1996 Mazda Protege Car Insurance Quotes – 7 Discounts for Cheapest Rates

Searching for cheaper insurance rates for your Mazda Protege? No one in their right mind looks forward to buying insurance, in particular when the cost is too high. You have multiple insurers to buy insurance from, and although it’s nice to have multiple companies, it can be more challenging to find the lowest cost provider.

It’s smart to compare rates quite often because prices trend upward over time. Just because you found the best deal on Protege coverage last year you may be paying too much now. Starting right now, block out anything you think you know about insurance because you’re going to get a crash course in the right way to save on insurance.

Don’t miss these seven discounts

Companies do not advertise all their discounts very well, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you don’t get every credit possible, you are paying more than you should be.

  • More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Protege coverage depending on your company.
  • Claim Free – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Distant Student – Children living away from home attending college and do not have a car may be able to be covered for less.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask all companies you are considering how you can save money. Some discounts may not be available in your state.

When might I need help?

When choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions can aid in determining whether you may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Do I need higher collision deductibles?
  • Does my 1996 Mazda Protege need full coverage?
  • Should I buy only the required minimum liability coverage?
  • I have a DUI can I still get coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

The insurance bait and switch

Consumers can’t ignore all the ads that promise big savings by companies like State Farm, Allstate and Geico. They all say the same thing of big savings if you switch to them.

How can each company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the right customer that is profitable for them. A good example of a preferred risk could be a mature driver, has no prior claims, and chooses high deductibles. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t meet this ideal profile must pay higher premiums which usually ends up with business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make the claims of big savings. This illustrates why you should compare many company’s rates. Because you never know the company that will have the lowest Mazda Protege insurance rates.

Parts of your insurance policy

Understanding the coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as ambulance fees, funeral costs, chiropractic care, dental work and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision coverages – This will pay to fix damage to your Protege from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, colliding with another moving vehicle, crashing into a building and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from flooding and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mazda Protege.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages – This coverage will cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like funeral expenses, pain and suffering, loss of income, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Power to the consumer

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. In many cases, an insured cut uninsured motorist or liability limits only to regret that it was a big mistake. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Budget-conscious 1996 Mazda Protege insurance is attainable online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

Much more information about insurance is located at these links: