Cheaper 2001 Mazda Protege Insurance Rates

Trying to find the cheapest insurance rates? Buyers have many options when searching for the lowest priced Mazda Protege insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to compare rates. There is a better way to compare insurance rates so we’re going to tell you the best way to price shop coverage on a Mazda and obtain the cheapest rates from local insurance agents and online providers.

Affordable car insurance price quotes

Getting a cheaper price on 2001 Mazda Protege insurance is pretty simple and can save money. The only thing you need to do is spend a few minutes getting comparison quotes from different insurance companies. You can get a good selection of rate quotes in several different ways.

One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing repetitive form entry for every prospective company. Just one form will get you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.

A different way to compare prices is to take the time to go to the website for each individual company and repeat the quote process again and again. For sake of this example, let’s assume you want to get rates from Geico, State Farm and Farmers. To find out each rate you need to go to each individual site and type in your information over and over, which can take a lot of time.

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

It’s up to you which method you use, but double check that you are using apples-to-apples quote information for every quote you compare. If your comparisons have different liability limits it’s not possible to decipher which rate is best.

Discount car insurance quotes

Car insurance is not inexpensive, but you may find discounts that can help lower your rates. Some of these disounts will be visible when you purchase, but a few must be asked for before you get the savings.

  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. Most companies allow this discount until age 25.
  • Senior Citizens – Drivers that qualify as senior citizens may receive a small discount on rates for Protege insurance.
  • Early Signing – Some companies give discounts for renewing your policy early. Ten percent is about the average savings.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% for Protege insurance with a few car insurance companies.
  • Homeowners Savings – Owning a home can get you a discount because it requires a higher level of personal finance.
  • Paperless Signup – A handful of insurance companies will provide an incentive for buying your policy digitally online.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount should help lower the cost of coverage.

The best car insurance companies and their offered discounts are outlined below.

  • 21st Century may offer discounts for theft prevention, driver training, 55 and older, homeowners, and automatic seat belts.
  • State Farm offers premium reductions for student away at school, good driver, accident-free, driver’s education, multiple autos, safe vehicle, and passive restraint.
  • AAA includes discounts for multi-car, multi-policy, good driver, education and occupation, pay-in-full, and AAA membership discount.
  • Liberty Mutual offers discounts including hybrid vehicle, exclusive group savings, teen driver discount, safety features, new graduate, newly retired, and new move discount.
  • Progressive discounts include online signing, multi-vehicle, online quote discount, continuous coverage, multi-policy, and good student.

If you are trying to find affordable auto insurance quotes, ask all the companies which discounts they offer. Some discounts listed above may not be available in your area. To see a list of insurance companies who offer online car insurance quotes, click this link.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover whether or not you might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • Am I covered if hit by an uninsured driver?
  • Do I need motorclub coverage?
  • Can I get a multi-policy discount?
  • Do I need rental car coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mazda Protege.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like hospital visits, ambulance fees, chiropractic care, rehabilitation expenses and surgery. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, crashing into a building, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane, hail damage and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles, loss of income and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comments About 2001 Mazda Protege Insurance

  1. Lavenia Morales

    Looking for cheaper 2001 Mazda Protege insurance in Bismarck, North Dakota. Help!

  2. Nicholas Flores

    Are State Farm rates cheap in Pennsylvania?

  3. Salome Graham

    Well-written and thought out article. I live in Gulfport, Mississippi. I don’t recall every quote but I ended up saving about $20 each month. Full coverage costs too much.

  4. Maximo Byrd

    I got decent rates for a 2001 Mazda Protege in Aurora, IL. Ended up at roughly $120 every six months with American Family. Insured with AAA before. Even increased coverage a bit. I just quoted rates online.

  5. Prince Lindsay

    Lots of good stuff here. From a town just southwest of Honolulu, HI. I quoted with Progressive, American Family, Esurance, and Hartford for my 2001 Mazda Protege and I’m now saving $17 a month. Switched homeowners coverage too. I recommend comparing lots of rates.

  6. Annemarie Heath

    I got decent rates for a 2001 Mazda Protege in Fort Wayne, Indiana. Ended up at roughly $90 every six months with Auto-Owners. They have a lot of discounts available. Still almost need a second mortgage. I just carry liability insurance.

  7. Vertie Washington

    Does 21st Century offer new car replacement?

  8. Elza Fitzgerald

    Good detail in your article. I live just to the east of Juneau, Alaska. Quoted with State Farm, Auto-Owners, and Eastwood for my 2001 Mazda Protege and I think I saved around $30 each month. Might find lower rates online.

  9. Charley Gomez

    Not sure if this is cheap. I live on the north side of North Charleston, SC. Got car insurance rates from Auto-Owners, MetLife, and a few others for my Mazda and saved $111 a year. Was with USAA. Still almost need a second mortgage.

  10. Isaura Barton

    Just my two cents. I live on the south side of Paterson, NJ. Quoted a bunch of companies. Saved darn near $30 a month. GEICO was the most affordable for me. I have kids on my policy, too. Still almost need a second mortgage.