1992 Mazda Protege Insurance Quotes – 5 Tips for Cheaper Rates

Looking for lower insurance coverage rates for your Mazda Protege? Finding low-cost insurance for your Mazda Protege can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to shop for insurance coverage and we’ll show you the best way to compare rates on a Mazda and find the best price possible either online or from local insurance agents.

Automobile Insurance Quotes

All the larger insurance coverage companies allow you to get coverage prices directly from their websites. Getting online rates is pretty painless as you just type in the coverage amounts you desire as requested by the quote form. After the form is submitted, the company’s rating system orders reports for credit and driving violations and provides a quote.

This simplifies rate comparisons, but the time required to go to many different websites and enter the same data into a form is monotonous and tiresome. But it’s very important to get many rate quotes if you want to find the best price possible.

Rate comparisons made easy

An easier way to compare insurance coverage pricing makes use of a single form that obtains quotes from many companies. The form is fast, eliminates repetitive work, and makes online quotes much easier. After your information is entered, it gets priced and you can select any one of the returned quotes.

If you find a better price you can click and sign and purchase the new policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

To get comparison pricing now, click here and complete the simple form. If you currently have coverage, we recommend you replicate the coverage information identical to your current policy. This helps ensure you will have a price comparison using the same coverage and limits.

Cut prices on 1992 Mazda Protege insurance

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but a few need to be manually applied before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Own a Home – Owning a house can save you money because owning a home requires personal responsibility.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.

Drivers should understand that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, car insurance companies aren’t that generous. But any discount will help reduce the cost of coverage.

A partial list of companies that may have these benefits include:

Check with each insurance company how you can save money. All car insurance discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • How much liability insurance is required?
  • Do I have newly-aquired coverage?
  • Is my custom paint covered by insurance?
  • Which companies will insure high-risk drivers?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance policy coverages for a Mazda Protege

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses such as rehabilitation expenses, hospital visits and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your Protege caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers claims like hitting a bird, vandalism, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1992 Mazda Protege.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical expenses, repair bills for other people’s vehicles, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.