1998 Mazda Protege Car Insurance Quotes

Are you irritated from robbing Peter to pay Paul to insure your Mazda every month? You are no different than millions of other vehicle owners. Since you have so many insurance providers from which to choose, it can be impossible to pick a lower cost insurance coverage company.

It is always a good idea to compare rates at least once a year because insurance prices are constantly changing. Just because you had the best rate on Protege insurance at your last renewal a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

The purpose of this article is to help you learn the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Consumers only need to know the most efficient way to get comparison quotes online.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can dramatically reduce your bill. Some of these disounts will be visible when you quote, but less common discounts must be specifically requested before being credited.

  • Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before hitting you with a surcharge if you are claim-free for a specific time period.
  • Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. The good student discount can last until age 25.
  • Distant Student Discount – Older children living away from home attending college and don’t have a car may qualify for this discount.
  • Defensive Driver – Taking a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
  • Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote auto insurance on Protege insurance but check with your company.
  • Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Multi-car Discount – Buying a policy with multiple cars or trucks with one company can get a discount for every vehicle.
  • Low Mileage Discounts – Keeping the miles down on your Mazda could earn substantially lower insurance coveragerates.
  • 55 and Retired – Drivers that qualify as senior citizens can get reduced rates on Protege insurance.
  • Discount for Home Ownership – Owning a home can get you a discount due to the fact that maintaining a home is proof of financial responsibility.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, nobody gets a free ride.

Some of the larger companies who might offer some of the discounts shown above are:

It’s a good idea to ask every company how many discounts you can get. Some discounts listed above might not be offered in your area.

Compare quotes for car insurance

Many insurance companies allow you to get coverage price quotes on the web. Getting quotes doesn’t take a lot of time as you simply enter the amount of coverage you want on the page. Behind the scenes, the company’s rating system makes automated requests for credit information and your driving record and returns a price quote based on these factors. This streamlines rate comparisons, but having to visit several different sites and type in the same information can be a bit repetitive. But it is imperative to do this in order to get lower prices.

The quickest way to compare car insurance pricing requires only one form that gets prices from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes online shopping much easier. Immediately after you send the form, it gets priced with multiple companies and you can pick any of the price quotes you receive.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To find out what other companies charge, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you complete the form with coverages and limits as close as possible to your current policy. This ensures you are getting a fair comparison based on identical coverages.

Insurance coverage is unique, just like you

When choosing coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might point out if you could use an agent’s help.

  • What exactly is covered by my policy?
  • When do I need to add a new car to my policy?
  • What is UM/UIM insurance?
  • What is the ISO rating for a 1998 Mazda Protege?
  • How do I insure my teen driver?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage – This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others. 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. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, repair costs for stationary objects, emergency aid, medical services and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Mazda Protege.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, a broken windshield, hail damage, rock chips in glass and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses for funeral costs, nursing services, pain medications, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

A penny saved is a penny earned

Cost effective 1998 Mazda Protege insurance can be found on the web as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide price quotes online and many times these regional insurance providers only sell through independent insurance agencies.

When you buy auto insurance online, never buy poor coverage just to save money. Too many times, someone dropped uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at a price you can afford and still be able to protect your assets.

More tips and info about auto insurance can be found in the articles below: