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Mazda Protege Insurance Rates

Finding cheaper auto insurance by getting online quotes saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to get rates from all providers so you can get the cheapest rate quotes.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quoting. But relax because comparing prices is actually very simple. Finding lower Protege insurance cost can be relatively painless. You just have to spend a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates paid to insure a Mazda Protege can fluctuate considerably and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • Low deductibles cost more
  • Safety rating of your Protege
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you own your home

A final factor which can affect Protege insurance rates is the model year. New vehicles have a higher actual cash value in comparison to later models so the costs to repair may result in higher rates. On the flip side, new Mazda models may have a trim level with safety features like anti-lock brakes, adaptive headlights, and adaptive cruise control which may give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability - This provides protection from damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage - This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper Protege insurance rates.

Comprehensive or Other Than Collision - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your Mazda Protege comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Mazda Protege Insurance Rates?