Locating the cheapest insurance for a Mazda Protege can turn out to be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to find car insurance online so you’re going to learn the quickest way to price shop coverage for a new or used Mazda and get the lowest possible price.
Consumers need to take a look at other company’s rates on a regular basis since insurance rates change regularly. Just because you had the lowest price for Protege insurance six months ago you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the easiest way to find lower rates on car insurance.
If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Pricing affordable car insurance is easy if you know what you’re doing. Nevertheless, drivers should learn how big insurance companies sell insurance online.
Discounts are available to cut your rates
Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so we took the time to find both the well known as well as the least known savings tricks you should be using.
- Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current expiration date. The savings is around 10%.
- Life Insurance – Larger companies have better rates if you take out life insurance from them.
- Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
- Drive Safe and Save – Safe drivers can pay as much as 50% less for Protege insurance than their less cautious counterparts.
- Student in College – Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
It’s important to understand that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
Car insurance myths debunked
Car insurance providers like 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all have a common claim about savings if you change your coverage to them. How can each company say the same thing? This is how they do it.
Insurance companies can use profiling for the type of customer that is profitable for them. A good example of a desirable insured could possibly be over the age of 40, a clean driving record, and has a short commute. A propective insured that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.
Potential customers who do not match the requirements will be quoted a higher premium and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully advertise the savings. This emphasizes why it is so important to get as many comparisons as possible. It’s just too difficult to predict which car insurance company will have the lowest rates.
Compare but don’t skimp
Consumers switch companies for many reasons like unfair underwriting practices, questionable increases in premium, lack of trust in their agent and even delays in paying claims. Whatever your reason, finding a great new company is not as hard as you think.
You just learned many ideas to lower your Mazda Protege insurance rates. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest rates come from the smaller companies.
While you’re price shopping online, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice physical damage coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.
