1995 Mazda Protege Car Insurance Quotes – 8 Tips to Save

Overpriced Mazda Protege insurance can drain your checking account and make it impossible to make ends meet. Comparison shopping is a smart way to tighten up your finances.

Multiple car insurance companies compete for your business, so it’s not easy to compare every insurance company to find the absolute cheapest price

It’s a good habit to shop coverage around on a regular basis because prices go up and down regularly. If you had the best deal on Protege coverage six months ago you can probably find a better price now. So just forget anything you know (or think you know) about insurance because I’m going to teach you the tricks you need to know to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Choosing the best insurance company for you is not that difficult. But vehicle owners need to have an understanding of the way insurance companies price online insurance and use this information to your advantage.

The most recommended method to compare rate quotes is to take advantage of the fact most larger insurance companies have advanced systems to quote your coverage. The only thing you need to do is give the companies some data like whether you drive to work or school, what you do for a living, types of safety features, and whether you have decent credit. Your information is instantly provided to multiple companies and they provide comparison quotes instantly.

To check rates for your 1995 Mazda Protege, click here and see if a lower rate is available.

Do I just need basic coverages?

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether you would benefit from professional advice.

Should I buy only the required minimum liability coverage?
What are the best liability limits?
How can I force my company to pay a claim?
What is PIP insurance?
Is upholstery damage covered by car insurance?
Which companies will insure high-risk drivers?
Will I lose any money if I cancel my policy before it expires?
Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance coverages 101

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, a broken windshield, a tree branch falling on your vehicle and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for things like rehabilitation expenses, ambulance fees, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, rolling your car, colliding with a tree and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverage

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as medical services, legal defense fees, bail bonds, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda Protege.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.