Save on 2002 Mazda Protege Insurance Rates

Searching for the cheapest insurance for a Mazda Protege can be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the quickest way to price shop coverage for a Mazda and obtain the best price possible.

Mazda Protege premiums are determined by many factors

It’s important that you understand some of the elements that go into determining car insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with better car insurance rates.

  • Liability coverage is peace of mind – The liability section of your policy provides coverage when a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Adjust deductibles and save – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more money you’re willing to pay, the bigger discount you will receive for Protege insurance.
  • Add-on coverages can add up – There are a ton of add-on coverages that you can buy if you aren’t careful. Things like personal injury protection, towing coverage and term life insurance may be costing you every month. These coverages may sound good at first, but if they’re wasting money remove them from your policy.
  • Never go without insurance – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Where you live is a factor – Residing in a small town is a positive aspect when talking about car insurance. City drivers regularly have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • More miles equals more premium – The more miles you rack up on your Mazda in a year’s time the more you’ll pay to insure your vehicle. Most companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your car insurance policy is showing how each vehicle is driven, because it can save money. Incorrect usage on your Protege may be costing you.

How to Compare Auto Insurance

Most major insurance companies such as Progressive, Geico, Allstate and State Farm provide prices on their websites. Getting quotes is quite easy as you simply type in your personal and coverage information as requested by the quote form. After the form is submitted, their rating system automatically orders your credit score and driving record and quotes a price determined by many factors.

This streamlines rate comparisons, but having to visit different websites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to perform this step if you are searching for a lower rate.

There is an easier way!

An easier way to find better auto insurance pricing makes use of a single form that analyzes rates from more than one company. It’s a real time-saver, requires less work, and makes online shopping much more enjoyable. After sending the form, it is rated and you can select any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It takes just a few minutes to complete and you will find out if you’re overpaying now.

If you want to find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you duplicate the coverages identical to your current policy. This way, you will be getting a fair comparison based on the exact same insurance coverage.

Don’t overlook these discounts

Auto insurance companies do not advertise every discount very clearly, so we took the time to find some of the more common as well as the least known ways to save on insurance. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • 55 and Retired – Older drivers may receive a discount up to 10% for Protege insurance.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Protege insurance than their less cautious counterparts.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Claim Free – Good drivers with no accidents can earn big discounts compared to frequent claim filers.

Drivers should understand that most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that possibly offer some of the above discounts include:

Check with each insurance company which discounts you may be entitled to. Savings may not apply in your area.

Is my situation unique?

When it comes to buying the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions might help in determining if your situation might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Do I benefit by insuring my home with the same company?
  • What can I do if my company won’t pay a claim?
  • Is my Mazda Protege covered if I use it for business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is there coverage for injuries to my pets?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I wreck a rental car?
  • When should I buy a commercial auto policy?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Educate yourself about auto insurance coverages

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage covers damage to your Protege from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, scraping a guard rail, crashing into a building, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for pain medications, funeral costs, EMT expenses, surgery and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism, hitting a bird and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

This coverage protects you from damage or injury you incur 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 might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like medical services, emergency aid, bail bonds, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but buy higher limits if possible.

Uninsured and underinsured coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Mazda Protege.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Don’t break the bank

When buying insurance coverage, do not reduce needed coverages to save money. There have been many cases where an insured dropped liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible for the lowest price.

Discount 2002 Mazda Protege insurance is available on the web and also from your neighborhood agents, so you should compare both to have the best selection. There are still a few companies who may not provide online quoting and most of the time these small, regional companies sell through independent agents.

People who switch companies do it for a variety of reasons including high prices, lack of trust in their agent, policy non-renewal and delays in paying claims. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Additional detailed information can be read in the articles below: