2003 Mazda Mazdaspeed Protege Insurance Quotes

Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than millions of other consumers. Having so many companies and agents to choose from, it is very difficult to choose the best company.

The purpose of this article is to instruct you on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you should be able to save some money using this information. Consumers just need to know how to get comparison rates online.

Car Insurance Quote Comparison

Finding a better price on car insurance is not a difficult process. Just take time to compare quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

1. The best way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do separate quotes to each individual car insurance company. One quote request gets you price quotes from multiple companies.
2. A more difficult way to analyze rates consists of visiting the website for each individual company to complete a price quote. For sake of this example, let’s say you want comparison quotes from USAA, Allstate and American Family. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
3. The least efficient method of getting rate comparisons is to drive around to insurance agents’ offices. The internet makes this process obsolete unless you prefer the professional guidance of a local agent. Drivers can compare online quotes but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverages for each price quote. If your comparisons have different deductibles then you won’t be able to determine the best price for your Mazda Mazdaspeed Protege.

Will just any policy work for me?

When buying coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that These are some specific questions can help discover whether or not you might need professional guidance.

• Can I still get insurance after a DUI?
• What is an SR-22 filing?
• When do I need to add a new car to my policy?
• How much underlying liability do I need for an umbrella policy?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my trailer covered?
• How can I force my company to pay a claim?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mazda Mazdaspeed Protege.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, hail damage and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability 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 total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like bail bonds, pain and suffering, court costs and loss of income. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills such as ambulance fees, prosthetic devices, hospital visits and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision protection

This coverage will pay to fix damage to your Mazdaspeed Protege caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.