Lower Your 1996 Mazda MX-5 Miata Car Insurance Quotes

Looking for lower car insurance rates? Shoppers have a choice when shopping for low-cost Mazda MX-5 Miata insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons. There is a right way and a wrong way to find car insurance online and we’ll show you the best way to compare rates for a new or used Mazda and find the lowest possible price.

You should take the time to get comparison quotes occasionally since insurance rates tend to go up over time. If you had the lowest price on MX-5 Miata insurance a couple years back there may be better deals available now. Block out anything you think you know about car insurance because we’re going to demonstrate how to use online quotes to buy cheaper car insurance.

If you have a policy now or are just looking to switch companies, you can learn to cut your premiums and possibly find even better coverage. This article will teach you how to get online quotes. Drivers just need to know the tricks to compare rates online.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize every discount very clearly, so we researched both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you deserve, you are throwing money away.

  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on MX-5 Miata insurance with certain companies.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Driver Safety – Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.

Consumers should know that some credits don’t apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

Insurance companies that may have these money-saving discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts may not be available in your area.

Mazda MX-5 Miata rates are complex

Smart consumers have a good feel for the factors that go into determining insurance coverage rates. Knowing what determines base rates allows you to make educated decisions that can help you get lower insurance coverage prices.

Listed below are a partial list of the pieces companies use to determine your rates.

  • Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Mazda from damage. Some instances where coverage would apply are running into the backend of another car, damage from fire, or theft. Your deductibles are the amount of money you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on MX-5 Miata insurance.
  • Careful drivers pay lower rates – Careful drivers get better rates than people who have multiple driving citations. Even one ticket can boost insurance rates by as much as thirty percent. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. The safest vehicles protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you. If your Mazda MX-5 Miata has ratings of a minimum four stars on Safercar.gov you may qualify for a discount.
  • Older drivers pay less – Young drivers have a tendency to be less responsible when behind the wheel so they pay higher insurance coverage rates. Older insureds tend to be more responsible, tend to cause fewer accidents and are safer drivers.
  • Liability coverage protects you – The liability section of your policy will protect you if ever you are found to be at fault for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Marriage pays dividends – Having a wife or husband can get you a discount when buying insurance coverage. Having a spouse usually means you are more responsible and it’s proven that drivers who are married are more cautious.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 1996 Mazda MX-5 Miata?
  • Can I afford low physical damage deductibles?
  • How can I get my company to pay me more for my totalled car?
  • Where can I find DUI or SR-22 insurance?
  • Exactly who is provided coverage by my policy?
  • Is my camper covered by my car insurance policy?
  • What are the financial responsibility laws in my state?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Specific coverage details

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Mazda MX-5 Miata.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability – This can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services, repair costs for stationary objects, pain and suffering and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for immediate expenses for EMT expenses, dental work, doctor visits, surgery and chiropractic care. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, hail damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

In Summary

Drivers switch companies for many reasons like questionable increases in premium, lack of trust in their agent, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is less work than it seems.

We just covered quite a bit of information on how to save on 1996 Mazda MX-5 Miata insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the lowest rates come from a small mutual company.

Cost effective insurance can be found both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and these small insurance companies work with independent agents.

Even more information can be found at these sites: