7 Money Saving Ideas Shown to Save Money on Mazda Protege Car Insurance Rates

Buyers have lots of choices when searching for affordable Mazda Protege insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to buy car insurance so we’re going to tell you the quickest way to price shop coverage for your Mazda and locate the lowest price.

It’s a good habit to do rate comparisons yearly due to the fact that insurance rates go up and down regularly. Just because you had the lowest price for Protege coverage six months ago a different company probably has better rates today. There is too much inaccurate information about car insurance online but we’re going to give you some great ways to find cheap car insurance.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Drivers only need an understanding of the best way to compare company rates online.

Where Can I Get Cheap Car Insurance?

All major car insurance companies like Allstate, GEICO and Progressive allow you to get insurance quotes on their websites. The process is quite simple as you simply type in the coverages you want as requested by the quote form. When complete, the system pulls your credit score and driving record and returns a price based on these factors.

This makes it a lot easier to compare rates but the time required to go to many different websites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible in order to get lower prices.

The preferred way to compare car insurance pricing uses one form that gets prices from several different companies. It saves time, requires much less work on your part, and makes online price comparison much more enjoyable. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the policy. It takes just a few minutes to complete and may save quite a bit of money.

If you want to use this form to compare rates, click here and begin entering your coverage information. If you have coverage now, it’s recommended you enter the coverages identical to your current policy. Using the same limits helps guarantee you will get an apples-to-apples comparison using the same coverage and limits.

You probably qualify for some discounts

Companies do not list all available discounts very well, so we researched some of the more common and the more hidden ways to save on car insurance. If you don’t get every credit available, you are paying more than you should be.

• Senior Discount – If you’re over the age of 55, you may receive better car insurance rates for Protege coverage.
• Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
• Accident Waiver – A handful of insurance companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
• Good Student Discount – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• No Claims – Good drivers with no accidents pay much less compared to drivers who are more careless.
• College Student – Youth drivers who live away from home and do not have a car can be insured at a reduced rate.

Consumers should know that most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous.

To see a list of companies offering car insurance discounts, click here to view.

Car insurance 101

Having a good grasp of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto collision coverage

This will pay to fix damage to your Protege resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, vandalism, rock chips in glass and damage from flooding. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage can cover damage that occurs to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things like attorney fees, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, prosthetic devices, rehabilitation expenses, hospital visits and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mazda Protege.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Online plus local equals savings

Cost effective Mazda Protege insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. Too many times, consumers will sacrifice liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

We just showed you many ideas to shop for Mazda Protege insurance online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with the smaller companies.