2003 Mazda Protege Insurance Cost – 5 Tricks for Best Prices

Trying to find cheaper auto insurance rates for your Mazda Protege? No normal person likes having to buy auto insurance, especially when they are aware that they could find better rates elsewhere. Many insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to find the cheapest price

If you are insured now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners only need to know the tricks to get comparison quotes online.

Take these five policy discounts and save

Insurance is neither fun to buy or cheap, but you may qualify for discounts that you may not know about. Certain credits will be shown at the time you complete a quote, but some may not be applied and must be asked for before you will receive the discount.

• Theft Prevention Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
• Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and the ABS can save up to 10%.
• Responsible Driver Discount – Drivers without accidents can save as much as half off their rates for Protege coverage than less cautious drivers.
• Discount for Swiching Early – Some insurance companies give discounts for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
• Onboard Data Collection – Policyholders that allow their company to analyze driving patterns by installing a telematics device like Allstate’s Drivewise could possibly reduce rates if they have good driving habits.

Just know that most discounts do not apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky.

If you would like to view providers offering insurance discounts, follow this link.

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How to buy insurance coverage online

Lowering your 2003 Mazda Protege insurance coverage rates is actually easier than you may think. All that’s required is to invest a few minutes comparing rate quotes to find. This can be done in just a few minutes using one of these methods.

• One of the simplest ways consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This style of form keeps you from doing repetitive form entry for each price estimate. One form gets insurance cost estimates from multiple low-cost companies.
• A slightly less efficient method to analyze rates requires you to visit each company website and go through the quote process again. For instance, let’s assume you want to compare Auto-Owners, Liberty Mutual and Farmers. To find out each rate you need to go to every website and repeatedly enter your information, which can get old fast. For a handy list of car insurance company links in your area, click here.
• The least recommended way to get rate quotes is physically going to insurance agencies in your area. Shopping for insurance coverage online makes this process obsolete unless you prefer the peace of mind that can only be provided by a licensed insurance agent. It is possible with some companies price shop your coverage online but buy from a local insurance agent.

Whichever method you choose, do your best to enter apples-to-apples quote data for every quote you compare. If you are comparing different coverage information it will be impossible to find the best deal for your Mazda Protege.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you might need professional guidance.

• Is there coverage for injuries to my pets?
• What if I don’t agree with a claim settlement offer?
• Do I need rental car coverage?
• Should I buy additional glass protection?
• How much liability do I need to cover my assets?
• What companies insure drivers after a DUI or DWI?
• Is my nanny covered when driving my vehicle?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, 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 you can get the answers you need.

Why you might not save $441 a year

Consumers can’t ignore all the ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. All the ads advertise claims about how much you will save just by switching your coverage.

That’s great but how can every company have lower policy pricing? It’s all in the words they use.

Companies quote the lowest rates for the type of insured that is profitable for them. One example of a preferred risk may need to be over the age of 45, has a clean driving record, and drives less than 10,000 miles a year. Anyone that hits that “sweet spot” receives the best auto insurance rates and will most likely save money with a new company.

Potential insureds who don’t measure up to the ideal profile may be forced to pay higher rates and ends up with the driver buying from a lower-cost company. The ads state “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way insurance companies can claim big savings.

This illustrates why you really need to get car insurance quotes from several different companies. It is impossible to predict which car insurance company will have better premium rates than you’re paying now.

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Information about specific coverages

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from car insurance companies.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 2003 Mazda Protege.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, a broken windshield, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Protege caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This protects you from damage or injury you incur to other’s property or people in an accident. 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 limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, structural damage, pain and suffering, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, X-ray expenses, prosthetic devices, hospital visits and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Better coverage you can count on

Cost effective 2003 Mazda Protege insurance can be purchased both online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional carriers provide coverage only through independent agents.

You just read some good ideas how to lower your 2003 Mazda Protege insurance premium rates. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest premium rates come from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Geico and State Farm.

For more information, feel free to visit the articles below:

• Five Mistakes to Avoid (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Frontal Crash Tests (iihs.org)
• Auto Insurance Learning Center (State Farm)

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