Cheaper 2017 Mazda MX-5 Miata RF Insurance Quotes

Sick and tired of trying to scrape together enough money to make your car insurance payment? You are no different than many other drivers. Multiple insurers compete for your insurance dollar, so it can be very hard to choose a insurance company to get the cheapest price

If you are insured now or are shopping for new coverage, you will benefit by learning to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Drivers only need to know the most efficient way to shop for insurance coverage on the web.

Where can I get cheap auto insurance?

Finding a lower price on 2017 Mazda MX-5 Miata RF insurance is a fairly straight forward process. Drivers just need to take a few minutes comparing price quotes to see which company has low cost car insurance quotes. Price comparisons can be done in a couple of different ways.

  • The fastest and easiest way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing repetitive form entry for each company. One simple form gets prices estimates from auto insurance companies with the best prices.
  • Another way to obtain and compare quotes online consists of going to each individual company website and repeat the quote process. For instance, we’ll pretend you want to get rates from State Farm, Liberty Mutual and GEICO. To find out each rate you need to spend time going to each site individually and repeatedly enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  • The least efficient way to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online has made agencies unnecessary unless your situation requires the advice and guidance that can only be provided by a licensed insurance agent. It is possible to compare the best prices online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just be sure you’re using the same quote information for each comparison quote. If you use mixed coverages you will not be able to make a fair comparison for your Mazda MX-5 Miata RF.

Pay discount rates these money-saving discounts

Insuring your fleet can be pricey, but there could be significant discounts that you may not know about. A few discounts will be applied when you purchase, but some may not be applied and must be requested specifically prior to receiving the credit.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Life Insurance – Not all insurance carriers offer life insurance, but some may give you better rates if you take out auto and life insurance together.
  • Accident Forgiveness – Not really a discount, but companies like State Farm and GEICO may permit one accident without raising rates as long as you don’t have any claims prior to the accident.
  • No Accidents – Insureds with no claims or accidents can save substantially in comparison with frequent claim filers.
  • Pay Early and Save – By making one initial payment rather than paying monthly you could save 5% or more.

Keep in mind that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will help reduce the premium cost.

A list of companies and a summarized list of policyholder discounts are:

  • State Farm offers premium reductions for passive restraint, accident-free, safe vehicle, Drive Safe & Save, good driver, student away at school, and anti-theft.
  • GEICO may offer discounts for multi-policy, emergency military deployment, driver training, anti-lock brakes, membership and employees, federal employee, and daytime running lights.
  • SAFECO discounts include teen safety rewards, accident prevention training, anti-theft, anti-lock brakes, drive less, and homeowner.
  • Farmers Insurance offers discounts for switch companies, alternative fuel, early shopping, teen driver, and pay in full.
  • AAA policyholders can earn discounts including education and occupation, good student, multi-policy, pay-in-full, and multi-car.
  • USAA offers discounts including multi-vehicle, defensive driver, annual mileage, military installation, family discount, new vehicle, and good student.

If you need the cheapest car insurance quotes, ask each insurance company how you can save money. Discounts might not apply in your area. To locate insurance companies that offer discounts, click here to view.

Do I need special coverages?

When buying proper insurance coverage, there really is no single plan that fits everyone. Every situation is different so this has to be addressed. For instance, these questions can aid in determining if you would benefit from professional advice.

  • What is medical payments coverage?
  • Do I really need UM/UIM coverage?
  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Do I need an umbrella policy?
  • Am I missing any policy discounts?
  • Can I make deliveries for my home business?
  • If my 2017 Mazda MX-5 Miata RF is totaled, can I afford another vehicle?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, medical services, legal defense fees, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as dental work, surgery and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, fire damage, hitting a deer and a broken windshield. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Mazda MX-5 Miata RF.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Be a money saver!

Throughout this article, we presented quite a bit of information on how to compare 2017 Mazda MX-5 Miata RF insurance premium rates online. It’s most important to understand that the more you quote car insurance, the better chance you’ll have of finding affordable car insurance. You may even discover the most savings is with a small local company. Smaller companies may only write in your state and offer lower prices compared to the large companies like State Farm, GEICO and Nationwide.

Cost effective 2017 Mazda MX-5 Miata RF insurance can be found both online as well as from insurance agents, so you need to shop car insurance with both to have the best selection. Some insurance coverage companies may not provide online price quotes and usually these smaller providers only sell coverage through independent agents.

Additional detailed information can be found by following these links:

Comments About 2017 Mazda MX-5 Miata RF Insurance

  1. Celeste Phillips

    Live in Rutland, VT. Can’t remember who all I quoted but I ended up saving about $40 each month. I have several vehicles insured with them. It’s still not cheap enough.

  2. Shaina Hammond

    If you don’t have tickets and are close to Allentown, PA, check out GEICO. I saved quite a bit.

  3. Randall Hodge

    Any Progressive or Farmers customers near Wichita, KS?

  4. Francene Neal

    Live in the southern part of Lincoln, Nebraska. Can’t remember who all I quoted but I ended up saving about $30 each month. Thankfully I’m not a high risk driver. It’s still not cheap enough.

  5. Benito Bass

    Is State Farm cheaper than GEICO in Fairbanks, AK?

  6. Dallas Henderson

    Cheap is not always the best policy. I live south of Bismarck, ND. I quoted with AIG Insurance, Mercury, and a few others for my MX-5 Miata RF and I think I am saving around $70 each month.

  7. Rodrick Vance

    I’m in Aberdeen, South Dakota. Checked online prices for a 2017 Mazda MX-5 Miata RF. Ended up at about $110 savings annually. Went with Allstate. Good multi-policy discounts. Just waiting to see how claims go.

  8. Deborah Bullock

    Live in the eastern part of Portland, OR. Not sure of all the companies but I ended up saving about $20 each month. Insured with AAA before.

  9. Roosevelt Lowe

    Good detail in your article. From West Valley City, UT. Quoted a bunch of companies. Saved darn near $30 a month. 21st Century was the best choice for me. Switched homeowners coverage too. Wish I didn’t have to insure at all.

  10. Matilde Brewer

    Cheap car insurance? What’s that? I live in Omaha, Nebraska. Quoted with Allstate, AIG Insurance, and Eastwood for my Mazda and saved just over $190 a year. I think they have home insurance too. Might find lower rates online.

  11. Audrey Austin

    Thanks for putting this site together. Got a quote with Mercury for my 2017 Mazda MX-5 Miata RF and saved about $560 a year. Insured with Encompass before. Thankfully I’m not a high risk driver. Just waiting to see how claims go.

  12. Jena Jacobs

    Cheap car insurance? What’s that? I’m just west of Fairbanks, Alaska. I quoted with GEICO, Amica, Farmers, and Hanover for my 2017 Mazda MX-5 Miata RF and I think I cut my rates about $60 each month. You can get a rate quote online.