1997 Mazda Protege Insurance Quotes

Have you fallen victim to an overpriced insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance. Big-name insurance companies like GEICO, Progressive and Allstate persitently shower you with catchy ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have a policy now or need a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the most effective way to shop for auto insurance online.

Insurance Coverage Quote Comparison

Performing a rate comparison can be a daunting task if you don’t know the easiest way. You can waste hours discussing policy coverages with insurance companies in your area, or you could use online quoting to achieve your goal.

Many companies belong to an insurance system where prospective buyers submit one quote, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating quote forms to each company.

To find out how much you can save on insurance coverage click here (opens in new window).

The single downside to doing it this way is you are unable to specify which providers to receive prices from. So if you prefer to pick from a list of companies to receive pricing from, we have a listing of companies who write insurance coverage in your area. Click here to view list.

However you get your quotes, make darn sure you compare apples-to-apples coverages and limits for each price quote. If you are comparing different limits and deductibles on each one it will be next to impossible to make an equal comparison.

Best discounts on 1997 Mazda Protege coverage

Auto insurance companies don’t always list all available discounts very clearly, so we took the time to find both well-publicized and the harder-to-find insurance coverage savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Protege insurance than drivers with accident claims.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Claim Free – Claim-free drivers pay much less when compared to frequent claim filers.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way.

Companies that may offer some of the above discounts include:

Before buying, ask all companies you are considering how you can save money. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • Is my state a no-fault state?
  • Do I have coverage if my license is suspended?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why am I required to buy high-risk coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have coverage when making deliveries for my home business?
  • How much liability coverage do I need in my state?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Specific coverages for a Mazda Protege

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Collision coverage

Collision insurance will pay to fix damage to your Protege resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Auto liability

This coverage provides protection from damage that occurs to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a bird and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like dental work, pain medications, surgery, funeral costs and nursing services. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible