Cheap 2002 Mazda Protege5 Car Insurance Quotes

Searching for lower auto insurance rates for your Mazda Protege5? Are you overwhelmed by the sheer number of auto insurance companies in your area? drivers have such a vast assortment of companies available that it can turn into hard work to find the perfect company for you.

Car insurance companies offer many discounts

Insuring your fleet can be pricey, but you may find discounts that many consumers don’t even know exist. Some discounts will apply at the time you complete a quote, but a few must be requested specifically prior to receiving the credit.

• Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Protege5 coverage than less cautious drivers.
• No Claims – Good drivers with no accidents have much lower rates in comparison to insureds who have frequent claims or accidents.
• Anti-theft Discount – Cars and trucks with anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• 55 and Retired – Seniors may qualify for reduced rates on Protege5 coverage.
• Air Bag Discount – Options like air bags or automatic seat belts can qualify for discounts up to 30%.
• New Car Discount – Buying insurance coverage on a new vehicle can be considerably cheaper because newer models keep occupants safer.
• Military Discounts – Being on active deployment in the military can result in better premium rates.
• Accident Forgiveness – Not necessarily a discount, but some companies like Progressive and Allstate will forgive one accident without the usual rate increase with the catch being you have to be claim-free before the accident.
• Multi-car Discount – Drivers who insure multiple vehicles on the same car insurance policy can reduce rates for all insured vehicles.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

A few of the larger companies and the discounts they provide can be read below.

• State Farm has discounts for good driver, passive restraint, Steer Clear safe driver discount, driver’s education, and Drive Safe & Save.
• Geico discounts include anti-lock brakes, multi-vehicle, five-year accident-free, air bags, federal employee, membership and employees, and driver training.
• Progressive offers premium reductions for online signing, homeowner, good student, multi-policy, and online quote discount.
• 21st Century offers discounts for teen driver, anti-lock brakes, student driver, automatic seat belts, early bird, theft prevention, and homeowners.
• American Family may have discounts that include good student, TimeAway discount, multi-vehicle, early bird, defensive driver, and Steer into Savings.
• The Hartford offers discounts including anti-theft, bundle, good student, air bag, vehicle fuel type, and driver training.
• AAA may offer discounts for good driver, good student, AAA membership discount, education and occupation, and pay-in-full.

If you are trying to find inexpensive insurance quotes, ask all the companies the best way to save money. Some of the discounts discussed earlier may not apply in every state.

Mazda Protege5 insurance price factors

Many factors are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving history, but some are more transparent such as your marital status or your financial responsibility.

• Single vs. married – Getting married helps lower the price on your car insurance policy. Having a spouse may mean you are less irresponsible and it’s proven that being married results in fewer claims.
• What’s your car’s crash test rating? – Safer cars can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means your insurance company pays less and thus lower rates. If the Mazda Protege5 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Driver age impacts costs – Older drivers are shown to be more cautious, statistically cause fewer accidents and receive fewer citations.Teenage drivers are statistically proven to be less responsible when driving with friends so they pay higher car insurance rates.
• Do thieves like your car? – Selecting a car model with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft and help bring rates down.
• Consider raising physical damage deductibles – The deductibles represent how much money you are required to spend if the claim is covered. Insurance for physical damage to your car, also called comprehensive and collision insurance, protects your car from damage. Some examples of claims that would be covered are colliding with a stationary object, collision with a deer, or theft of your vehicle. The more of the claim you’re willing to pay, the less your company will charge you for insurance on Protege5 coverage.
• Demanding occupation may mean higher car insurance rates – Occupational choices like lawyersairline pilots and accountants tend to have higher rates than average due to intense work-related stress and lengthy work days. Other careers like farmers, engineers and homemakers have the lowest average rates on Protege5 coverage.
• Get a ticket, pay higher costs – A bad driving record influences premium rates substantially. Even a single chargable violation can increase the cost of insurance substantially. Attentive drivers get better prices compared to bad drivers. Drivers unfortunate enough to have severe violations like DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state’s licensing department in order to prevent a license revocation.

Do I just need basic coverages?

When it comes to buying coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

• Do I need roadside assistance coverage?
• Is my 2002 Mazda Protege5 covered for smoke damage?
• Will I be non-renewed for getting a DUI or other conviction?
• How much liability insurance is required?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is borrowed equipment or tools covered if stolen or damaged?
• I have good health insurance, so how much medical payments coverage do I need?
• What if I don’t agree with a claim settlement offer?
• Am I covered if I hit a deer?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form.

But they said I’d save $404 a year!

Big name companies like State Farm and Allstate endlessly run television and radio advertisements. All the companies try to convey promises that drivers will save a bundle after switching your auto insurance policy to them. That’s great but how can every company make the same claim? Here is how they do it.

Companies have specific criteria for the driver they prefer to insure. An example of a preferred risk could be a married male, has never had a claim, and drives a vehicle with a low ISO rating. Someone that hits that “sweet spot” will get a cheap rate quote and will most likely save if they switch.

Potential customers who don’t measure up to these standards may receive higher prices and ends up with the customer buying from a different company. If you listen closely, the ads state “drivers that switch” not “everybody who quotes” save money. That is how companies can advertise the way they do.

This really illustrates why you absolutely need to get price quotes at each policy renewal. Because you cannot predict which insurance companies will have the best prices for your profile.

The coverage is in the details

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, pain medications and dental work. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2002 Mazda Protege5.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage – Comprehensive insurance 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 insurance covers things like damage from getting keyed, damage from flooding, hitting a deer, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – This coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see 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 a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like court costs, bail bonds, attorney fees, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

We covered a lot of tips how to reduce 2002 Mazda Protege5 insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut uninsured motorist or liability limits only to find out that the savings was not a smart move. The aim is to find the BEST coverage at the best cost, not the least amount of coverage.

Cheaper insurance can be purchased from both online companies as well as from independent agents, so you should compare both to have the best selection. Some insurance providers don’t offer online price quotes and most of the time these small insurance companies only sell coverage through independent insurance agencies.

To read more, link through to the resources below:

• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Understanding your Policy (NAIC.org)