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Mazda Mazdaspeed MX-5 Miata Insurance Rates

Buying car insurance by quoting online is easy, plus you might just save a little. The key is to get rates from all providers so you can get the cheapest rate quotes.

People who are new to buying insurance may think finding affordable Mazdaspeed MX-5 Miata insurance is hard. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The recommended way to find competitive Mazdaspeed MX-5 Miata insurance cost is to get quotes online. This can be done by completing this short form.

Rates are impacted by these factors

Auto insurance rates paid to insure a Mazda Mazdaspeed MX-5 Miata can fluctuate considerably based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Crash test rating for your Mazdaspeed MX-5 Miata
  • What you do for a living
  • The amount of protection requested
  • Home ownership saves money

A final factor that helps determine Mazdaspeed MX-5 Miata insurance rates is the model year. Older models have a lower value in comparison to older models so the costs to repair will push premiums down. But newer models may have a trim level with safety features including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which may give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages - Liability insurance protects you from damage or injury you incur to a person or their property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage - Collision insurance pays for damage to your Mazda from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages - This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your Mazda Mazdaspeed MX-5 Miata comprehensive insurance. The most your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments - Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Mazda Mazdaspeed MX-5 Miata Insurance Rates?