Get Cheaper Mazda Protege Insurance in Three Steps
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. Finding good insurance for your Mazda Protege probably leaves you feeling the same way.
Step One: Compare Multiple Rate Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Times have changed!
All the major car insurance companies sell insurance for a Mazda Protege and you can compare their rates by entering your information only one time.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Apples-to-Apples! When doing comparison quotes for your Protege, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Best Ways to Lower your Protege Insurance Cost
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Protege that will also lower the rate you pay irregardless of which company you choose.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Most Mazda vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Protege is on the list of the most frequently stolen cars, you might be paying just a little extra.
Step Three: Buy the Best Policy
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
If this is a new policy with only the Mazda on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. Your existing car insurance policy will give you some coverage if you buy a new or used Protege, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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