Cheap 2015 Mazda MX-5 Miata Car Insurance Quotes

Locating the cheapest insurance for your Mazda MX-5 Miata could be a painful process, but you can use a few tricks to save time.

There is a better way to find insurance online so you’re going to learn the absolute fastest way to price shop coverage for a new or used Mazda and find the cheapest rates from local insurance agents and online providers.

Consumers need to quote other rates before your next renewal due to the fact that insurance prices change quite often. Despite the fact that you may have had the best rate for MX-5 Miata coverage a few years ago you may be paying too much now. Don’t believe everything you read about insurance online, but in a few minutes you can learn some of the best techniques to lower your insurance rates.

Lower your auto insurance rates with discounts

Some companies do not advertise the entire discount list very well, so the below list has a few of the more common and the harder-to-find credits available to lower your premiums when you buy car insurance online. If you don’t get every credit you qualify for, you are not getting the best rate possible.

• Driving Data Discount – People who choose to allow driving data submission to analyze vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they exhibit good driving behavior.
• Senior Discount – If you’re over the age of 55, you could receive lower premium rates for MX-5 Miata coverage.
• Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote for MX-5 Miata coverage compared to rates paid by drivers with frequent claims.
• Own a Home – Owning a home can earn you a little savings because of the fact that having a home shows financial diligence.
• Passenger Safety Discount – Factory options such as air bags or motorized seat belts can receive discounts of 20% or more.
• Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.

As a sidenote, most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will bring down the premium cost.

A few of the larger companies and some of the discounts are detailed below.

• Travelers has savings for multi-policy, driver training, save driver, student away at school, multi-car, hybrid/electric vehicle, and home ownership.
• 21st Century may have discounts that include defensive driver, student driver, automatic seat belts, air bags, early bird, and driver training.
• State Farm offers discounts for passive restraint, safe vehicle, Drive Safe & Save, good driver, anti-theft, Steer Clear safe driver discount, and student away at school.
• Geico discounts include anti-lock brakes, seat belt use, military active duty, air bags, multi-policy, and emergency military deployment.
• SAFECO may offer discounts for homeowner, drive less, teen safe driver, multi-car, anti-lock brakes, safe driver, and teen safety rewards.
• AAA includes discounts for pay-in-full, good driver, good student, multi-car, anti-theft, and AAA membership discount.

Check with each company or agent which discounts can lower your rates. Some of the discounts discussed earlier may not apply in every state.

First Step: Get free insurance quotes

Finding a lower price on 2015 Mazda MX-5 Miata insurance is not a difficult process. You just need to take a couple of minutes comparing rates to see which company has affordable car insurance quotes. Comparing prices online can be done by following the guidelines below.

The most efficient way to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating separate forms for every company. One form submission will get you price quotes from several companies. This is perfect if you don’t have a lot of time.

A slightly less efficient method to get quotes online consists of visiting each company’s website and repeat the quote process again and again. For examples sake, let’s assume you need rates from Liberty Mutual, Allstate and Progressive. To get rate quotes you would need to spend time going to each site individually and type in your information over and over, which is why first method is reommended. For a list of companies in your area, click here.

The last way to find lower rates is to spend time driving to insurance agents’ offices. The ability to get quotes online eliminates this option unless your situation requires the trained guidance of a local agency. Drivers can price shop online and get advice from an agent in your area.

The method you choose is up to you, but try to use nearly identical coverage information on every quote you get. If you use different data it will be next to impossible to make an equal comparison.

You are unique and your insurance coverage should be too

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

• Is pleasure use cheaper than using my 2015 Mazda MX-5 Miata to commute?
• Is my dog or cat covered if injured in an accident?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I covered when delivering products for my home-based business?
• Do I need higher collision deductibles?
• Am I covered when driving in Canada or Mexico?
• How high should my medical payments coverage be?
• What is UM/UIM insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability coverages

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, medical services, court costs, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2015 Mazda MX-5 Miata.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Collision insurance

This covers damage to your MX-5 Miata resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, pain medications and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to 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 auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, rock chips in glass and damage from getting keyed. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Quote often and quote early

You just learned a lot of ways to save on 2015 Mazda MX-5 Miata insurance. The key concept to understand is the more you quote car insurance, the higher your chance of finding low cost car insurance. Drivers may discover the lowest priced car insurance comes from a small mutual company.

Insureds who switch companies do it for any number of reasons including being labeled a high risk driver, policy non-renewal, an unsatisfactory settlement offer or policy cancellation. It doesn’t matter what your reason, switching car insurance companies is not as hard as you think.

Cheaper car insurance is definitely available online and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer the ability to get quotes online and most of the time these smaller providers provide coverage only through independent agents.

To learn more, feel free to browse the resources below:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Learn About Car Insurance (Geico)
• State Laws for Cellphones and Texting (iihs.org)
• Rollover Crash FAQ (iihs.org)