View 2014 Mazda MX-5 Miata Car Insurance Quotes

Want better auto insurance rates for your Mazda MX-5 Miata? Trying to find better insurance prices for a new or used Mazda MX-5 Miata could be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to compare auto insurance rates and you need to know the proper way to get price quotes for a Mazda and locate the best price possible.

Pay less for Mazda MX-5 Miata insurance

Auto insurance companies don’t always list every discount very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Homeowners Savings – Owning a house can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Memberships – Affiliation with a qualifying organization may earn a discount on auto insurance for MX-5 Miata coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Distant Student – Children who live away from home and don’t have a car can receive lower rates.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for MX-5 Miata coverage with a few auto insurance companies.

As a disclaimer on discounts, many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

A partial list of companies who might offer these money-saving discounts include:

It’s a good idea to ask each company how you can save money. Savings might not apply in every state.

Where Can I Get Cheap Insurance?

Getting better 2014 Mazda MX-5 Miata insurance pricing can be surprisingly simple. The only requirement is to invest a few minutes to compare quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The recommended way to get quotes is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing separate quotes for each company you want a rate for. A single form will get you rate comparisons instantly. It’s definitely the quickest method.
  • A more difficult way to shop for insurance online requires visiting each company’s website and request a quote. For example, we’ll assume you want comparison quotes from Nationwide, GEICO and State Farm. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

Whichever method you choose, be sure to compare exactly the same coverage limits and deductibles with each company. If you have mixed coverages it will be impossible to make an equal comparison.

Mazda MX-5 Miata insurance rates consist of many parts

It’s important that you understand the rating factors that go into determining car insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to lower car insurance prices.

  • Bad driving skills means higher rates – Your driving citation history has a big impact on rates. Just one ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers who have severe citations such as DUI or reckless driving may need to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Never allow your policy to lapse – Allowing your coverage to lapse is a quick way to bump up your car insurance costs. And not only will your rates increase, failure to provide proof of insurance will get you a steep fine or even jail time.
  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men cause accidents at a similar rate, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.
  • Lower rates come with age – Young drivers are statistically proven to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, tend to cause fewer accidents and receive fewer citations.
  • How credit affects car insurance rates – Having a bad credit history is a important factor in determining your rates. If your credit rating is not that good, you could save money insuring your 2014 Mazda MX-5 Miata by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • The more you drive the more you pay – The more miles you rack up on your Mazda each year the more you will pay for car insurance. Almost all companies apply a rate based on their usage. Vehicles that are left in the garage receive lower rates compared to those used for work or business. If your policy improperly rates your MX-5 Miata may be wasting your money. Verify your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • High numbers of claims are not good – Companies give lower rates to people who do not file claims often. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for major claims that would cause financial hardship.
  • Safer cars cost less to insure – Cars with high safety ratings get lower rates. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Mazda MX-5 Miata has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • Am I covered if my car is in a flood?
  • Am I covered if hit by an uninsured driver?
  • Are rental cars covered under my policy?
  • When can I cancel my policy?
  • Do I have coverage if my license is suspended?
  • How high should deductibles be on a 2014 Mazda MX-5 Miata?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Drivers who switch save $384 a year? Really?

Consumers get pounded daily by advertisements that promise big savings by Allstate and Progressive. They all seem to make an identical promise that you can save if you move to their company.

But how can every company claim to save you money?

All companies have a preferred profile for the right customer that is profitable for them. For instance, a desirable insured could possibly be between 30 and 50, owns a home, and drives newer vehicles. A driver that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Consumers who are not a match for the requirements will be quoted higher rates which leads to business not being written. The ads say “customers that switch” but not “drivers who get quotes” save money. That is how companies can claim big savings. This emphasizes why drivers should compare as many rates as you can. It is impossible to predict which company will give you the biggest savings on Mazda MX-5 Miata insurance.

Insurance coverages 101

Understanding the coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Mazda MX-5 Miata.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision – Collision insurance will pay to fix damage to your MX-5 Miata resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability coverage – This coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, bail bonds and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for hospital visits, surgery, funeral costs and ambulance fees. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, hitting a bird, a broken windshield, hail damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Smart shoppers get results

We’ve covered a lot of tips how to lower your 2014 Mazda MX-5 Miata insurance rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best prices are with the least-expected company.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at the best price.

The cheapest insurance can be bought online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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