How Much Does 2001 Mazda Protege Insurance Cost?

Having to pay for expensive Mazda Protege insurance can deplete your checking account and maybe even restrict other spending.

Consumers have so many car insurance companies to choose from, and although it’s nice to have a choice, lots of choices makes it harder to find the best rates.

It’s a good habit to check insurance coverage prices quite often since rates fluctuate regularly. Despite the fact that you may have had the best deal on Protege coverage six months ago you will most likely find a better price today. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the quickest ways to find the best coverage while lowering your premiums.

This information will introduce you to how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. But drivers do need to understand the methods companies use to determine prices and take advantage of how the system works.

The best way to get policy rate comparisons takes advantage of the fact all the major auto insurance companies provide online access to provide you with free rate quotes. To begin a comparison, all you need to do is provide information such as level of coverage desired, the make and model of your vehicles, how much you drive, and types of safety features. Your insurance information is submitted instantly to multiple companies and they return rate quotes within a short period of time.

To check 2001 Mazda Protege insurance prices now, click here and enter the information requested.

Do you qualify for discounts?

The cost of insuring your cars can be expensive, but you may qualify for discounts that can help lower your rates. A few discounts will automatically apply when you quote, but a few need to be asked about before they will apply.

  • Professional Organizations – Having an affiliation with a qualifying organization may earn a discount on car insurance.
  • 55 and Retired – Older drivers can get reduced rates on Protege coverage.
  • Military Discounts – Being on active duty in the military may lower your prices slightly.
  • Seat Belt Discounts – Requiring all passengers to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Distant Student – Any of your kids who live away from home to go to college and don’t have a car could qualify for this discount.

Remember that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous.

Larger car insurance companies and some of the discounts include:

  • Farmers Insurance discounts include distant student, business and professional, alternative fuel, bundle discounts, early shopping, mature driver, and switch companies.
  • State Farm includes discounts for defensive driving training, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, and accident-free.
  • Liberty Mutual policyholders can earn discounts including multi-car, new vehicle discount, preferred payment discount, safety features, new graduate, teen driver discount, and newly married.
  • MetLife offers discounts including good driver, multi-policy, claim-free, good student, and defensive driver.
  • Progressive may offer discounts for homeowner, multi-policy, online quote discount, multi-vehicle, and online signing.

If you want the cheapest insurance quotes, ask each insurance company the best way to save money. Some credits may not apply in every state. To view insurance companies with discount rates, click this link.

Don’t assume everyone needs the same insurance coverage coverage

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Does my 2001 Mazda Protege need full coverage?
  • Should I have combined single limit or split liability limits?
  • Will filing a claim cost me more?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my teen driver covered when they drive my company car?
  • Will my insurance pay for OEM parts?
  • Is my teenager covered with friends in the car?
  • Does my personal policy cover me when driving out-of-state?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance policy specifics

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Mazda Protege.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, a broken windshield, damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, bail bonds, emergency aid, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for nursing services, prosthetic devices, EMT expenses, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.