1994 Mazda Protege Car Insurance Quotes – 5 Tips to Save

Expensive insurance coverage can dwindle your checking account, especially in this economy. Comparison shopping is a great way to tighten up your finances.

Multiple insurers compete for your hard-earned dollar, so it can be very hard to choose a insurance company and uncover the absolute best price available.

Consumers need to shop coverage around before your policy renews because prices are constantly changing. Just because you had the lowest price on Protege coverage on your last policy a different company probably has better rates today. Forget all the misinformation about insurance coverage because we’re going to demonstrate the best way to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Finding the best rates is easy if you know what you’re doing. Nevertheless, drivers do need to know how big insurance companies market insurance on the web because it can help you find the best coverage.

Lower rates by qualifying for these five discounts

Auto insurance companies do not list every available discount very well, so we break down some of the best known and the harder-to-find ways to save on insurance.

  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Homeowners Savings – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
  • Safety Course Discount – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.

Companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered everywhere.

The quickest method we recommend to compare policy rates utilizes the fact most insurance companies participate in online systems to give free rates quotes. All you need to do is provide a small amount of information like if a SR-22 is needed, your occupation, how you use your vehicles, and the ages of drivers. That information is sent automatically to multiple top-rated companies and they return quotes very quickly.

Car insurance is unique, just like you

When it comes to choosing coverage, there really is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions might point out whether you may require specific advice.

  • Am I covered when using my vehicle for business?
  • Will my rates increase for filing one claim?
  • Is my dog or cat covered if injured in an accident?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need roadside assistance coverage?
  • Does my 1994 Mazda Protege need full coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance policy specifics

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Liability coverages

Liability insurance protects you from injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles and structural damage. How much coverage you buy is your choice, but buy as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for rehabilitation expenses, pain medications and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1994 Mazda Protege.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, rock chips in glass, theft, damage from a tornado or hurricane and hitting a deer. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Make an honest buck

The cheapest 1994 Mazda Protege insurance is possible on the web as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many cases where an insured cut liability coverage limits to discover at claim time they didn’t have enough coverage. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Much more information about insurance coverage can be found at these links: