How Much Does 1991 Mazda Protege Insurance Cost?

Purchasing affordable auto insurance online can seem to be impossible for consumers not familiar with online price comaprisons. Because there are so many online companies available, how can you even start to compare every company to locate the best pricing?

Consumers need to compare prices occasionally because prices are constantly changing. Just because you found the best rates for Protege coverage six months ago other companies may now be cheaper. There is too much inaccurate information about auto insurance online, so we’re going to give you some great ways to quit paying high auto insurance rates.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. This information will teach you the most effective way to quote insurance and some tips to save money. Although consumers benefit from understanding the way companies price online insurance and apply this information to your search.

Best discounts on 1991 Mazda Protege coverage

Companies do not advertise all their discounts very well, so here is a list both well-publicized as well as the least known discounts you could be receiving.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. It can save you around 10%.
  • One Accident Forgiven – A few companies permit an accident without raising rates as long as you don’t have any claims prior to the accident.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Multi-policy Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
  • Memberships – Belonging to a civic or occupational organization could qualify you for a break when shopping for auto insurance for Protege coverage.

It’s important to note that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, you’re out of luck.

To see a list of providers with discount auto insurance rates, click here to view.

Impacting insurance rates for a Mazda Protege

It’s important that you understand the factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get better car insurance rates.

Shown below are a partial list of the pieces used by your company to calculate your rates.

  • Protect yourself with liability coverage – Liability insurance is the coverage that protects you if a jury decides you are liable for damages caused by your negligence. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Allowing your policy to lapse raises rates – Not having insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Younger drivers pay higher rates – Teenage drivers are statistically proven to get distracted easily in a vehicle so they pay higher car insurance rates. Mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Both sexes cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.
  • Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates. If your Mazda Protege scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might point out whether or not you will benefit from professional help.

  • When can I cancel my policy?
  • What can I do if my company won’t pay a claim?
  • Do I need added coverage for expensive stereo equipment?
  • When would I need additional glass coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • If my 1991 Mazda Protege is totaled, can I afford another vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Which is better, split liability limits or combined limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage options for a Mazda Protege

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for rehabilitation expenses, dental work, X-ray expenses and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, a broken windshield, hail damage and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1991 Mazda Protege.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, structural damage, medical expenses and emergency aid. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your Protege resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, rolling your car, crashing into a building, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Final thoughts

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

We’ve covered a lot of techniques to save on 1991 Mazda Protege insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies.

Insureds who switch companies do it for any number of reasons including poor customer service, delays in responding to claim requests, an unsatisfactory settlement offer and even not issuing a premium refund. Whatever your reason, finding a great new company is actually quite simple.

Additional learning opportunities