Compare 1999 Mazda Protege Insurance Quotes

Looking for better auto insurance rates? Shoppers have many options when shopping for affordable Mazda Protege insurance. They can either spend hours calling around to compare prices or utilize the internet to make rate comparisons. There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to get price quotes for a new or used Mazda and obtain the lowest price.

You need to shop coverage around quite often since rates go up and down regularly. Despite the fact that you may have had the best rates for Protege insurance two years ago you may be paying too much now. Starting now, block out anything you think you know about auto insurance because you’re about to learn one of the quickest ways to save money, get proper coverage and the best rates.

How to Buy Insurance Online

Finding a lower price on 1999 Mazda Protege insurance isn’t really that difficult. Consumers just need to spend a few minutes to get quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

  1. The recommended way to find low rates is a comparison rater form like this one (opens in new window). This method saves time by eliminating multiple quote forms for every insurance company. Just one form will return quotes from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A different way to analyze rates consists of visiting each company website and request a quote. For examples sake, we’ll assume you want rates from Progressive, 21st Century and Farmers. You would have to spend time on each company’s site and enter your information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, make sure you use the exact same quote information on every quote you get. If you are comparing different limits and deductibles on each one it will be impossible to determine which rate is truly the best.

Lots of discounts mean lots of savings

Companies don’t necessarily list every discount in a way that’s easy to find, so here is a list both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Clubs and Organizations – Participating in a professional or civic organization could trigger savings on your policy for Protege insurance.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Save over 55 – Mature drivers can possibly qualify for reduced rates for Protege insurance.
  • Drive Less and Save – Fewer annual miles on your Mazda can qualify you for lower rates on the low mileage vehicles.
  • Safety Course Discount – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy could earn a price break for each car.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Protege insurance than less cautious drivers.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, you’re out of luck.

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

Mazda Protege premiums are determined by many factors

Consumers need to have an understanding of some of the elements that help determine the price you pay for insurance coverage. Knowing what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

The following are some of the factors insurance coverage companies consider when setting your rates.

  • Bump up deductibles to save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mazda. Some instances where coverage would apply would be colliding with a building, collision with an animal, or theft. Deductibles for physical damage are how much you are required to spend in the event of a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Protege insurance.
  • Your location is important – Residing in a small town can save you money when buying insurance coverage. Fewer people means reduced accidents. City drivers tend to have traffic congestion and longer commute times. Longer commute distances means higher likelihood of an accident.
  • Your occupation can affect rates – Careers like real estate brokers, social workers and accountants tend to pay higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, occupations like actors, athletes and retirees have the lowest average rates for Protege insurance.
  • Never let your coverage lapse – Letting your insurance expire will be a quick way to increase your insurance coverage rates. And not only will your rates increase, but being ticketed for driving with no insurance might get you a license revocation or jail time.
  • Your credit rating is important – Having a bad credit rating is a big factor in determining what you pay for insurance coverage. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit ratings. So if your credit rating can use some improvement, you could save money insuring your 1999 Mazda Protege by spending a little time repairing your credit.
  • Safer occupants lowers premiums – Vehicles with high crash test scores tend to have better insurance rates. Safer cars reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Mazda earned at least four stars on Safercar.gov you may qualify for a discount.
  • Too many insurance coverage claims drive up costs – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies give discounts to insureds who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Liability insurance protects assets – The liability section of your policy will protect you if ever you are found liable for damages from an accident. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

Situations that might require an agent

When it comes to buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Do I have newly-aquired coverage?
  • Which companies will insure high-risk drivers?
  • How can I force my company to pay a claim?
  • When would I need additional glass coverage?
  • If I drive on a suspended license am I covered?
  • What is medical payments coverage?
  • When can I cancel my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance ads bend the truth

Consumers constantly see and hear ads for car insurance savings by companies like State Farm, Allstate and Geico. All the ads have a common claim that you’ll save big if you move to them.

How do they all make almost identical claims? This is how they do it.

All companies have a preferred profile for the type of customer that makes them money. For instance, a driver they prefer might be between 30 and 50, owns a home, and chooses high deductibles. A propective insured who matches those parameters gets the lowest rates and as a result will probably cut their rates substantially.

Drivers who are not a match for these standards will be charged more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That’s the way companies can make the claims of big savings. That is why it’s extremely important to quote coverage with many companies. Because you never know which insurance companies will give you the biggest savings on Mazda Protege insurance.

Auto insurance coverage considerations

Having a good grasp of auto insurance can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Liability auto insurance

This protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair costs for stationary objects, medical services and emergency aid. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, damage from a tornado or hurricane, hitting a deer and damage from flooding. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision 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 the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, crashing into a building, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for doctor visits, rehabilitation expenses, EMT expenses, prosthetic devices and pain medications. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Save your hard earned cash

Cheap 1999 Mazda Protege insurance is possible online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

We’ve covered some good ideas how you can shop for insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the best prices are with a smaller regional carrier.

More detailed insurance information is available at these sites: