How Much Does 2001 Mazda Protege Car Insurance Cost?

Trying to find cheaper insurance coverage rates for your Mazda Protege? If you are a novice to online insurance coverage shopping, you can be overwhelmed by the vast number of insurance coverage companies offering coverage.

Cut your premium with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. Most are applied at quote time, but a few need to be specifically requested in order for you to get them.

  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Protege coverage with a few car insurance companies.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • No Claims – Drivers with accident-free driving histories pay much less compared to bad drivers.
  • Sign Online – Some insurance companies will give a small break for buying your policy online.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings on your policy on Protege coverage.

A little note about advertised discounts, most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous. But all discounts will reduce the cost of coverage.

A partial list of companies that may have some of the above discounts are:

It’s a good idea to ask every prospective company how you can save money. Savings may not be available in every state.

How to Lower Your Insurance Cost

Performing a rate comparison can be a lot of work if you don’t know the fastest way to get free quotes. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use online quoting for quick rates.

The majority of car insurance companies enroll in a system that enables customers to submit their information once, and every company can give them a price. This eliminates the need for quote requests to each company.

To compare 2001 Mazda Protege rates now click here to open in new window.

The single downside to comparing rates this way is that consumers can’t choose which providers to get pricing from. If you wish to select specific insurance companies to compare rates, we put together a list of companies who write insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use identical coverage limits and deductibles for each comparison quote. If you enter different deductibles it will be very difficult to make a fair comparison for your Mazda Protege. Slightly different insurance coverages could mean much higher rates. Just remember that quoting more will improve the odds of getting lower pricing.

These factors can influence what you pay for Mazda Protege insurance

It’s important that you understand the factors that go into determining the price you pay for car insurance. Knowing what controls the rates you pay enables informed choices that could result in better car insurance rates.

  • How credit affects car insurance rates – Credit history is a huge factor in calculating your car insurance rates. If your credit is not that good, you could potentially save money when insuring your 2001 Mazda Protege by repairing your credit. People with high credit ratings tend to be more responsible than drivers with lower credit scores.
  • How your age affects price – Mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Youthful drivers tend to be less responsible in a vehicle and because of this, their car insurance rates are much higher.
  • Rates may be lower depending on your job – Did you know your job can affect your rates? Careers like real estate brokers, social workers and dentists tend to have the highest average rates attributed to high stress levels and long work days. Other professions such as farmers, historians and homemakers receive lower rates on Protege coverage.
  • Where you live is a factor – Residing in small towns and rural areas is a positive aspect when it comes to car insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers have to deal with more traffic problems and longer commute times. More time on the road means higher likelihood of an accident.
  • Proper usage rating affects rates – Driving more miles in a year’s time the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Protege can result in significantly higher rates. Double check that your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • Discounts for multiple policies – The majority of companies provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to compare rates to ensure the best deal.

What is the best insurance coverage?

When choosing proper insurance coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that can help discover if you may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • How much liability do I need to cover my assets?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I drop full coverage on my 2001 Mazda Protege?
  • Is my Mazda Protege covered if I use it for business?
  • What can I do if my company won’t pay a claim?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, theft, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.


Liability insurance can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, bail bonds, medical services, pain and suffering and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

This covers damage to your Protege caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like surgery, rehabilitation expenses, pain medications, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many 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. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

In any little way, save everyday

People switch companies for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, high prices or even poor customer service. It doesn’t matter why you want to switch switching insurance companies can be pretty painless.

In this article, we presented some good ideas how you can lower your 2001 Mazda Protege insurance rates. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from a lesser-known regional company.

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There have been many situations where an insured dropped liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price while still protecting your assets.

Additional detailed information can be found at these sites: