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Mazda Protege Insurance Rates

Finding cheaper auto insurance from online companies is easy and at the same time you might just save a little. The key is to take the time to get as many rate quotes as possible so you can compare the best prices.

Consumers who are new to the process of comparison shopping may think purchasing cheap Protege insurance can be quite difficult. Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

What factors impact your insurance rates?

Auto insurance rates for a Mazda Protege can vary widely based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating
  • Men typically pay more than women
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

A final factor which can affect Protege insurance rates is the model year. A newer vehicle have a higher actual cash value in comparison to later models so repair costs are higher which can inflate annual premiums. Although more recent Mazda vehicles may have a trim level with safety features included like autonomous braking, dual-stage airbags, and sideview assist mirrors which can provide discounts that lower premiums.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage - Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverages - This will pay to fix damage to your Mazda caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Protege collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper Protege insurance rates.

Comprehensive coverage - Comprehensive insurance 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 your Mazda Protege comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - This gives you protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states but can be used in place of medical payments coverage.

How Much are Mazda Protege Insurance Rates?