Vehicles > Mazda > Protege5

Mazda Protege5 Insurance Rates

Buying car insurance by comparing rates online saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to take the time to get rates from as many companies as possible in order to have the lowest prices.

Shopping online for car insurance is challenging if you are a beginner to online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The easiest way to compare Protege5 insurance cost is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine your insurance rates?

Insurance premiums for your Mazda Protege5 can vary widely and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new Mazda models so the payout to repair may end up costing you less. Conversely, new Mazda models have more advanced features such as automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive which can lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Auto liability insurance - This provides protection from damages or injuries you inflict on other's property or people in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision - Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. PIP coverage is not universally available and gives slightly broader coverage than med pay.

How Much are Mazda Protege5 Insurance Rates?