Cheap 1993 Mazda Protege Car Insurance Quotes

Trying to find better insurance rates for your Mazda Protege? Paying for overpriced Mazda Protege insurance can eat up your savings account and force you to tighten up your finances. Performing a rate comparison can lower your rates and help to tighten up your finances.

Drivers have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it can be more difficult to compare rates and find the lowest cost insurance.

Cheapest auto insurance rate quotes

There are several ways to compare rate quotes from different companies. The easiest way to lower the rate you pay for 1993 Mazda Protege insurance consists of shopping online. This can be done in just a few minutes using one of these methods.

  1. The most recommended method to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate forms for each price estimate. One form submission gets you price quotes from many national carriers.
  2. A slightly less efficient method to find more affordable insurance consists of visiting the website for each individual company and get a separate price quote. For instance, we’ll assume you want rates from GEICO, Farmers and Liberty Mutual. In order to get each rate, you would have to navigate to each company’s site and type in your information over and over, and that explains why we recommend the first method.

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

How you compare quotes is your choice, just make sure you compare the exact same information for each price quote. If each company quotes different values for each quote you will not be able to truly determine the lowest rate. Slightly different insurance coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that obtaining a wide range of quotes will enable you to find the best rates. Some smaller insurers to not give quotes online, so you need to compare quotes from them, too.

Can switching companies really save?

State Farm, GEICO and Progressive regularly use television, radio, and online ads. They all try to convey promises of big savings after switching your policy. That’s great but how can every company give you a lower rate? It’s all in the numbers.

All companies have an ideal profile for the driver that will most likely be profitable. One example of this type of risk profile might have to be over the age of 45, has no driving citations, and drives a safe vehicle. Any new insured that matches those criteria will get the preferred rates and as a result will probably save a lot if they switch.

Potential customers who fall outside this ideal profile will see higher prices which results in the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everyone that quotes” save that much. That’s why companies can make those statements. Because of this risk profiling, drivers must do a price quote comparison at every renewal. Because you cannot predict the company that will give you the biggest savings.

You can change your insurance premiums

Part of the insurance coverage buying process is learning some of the factors that aid in calculating your insurance coverage rates. When consumers understand what influences your rates, this enables you to make decisions that could help you find cheaper rates.

  • Better prices on safer cars – Safe vehicles tend to have lower insurance rates. Safer cars have better occupant injury protection and fewer injuries means less claims paid which can result in lower premiums.
  • Better credit means lower premiums – Credit score is likely to be a major factor in determining your rates. Insureds with excellent credit scores tend to file fewer claims than drivers with lower credit ratings. If your credit rating could use some work, you may save money insuring your 1993 Mazda Protege by improving your credit score.
  • You might want pay the minor claims yourself – If you are a frequent claim filer, you shouldn’t be surprised to get either higher rates or even cancellation. Companies generally give most affordable rates to insureds who only file infrequent claims. Insurance coverage is intended for the large, substantial claims.
  • Increase comp and collision deductibles and save – Physical damage insurance, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some examples of claims that would be covered are collision with another vehicle, flood damage, and burglary. Physical damage deductibles are the amount of money you are required to pay if you file a covered claim. The more expense the insured has to pay upfront, the bigger discount you will receive on Protege insurance.
  • Urban areas may pay more – Having an address in small towns and rural areas is a good thing when insuring your vehicles. Fewer drivers on the road means less chance of accidents and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with more road rage incidents and more severe claims. Higher commute times statistically corresponds to a higher accident and claim rate.

Take advantage of every auto insurance discount

Some providers don’t always publicize every discount in a way that’s easy to find, so the list below contains a few of the more common as well as the least known savings tricks you should be using when you buy insurance coverage online.

  • Discounts for Cautious Drivers – Drivers who avoid accidents could pay up to 40% less on Protege insurance compared to accident prone drivers.
  • Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • More Vehicles More Savings – Purchasing coverage when you have multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.
  • Online Discount – A few larger online companies will give you a small discount just for signing your application on their website.
  • Driver Education Discount – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky.

To view auto insurance companies with discount rates, click this link.

How to know if you need help

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine if your situation would benefit from an agent’s advice.

  • What is the ISO rating for a 1993 Mazda Protege?
  • I have health insurance so do I need medical payments coverage?
  • Where can I find DUI or SR-22 insurance?
  • Can I still get insurance after a DUI?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I afford to buy a different vehicle if my 1993 Mazda Protege is totaled?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Specific coverages for a 1993 Mazda Protege

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.

Auto collision coverage

This coverage covers damage to your Protege caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, hitting a mailbox, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability

This coverage will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like bail bonds, medical expenses, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for nursing services, rehabilitation expenses, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mazda Protege.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive auto insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, vandalism, damage from getting keyed and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Make a quick buck

When you buy insurance coverage online, never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

We just showed you some good ideas how to save on 1993 Mazda Protege insurance. The key concept to understand is the more providers you compare, the higher your chance of finding the cheapest insurance coverage. Drivers may discover the most savings is with an unexpected company. Some small companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

Some car insurance companies do not offer online rate quotes and these regional insurance providers provide coverage only through independent insurance agencies. Budget-conscious 1993 Mazda Protege insurance is possible from both online companies as well as from insurance agents, so you should be comparing quotes from both to have the best selection.

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