View 1998 Mazda Protege Insurance Quotes

Trying to find lower car insurance rates for your Mazda Protege? Did a good deal turn out to be overpriced car insurance? It’s a common feeling and you are not the only one feeling buyer’s remorse.

Insurance companies such as Progressive, State Farm and GEICO persitently shower you with advertising and consumers find it hard to see past the corporate glitz and find the best price available.

You should make it a habit to do rate comparisons before your policy renews since insurance prices change regularly. If you had the best rate for Protege insurance on your last policy you can probably find a better premium rate now. Ignore everything you know about car insurance because you’re going to learn the only way to reduce your cost while increasing coverage.

If you have car insurance now, you should be able to save some money using this strategy. Buying car insurance is quite easy. Although car owners can benefit from knowing how insurance companies market on the web and take advantage of how the system works.

How do car insurance companies determine Mazda Protege insurance premiums?

Part of the insurance coverage buying process is learning some of the elements that are used to determine your premiums. If you understand what influences your rates, this empowers consumers to make smart changes that may reward you with big savings.

  • Tickets and citations cost more than a fine – Careful drivers get better rates compared to bad drivers. Only having one citation may increase your cost substantially. People who have multiple violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.
  • High credit rating translates to low rates – Your credit score is a big factor in your rate calculation. If your credit rating is not that good, you could potentially save money when insuring your 1998 Mazda Protege by improving your credit score. Insureds that have very high credit ratings tend to be better drivers and file fewer claims than drivers who have lower ratings.
  • Males pay higher prices – Statistics have proven that females take fewer risks when driving. However, don’t assume that women are better drivers. Men and women get in fender benders at about the same rate, but the male of the species tend to have more serious accidents. Not only that, but men also get ticketed for serious violations like reckless driving and DUI. Male drivers age 16 to 19 cause the most accidents and therefore pay the highest rates.
  • Save money with alarm systems – Choosing to buy a car that has a built-in theft deterrent system can help lower your premiums. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
  • Insurance rates for married couples – Having a significant other may earn you lower rates on your insurance coverage bill. Having a significant other translates into being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • Cheaper insurance coverage rates for prior coverage – Not maintaining insurance can get you a ticket and your next policy will cost more because you let your insurance expire. And not only will your rates increase, being ticketed for driving with no insurance could result in fines and jail time.
  • Defend yourself with liability – The liability section of your policy is the protection when a court rules you are at fault for physical damage or personal injury to other. Liability provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Insurance coverage rates and your job – Did you know your career choice can influence rates? Careers such as fire fightersairline pilots and medical professionals are shown to have higher premium rates attributed to high stress levels and extremely grueling work hours. Other jobs like professors, engineers and retirees receive lower rates for Protege insurance.

Find discounts on car insurance

Some insurance providers don’t always list all their discounts very clearly, so we researched both well-publicized and the more hidden discounts you could be receiving when you buy auto insurance online.

  • Good Grades Discount – A discount for being a good student may save as much as 25% on a auto insurance quote. You can use this discount normally up to age 25.
  • Organization Discounts – Having an affiliation with a professional or civic organization could qualify you for a break on your next renewal.
  • Driving Data Discount – Insureds that choose to allow driving data collection to analyze when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot could save a few bucks if they are good drivers.
  • Student Discount for Driver Training – Teen drivers should enroll in driver’s education as it can save substantially.
  • Military Rewards – Having a deployed family member could mean lower premium rates.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, car insurance companies aren’t that generous.

To see a list of insurance companies offering car insurance discounts, click here.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions might help in determining whether you may require specific advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Do I need replacement cost coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the minimum liability in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • When can I cancel my policy?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Insurance coverages 101

Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda Protege.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Auto liability – This coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical expenses, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for pain medications, surgery and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your Protege resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a deer, a tree branch falling on your vehicle, falling objects and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

In conclusion

In this article, we covered a lot of ways to save on 1998 Mazda Protege insurance. The most important thing to understand is the more times you quote, the better likelihood of getting cheap auto insurance. Consumers could even find that the best car insurance rates are with the least-expected company. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.

Budget-conscious 1998 Mazda Protege insurance is available from both online companies and from local insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies only sell through local independent agencies.

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