View 2003 Mazda Protege Insurance Cost

I can’t think of a single person who enjoys paying for insurance coverage, in particular when the cost is too high.

Big companies like State Farm, Progressive and Geico all claim big savings, bombarding you with advertising and it is difficult to see through the deception and find the best price available.

Where Can I Get Cheap Insurance Coverage?

Most major insurance companies give prices on their websites. Getting online quotes is pretty painless as you just enter your coverage preferences as detailed in the form. Behind the scenes, their rating system obtains information on your driving record and credit history and quotes a price determined by many factors. Quoting online helps simplify price comparisons, but the time it takes to visit several different sites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible if you are searching for the lowest possible prices on insurance coverage.

The better way to compare rates

A less time-consuming method to compare insurance coverage pricing uses one form to get prices from more than one company. This type of form saves time, reduces the work, and makes price shopping online much simpler. Immediately after submitting the form, your coverage is rated and you are able to buy any of the pricing results.

If you find a better price you can click and sign and purchase coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to compare rates using this form now, click here to open in new window and enter your information. If you have a policy now, it’s recommended you type in the insurance coverages just like they are on your policy. This helps ensure you’re receiving an apples-to-apples comparison for similar insurance coverage.

These discounts can lower your rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you quote, but a few must be requested specifically before you get the savings.

  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts well after school through age 25.
  • Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • College Student – Kids in college who live away from home and do not have a car can receive lower rates.
  • Accident Free – Drivers who don’t have accidents pay much less when compared to bad drivers.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will reduce the amount you have to pay.

To see a list of insurers who offer car insurance discounts, click here to view.

Different people need different coverages

When it comes to buying coverage, there really is not a best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my teenager covered with friends in the car?
  • Do I need more liability coverage?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving in Canada or Mexico?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverages for a Mazda Protege

Having a good grasp of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.

Auto liability

This coverage provides protection from damage that occurs to other people or property that is your fault. It 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. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, structural damage, legal defense fees and loss of income. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Mazda Protege.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Comprehensive insurance

This 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 things such as damage from flooding, a broken windshield and hitting a deer. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for ambulance fees, rehabilitation expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays for damage to your Protege resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.