1996 Mazda Protege Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 14, 2021

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Searching for lower insurance coverage rates for your Mazda Protege? Are you a victim of overpriced insurance coverage? Trust us, there are many consumers feeling the pinch from expensive insurance coverage. You have so many car insurance companies to choose from, and even though it’s nice to be able to choose, it makes it harder to find the lowest cost provider.

Consumers need to get comparison quotes once or twice a year since insurance rates change frequently. Just because you had the lowest price on Protege coverage six months ago there is a good chance you can find better rates now. There is a lot of bad advice regarding insurance coverage online, so by reading this article, you’re going to learn some excellent ideas to slash your insurance coverage rates.

The purpose of this post is to tell you the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Drivers only need to know the tricks to shop their coverage around online.

Insurance Comparison Rates

There are a variety of methods you can shop for 1996 Mazda Protege insurance but some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use the internet to maximize your effort.

Many popular insurance companies participate in a marketplace where insurance shoppers complete one form, and every company returns a competitive quote based on that data. This system prevents you from having to do quote forms for every insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to using this type of form is you cannot specify which companies you will receive quotes from.

It’s up to you which method you use, but compare apples-to-apples quote information for each price quote. If your comparisons have different deductibles it’s impossible to make a fair comparison for your Mazda Protege.

Tailor your coverage to you

When choosing the right insurance coverage, there really is no perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Should I rate my 1996 Mazda Protege as pleasure use or commute?
  • Am I covered when using my vehicle for business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I carry comprehensive and collision coverage?
  • What if I owe more than I can insure my car for?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does medical payments coverage apply to all occupants?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent.

Insurance coverages 101

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Liability insurance

Liability insurance will cover damage that occurs to a person or their property. This insurance protects YOU against other people’s claims, 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. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees and legal defense fees. How much coverage you buy is up to you, but consider buying higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists 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.

Because many people 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. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses like doctor visits, hospital visits, chiropractic care, surgery and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

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