1995 Mazda Protege Insurance Quotes – 8 Tips for Cheapest Rates

Looking for the cheapest insurance rates for your Mazda Protege? Finding better rates for insurance is challenging for beginners to shopping for insurance online. Consumers have so many companies to choose from that it can be a ton of work to find lower rates.

If you currently have a car insurance policy, you should be able to cut costs considerably using this information. This information will help educate you on how to get online quotes and some tips to save money. But drivers must comprehend how companies compete online and use this information to your advantage.

Automobile Insurance Quotes

All major auto insurance companies such as Progressive, GEICO, Allstate and State Farm quote prices on their websites. Getting online quotes is pretty easy as you just type in your personal and coverage information as detailed in the form. Behind the scenes, the company’s rating system obtains your driving record and credit report and provides a quote based on many factors.

Being able to quote online simplifies rate comparisons, but the time it takes to visit multiple sites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible in order to find lower prices.

An easier way to find lower prices is to use a quote form to return rates from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much easier to do. As soon as the form is sent, it is quoted and you can choose any or none of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process only takes a few minutes and you’ll know if lower rates are available.

To save time and compare pricing, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended that you enter your coverages identical to your current policy. This ensures you will receive a price comparison based on similar coverages.

How to know if you need help

When choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Does my 1995 Mazda Protege qualify for pleasure use?
  • Can I rent a car in Mexico?
  • What exactly is covered by my policy?
  • When would I need additional glass coverage?
  • Is pleasure use cheaper than using my 1995 Mazda Protege to commute?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your car insurance policy

Having a good grasp of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, crashing into a ditch, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, rock chips in glass and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mazda Protege.

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

Coverage for liability

This coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, repair bills for other people’s vehicles, structural damage, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for dental work, pain medications, nursing services and hospital visits. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay