Insurance Question...

[CChris704]

Hey, I was lookin to get a MSP within the next week or so. I was wondering what the insurance goes for for this car... is it family sedan, sports car or what because I can't pay for a sports car or anything that they count as a turbo...(wrx is a family sedan. Thanks in advance.

[noclue119]

mine is 1350 for 6 month. I'm a 22 yr old male with 2 speeding tickets. pretty high i know. Oh ya i'm with progressive. They were the cheapest for me.

[TitanB]

Insurance will vary from person to person depending on tickets, coverage, number of cars covered, etc. You should just call the office you get your insurance thru now, and just tell them you are thinking of getting a new car and want to check the price. They should be able to quote you a price.

[Wolfpack]

mine's covered as a protege sedan. no distinction between the msp and the normal protege.

[ARunto]

my insurance is more than a EVO...but actually cheaper than my 1995 Acura Integra GSR i had...weird huh?

[ARunto]

mine's covered as a protege sedan. no distinction between the msp and the normal protege.

who do you use?

[CChris704]

when I'm getting it quoted should I tell them just Mazda Protege or Mazdaspeed Protege?

[noclue119]

Gotta tell the truth. In my case i told them 2003.5 mazdaspeed protege. However i believe that their database has my car under 2004 model. Which is not my fault :)

[MrDiggler]

The VIN number will tell them it's a Mazdaspeed. At least it did with every company I checked with.
It was $60 more per year than a Protege5 that I checked on as well. Go figure!

By all means, check around with different companies/agencies. You'd be amazed at how much difference there is between companies.

[MSBlueP]

I wish I can say that.. everyone has quoted me for
$580+ A MONTH!

I'm 20 been driving for 3 years.
One Minor Accident caused of weather. *black ice*
No Tickets!

[ARunto]

wow that's alot!!!

[PHILLY-ORANGE]

mine is 225.00 a month not bad and live right out side philly city traffic

[SpeedMcheen]

I can proudly say I am finally under $100 a mo. All it took is 3-years with no tickets or large claims and requotes every year or so.

[MazdaDryvr]

My insurance company considers my 03 MSP an ES Protege. They go by VIN. I think I heard that the 3.5 MSP was listed differently.

[Tri-C]

mine is 225.00 a month not bad and live right out side philly city traffic

Jez, you made my night - I pay that for 6 cars and 2 drivers.

[MSP FOR LIFE]

wow this is crazy I thought they considered the MSP as a sedan and not a sports car whatsoever. Somehow im 21 with i think 5 pts on my liscence and I only pay $80-90 a month for my insurance which is the main reason I got this car cause the insurance was so damn cheap. I pay less for my insurance than my sister does for her 99 ford escort. haha go figure.

[CChris704]

anyone with state farm? i think i'm going to be stuck with them. thanks for all the replies

[ARunto]

Chris i am with state farm but i pay nowhere near the rates you are paying

[Leigh]

I've also got state farm - I'm at about 140$/mo

[solospeed]

I Pay 161 Per Month An I'm 21 W/ 2 Point

[GA_MZDASPEED]

If any one on the board is a former military officer or the CHILD of one..... call USAA ins. to see if your eligible ...they are the BEST insurance co....w/ BEST rates..and BEST cust serv..........just dont screw up a bunch of times cause they will give you the boot...that is why their rates are the lowest....they have the best drivers...and they send me money at the end of the year if the cliams they paid were less then predicted..........which has been every year i had them.(15yrs)...when i turned 25 my rates dropped $800 / yr and they sent me back $600-ish

[Wha'Happened]

I am also with State Farm and I pay 170 a month. I have no tickets but an accident a few months ago where I was at fault and my vehicle was totalled. No other people or property where involved. It is a lot cheaper than I thought I was going to have to pay so I cant complain!!!

[MazdaSpeedTurbo]

wow i have you all beat im 20 male with 0 points and my insurance is 300 month and it is lowest i can find.! i hate my life for this fact alone all paychecks goto insurance, car and gas!

[MazdaSpeedTurbo]

(bike) But i love my MSP! (lol2)

[t3ase]

My insurance is $360/mth. :D

I hope I just made everyone feel better.

[AutoBox]

i pay 244 a month thru gieco, 20 years old and clean record...also its down as a mazdaspeed, they go by vin number.......alsoinsurance goes by engine size when they charge more.....no matter the output of hp a 4cyl evo will be cheaper then a v6 or v8 sedan....etc etc......

[chuyler1]

mine is 1350 for 6 month. I'm a 22 yr old male with 2 speeding tickets. pretty high i know. Oh ya i'm with progressive. They were the cheapest for me.
Must be great living in GA, I pay about 1100 in Mass. for my P5 and I'm 24 with a perfect driving record.

[rocketspeed]

The MSP's insurance isn't too high. Its within a couple of bucks of my Focus SVT and my old GTI VR6. 2 drivers, both cars runs me about $1,700 year in the Boston area, which has pretty high insurance rates.

Helps that I'm 27 and have no tickets/accidents, however.

[hazeXban]

491 a month...Its rough but should only be like that for me for this first year. I have 2 tix that my ins considers 4 points each, though I have only 1 point on my license. Next year I will have 0 ins points and I plan on switching carriers to lower my rate. Insurance in Jersey sucks... (pissed) Oh and I am a 23 year old male...I think I got everyone beat on this.

[MSBlueP]

491 a month...Its rough but should only be like that for me for this first year. I have 2 tix that my ins considers 4 points each, though I have only 1 point on my license. Next year I will have 0 ins points and I plan on switching carriers to lower my rate. Insurance in Jersey sucks... (pissed) Oh and I am a 23 year old male...I think I got everyone beat on this.

nope sorry.. still doesn't come close to my $600 A MONTH. heheh

[Go Mifune]

Mine is 81 a month. I tried to tell them it was a turbo car, but that was back in Jan of 2003. They couldn't find a mazdaspeed so it is listed as a normal protege.

[StreetUnit]

Allstate has me at $139/ month, $840 for 6 months. 21yr old male, clean record, knock on wood.

[muohio]

Wow, after reading these posts I don't feel bad that my insurance went up to $450 every 6 months. My finacee hates me because I pay less than she does for her '95 4cyc S-10 :) Hopefully once I get married, all of our insurance will go down. Seems that Ohio Casualty Group is great in Ohio and Progressive is just a little more. Don't get how you guys will pay more a month for insurance though ?:) Mine is listed as a MSP on my insurance card.

[TiGrayMsp716]

For everyone that insurance has their car listed as a DX Protege If you get into an accident you may get screwed. They'll only pay you for a DX. Make sure they have it down as a MSP.

[generix]

I pay $133 per month through progressive in Savannah, GA. 24, male, one speeding ticket two years ago.

[KyRaceFan]

anyone with state farm? i think i'm going to be stuck with them. thanks for all the replies


Ive got Ky State farm.
270 a month. Im 20, no tickets, no accidents, and not major discounts.
In 2 weeks, when i turn 21, it cuts by 45% to about 140 a month.
And i get a refund, i cant wait.

[Damaga]

118$ a month here in Ohio with American National...I'm 26 with 1 recent speeding ticket...
One question: how do you guys pay for food when you have a car payment + a 600$ per month insurance rate???? I'd be screwed with such a rate!!!

[BremertonMSP]

nope sorry.. still doesn't come close to my $600 A MONTH. heheh

Holy Cheep Chit!! $600 a month?! (upbum)

$124 a month, full coverage on two vehicles. I think I'm paying too much. And my insurance company knew I had an MSP without me telling them. Like others have said, they got it from the VIN#.

[PhreakV]

well, to my understanding, it depends on what year your MSP is on whether or not its listed as an MSP or simply a Protege. the 03s and 03.5s get screwed depending on the insurance company because its listed as a MSP. but as far as people getting screwed if its not listed as an MSP; I believe that the company goes off of your VIN # and its their responsibility to figure out its a MSP because they are insuring the car as it sits from the factory (unless you've got insurance on extra toys :D ) and are required (depending upon the contract) to return it to factory specifications or total it out. at least that's my understanding of the system

[mazdaowner123]

$2611/year. I just turned 17 on January 15th. No tickets or accidents. It's on my parents plan but I'm listed as the primary driver, and it's through Erie Insurance. How old are you CChris?

~brian

[Gstuck]

$70.00 a month, but im 29, maried with a 6 year old, and no tickets.
I gave the insurance comp the vin# and it came up as a 2003 Protoge.

[muohio]

118$ a month here in Ohio with American National...I'm 26 with 1 recent speeding ticket...
One question: how do you guys pay for food when you have a car payment + a 600$ per month insurance rate???? I'd be screwed with such a rate!!!

Wow, I ticket really does wonders to the rate. I pay $75 a month and I'm also 26 in Ohio, but without any tickets. I could never see paying $600 a month for insurance when I could buy a new STi for that amount a month.

[KyRaceFan]

My insurance is for a MazdaSpeed Pro, not a Protege...
12 days and counting till my insurance drop.


I also live at home, so the 500 a month for car payment and insurance doesnt totally break my bank. :D

[Daniel Young]

I'd sell my car and take the fuckin bus before I payed over $150.00 a month no matter where I lived. That's just plain outrageous!

[MSBlueP]

Wow, I ticket really does wonders to the rate. I pay $75 a month and I'm also 26 in Ohio, but without any tickets. I could never see paying $600 a month for insurance when I could buy a new STi for that amount a month.


same for me.. i was going for an rx-8.. but I couldn't afford the insurance.. :(

I'm still shopping for better insurance.. *sigh*

[CChris704]

$2611/year. I just turned 17 on January 15th. No tickets or accidents. It's on my parents plan but I'm listed as the primary driver, and it's through Erie Insurance. How old are you CChris?

~brian

wow, thats a lot... I'm 17 also

[mspdfreak]

Three words: Mommy and Daddy.(birthday)
118$ a month here in Ohio with American National...I'm 26 with 1 recent speeding ticket...
One question: how do you guys pay for food when you have a car payment + a 600$ per month insurance rate???? I'd be screwed with such a rate!!!

[Notorious_V.I.C]

i pay 1500 for 6 months, well actually my dad does but if i had a job i would pay it. oh yeah i'm 18

gotta help out

[StreetUnit]

I haven't seen a penny from the folks in 2.5 years. Must be nice...

[WoFo Speed]

heck, i pay about 1200 every 6 months and ive claimed one big wreck that im gettin sued for because the dumbass in the other car didnt have his seatbelt on. im only 18 right now

[CatD399]

Geez... and i thought i was paying a lot at 1100 canadian per year..................................

[NJMAZDASPEED]

$275 a month here. Kinda rough considering my last car was a 99 GTP and that was only 200 a month, but I love my MSP!!! 22 yrs. in NJ with no points.

[MSP#735]

$275 a month here. Kinda rough considering my last car was a 99 GTP and that was only 200 a month, but I love my MSP!!! 22 yrs. in NJ with no points.
$78 a month with Allstate and living in NC....Not too shabby eh?

MSP#735

[Notorious_V.I.C]

thats hella good, MSP#735....and thats full coverage right???

[MSP#735]

thats hella good, MSP#735....and thats full coverage right???
Sure is......im 24.....that may help a bit also....ive been with the same insurance now since i was 16 so......longevity (sp) helps!

MSP#735

[KyRaceFan]

Cashed my $185 refund check from my insurance company yesterday. Turned around and spent it on my $247 car registration tax.
:mad:

[cthomp21]

For some strange reason the insurance on my Speed is only $276 every 6 months with American Family Insurance. I'm 28 and married, but that still seems pretty cheap (full coverage with $250 deductible).

[KyRaceFan]

I'm 28 and married
I bet you also have a house.
You answered your own question.
:)

[cthomp21]

True. But, my Contour SVT costs around $400, the truck around $350, the Miata around $240, and the RX-7 about $350.

I was expecting the Speed to be in the $400 range. It even lists it as a Mazda Protege Speed on the insurance contract. Not that I'm complaining, just unexpected. Maybe American Family groups the Speed along with the rest of the Protege's, hence the low rate???

[spacemonkey]

I pay about $1,300 annually...becasue im on my mom's family plan. They have a good driving record.

[spacemonkey]

For everyone that insurance has their car listed as a DX Protege If you get into an accident you may get screwed. They'll only pay you for a DX. Make sure they have it down as a MSP.
Yeah that what I reported my car as...but they qyuickly found out it was a Mazdaspeed.

How could you get away with it when they run your VIN#

[msubullyfan]

Go to Progressive's Web site (www.progressive.com (http://www.progressive.com)). You can get a quote for them and three other insurance companies in about 5 minutes.

[denverdashed]

Hey, I was lookin to get a MSP within the next week or so. I was wondering what the insurance goes for for this car... is it family sedan, sports car or what because I can't pay for a sports car or anything that they count as a turbo...(wrx is a family sedan. Thanks in advance.
You might want to compare, check this site http://www.insurance-quote-free.com
I was amazed with the premiums I was quoted on. The entire quote was
automated, simple questions and straight forward answers. This might help you!
(eyeballs) (eyeballs) (eyeballs)

[silverspeed03]

WOW, some of you guys pay a lot for insurance. I'm 22 years old with 6 tickets, ranging from speeding to going down a closed road. I have 3 accidents, 2 of which were my fault and my last one being May 15th 2005 (not my fault) and totaled my 2001 Acura CL type S, my insurance compay had a large payout. And after all this my monthly payments are only $ 110.00!!! DAMN, my insurance company rocks!!!! And this is full coverage!!!!!

[StreetUnit]

WOW, some of you guys pay a lot for insurance. I'm 22 years old with 6 tickets, ranging from speeding to going down a closed road. I have 3 accidents, 2 of which were my fault and my last one being May 15th 2005 (not my fault) and totaled my 2001 Acura CL type S, my insurance compay had a large payout. And after all this my monthly payments are only $ 110.00!!! DAMN, my insurance company rocks!!!! And this is full coverage!!!!!

You gotta be ridin' the parents insurance still. Way to go (thumb) you're lucky.

I am at $130/month.

[BOOSTR]

www.insweb.com (http://www.insweb.com) also has quotes. Depending on your age and driving history, Progressive might be your only option. As far as the company having your vehicle description wrong, it doesn't matter unless you knowingly mislead them. Its up to them to classify and rate your vehicle properly. If you have additonal equipment on the car, its up to you to let them know and pay the additional premium for the equipment. Otherwise, your claim settlement will be based on a stock MSP and equipment. The MSP is not a surcharged car. The power to weight ratio does not mandate a performance surcharge.

[sbagdon]

39, no tickets or accidents, married, house, multi-car discount, and still decent insurance in one of the most expensive markets to own a car. USAA is excellent.


I bet you also have a house.
You answered your own question.
:)

[sbagdon]

Oh, I do miss NC insurance rates (Raleigh for a year). After 25 years in South Florida, it was heaven.


$78 a month with Allstate and living in NC....Not too shabby eh?

MSP#735

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