policy premiums.

A partial list of companies that possibly offer these benefits are:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

If you are trying to find cheap insurance quotes, ask all companies you are considering how many discounts you can get. A few discounts might not apply everywhere.

How to compare free insurance rate quotes

When shopping for low cost insurance quotes, there are a couple of ways of comparing rate quotes from many different insurance companies. The quickest method to comparison shop is simply to get online rate quotes. It’s really quite simple and can be done in several different ways.

1. The most efficient way consumers can analyze rates is a comparison rater form click to view form in new window. This easy form saves time by eliminating separate quote forms for each company you want a rate for. A single form gets you price quotes from several companies.
2. A different way to find better pricing requires you to visit each company website to complete a price quote. For sake of this example, let’s assume you are doing a rate comparison from Geico, Liberty Mutual and Travelers. To do that, you would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

3. The least efficient way to find and compare rates is going to and from local insurance agencies. The internet can eliminate the need for a local agent unless you want the advice and guidance that you can only get from talking to an agent. Drivers can comparison shop online but purchase the actual policy in an agency.

Which method you use is up to you, but be certain you are entering the same information for each price quote. If you compare different liability limits it will be impossible to truly determine the lowest rate. Having just a slight variation in coverage limits can make a big difference in price. Keep in mind that quoting more will improve the odds of getting more affordable rates. Not every company does online price quotes, so you also need to get prices from them as well.

Different people need different insurance coverages

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions could help you determine if you could use an agent’s help.

• When should my teen driver be added to my policy?
• Are my friends covered when driving my car?
• Does my 2000 Mazda Protege qualify for pleasure use?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is covered by UM/UIM coverage?
• What are the financial responsibility laws in my state?
• Is upholstery damage covered by car insurance?
• Are split liability limits better than a combined single limit?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Specific coverage details

Knowing the specifics of car insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda Protege.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – Collision insurance covers damage to your Protege resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, hitting a mailbox, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like prosthetic devices, dental work, doctor visits and X-ray expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages – Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like emergency aid, loss of income, attorney fees, court costs and medical expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Keep this in mind

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Cost effective 2000 Mazda Protege insurance can be sourced from both online companies as well as from insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. A few companies may not have rates over the internet and these regional insurance providers only sell coverage through local independent agencies.

For more information, take a look at the resources below:

• Older Drivers FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Choosing a Car for Your Teen (State Farm)
• Vehicle Insurance (Wikipedia)