1995 Mazda Protege Car Insurance Rates – 6 Policy Discounts

Trying to find the cheapest insurance rates for your Mazda Protege? Finding cheap insurance can seem to be nearly impossible for drivers who have little experience comparison shopping online. With such a large number of agents and online companies available, it can quickly become a lot of work to find the perfect company for you.

Discounts can really help save money

The price of auto insurance can be rather high, but you may find discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of purchase, but some need to be asked for before they will apply. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.

  • Accident Waiver – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before they charge you more for coverage so long as you are claim-free before the accident.
  • Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off for Protege insurance but check with your company.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.
  • Defensive Driver – Taking time to complete a defensive driver course could possibly earn you a 5% discount depending on where you live.
  • Telematics Devices – Drivers who elect to allow driving data submission to spy on driving manner by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as they are good drivers.

Drivers should understand that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will reduce your policy premiums.

To see a list of insurance companies offering auto insurance discounts, follow this link.

Will just any policy work for me?

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining if your situation could use an agent’s help.

  • I have a DUI can I still get coverage?
  • Why do I need rental car insurance?
  • Should I carry comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What discounts do I qualify for?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses for pain medications, rehabilitation expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your Protege resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability – This protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

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 values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like repair bills for other people’s vehicles, attorney fees, legal defense fees, structural damage and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, falling objects, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This 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, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Feed the piggy bank

A few companies don’t offer online price quotes and these regional insurance providers work with independent agents. Cheaper insurance can be found both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

Insureds leave their current company for any number of reasons including not issuing a premium refund, questionable increases in premium, delays in paying claims or even high prices. Whatever your reason, finding a great new company can be easier than you think.

When you buy car insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

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