Cheap 2017 Mazda MX-5 Miata RF Car Insurance Cost

Looking for better car insurance rates for your Mazda MX-5 Miata RF? High-priced car insurance can dwindle your family’s budget and make it hard to pay other bills.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

It’s important to quote other rates periodically because prices are variable and change quite frequently. Just because you found the lowest rates on MX-5 Miata RF insurance a few years ago there is a good chance you can find better premium rates now. You can find a lot of wrong information about car insurance out there, but in a few minutes you can learn a bunch of ideas how to lower your car insurance premiums.

Lower rates by qualifying for discounts

Some companies don’t list all available discounts in an easy-to-find place, so the next list breaks down both the well known as well as the least known ways to save on car insurance. If you do not check that you are getting every discount possible, you could be paying more than you need to.

  • Military Discounts – Being on active duty in the military could qualify you for better premium rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
  • College Student – Older children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
  • Good Grades Discount – This discount can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on MX-5 Miata RF insurance than their less cautious counterparts.
  • Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.
  • Multiple Cars – Drivers who insure multiple vehicles on a single policy can get a discount for every vehicle.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, car insurance companies aren’t that generous. Any qualifying discounts should help lower the amount you pay for coverage.

A list of companies and some of the discounts are shown below.

  • GEICO offers premium reductions for daytime running lights, anti-theft, defensive driver, driver training, and military active duty.
  • Auto-Owners Insurance may offer discounts for group or association, mature driver, good student, company car, multiple vehicles, and teen driver.
  • American Family policyholders can earn discounts including good student, air bags, bundled insurance, accident-free, early bird, and good driver.
  • Esurance offers discounts including renters, multi-car, Switch & Save, claim free, good student, and online shopper.
  • Progressive offers discounts for good student, online signing, multi-vehicle, continuous coverage, and homeowner.
  • State Farm may include discounts for student away at school, driver’s education, accident-free, multiple autos, Drive Safe & Save, and good student.
  • AAA has savings for AAA membership discount, good student, multi-car, good driver, pay-in-full, education and occupation, and anti-theft.

Before buying, ask every company how you can save money. Depending on the company, some discounts may not apply in your state. To find providers that can offer you the previously mentioned discounts, click this link.

Compare free insurance coverage rate quotes

When shopping for insurance coverage there are multiple ways to compare rate quotes from insurance coverage companies in your area. The easiest way to compare rates is to jump online and get quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating separate quote forms for every prospective company. One quote request will get you price quotes from all major companies.

A slightly less efficient method to find more affordable insurance is going to each company website and go through the quote process again. For instance, we’ll pretend you want to view quotes from Progressive, GEICO and State Farm. To get each rate you have to visit each site and type in your information over and over, which is not fast way to get rate quotes.

For a handy list of car insurance company links in your area, click here.

Even if you have time, the least recommended way of getting rate comparisons is driving to local insurance agencies. Doing it all online makes this unnecessary unless you’re the type of person who wants the professional guidance of a local agency. Although you can compare the best prices online but have a local agent actually write the policy.

It’s up to you which method you use, but double check that you are using the exact same coverages for every quote you compare. If you are comparing mixed coverages you will not be able to decipher which rate is best. Even a minor difference in insurance coverages can result in a big premium difference. Just remember that quoting more will improve the odds of getting a better price. Some companies don’t provide price estimates online, so you also need to get rates from them, too.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation will benefit from professional help.

  • Is a fancy paint job covered?
  • What is the ISO rating for a 2017 Mazda MX-5 Miata RF?
  • Does having multiple vehicles earn me a discount?
  • What discounts do I qualify for?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What if I don’t agree with a claim settlement offer?
  • Will filing a claim cost me more?
  • When should I remove comp and collision on my 2017 Mazda MX-5 Miata RF?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverages explained

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Mazda MX-5 Miata RF.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like prosthetic devices, dental work and surgery. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your MX-5 Miata RF from colliding 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 protects against things like colliding with a tree, crashing into a building, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, medical expenses, court costs, repair bills for other people’s vehicles and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hail damage, rock chips in glass, fire damage and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote more. Save more.

In this article, we covered a lot of ways to save on 2017 Mazda MX-5 Miata RF insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding low cost car insurance. You may be surprised to find that the most savings is with some of the lesser-known companies. Regional companies often have lower car insurance rates on specific markets compared to the large companies like Progressive or GEICO.

Cheaper 2017 Mazda MX-5 Miata RF insurance can be found online in addition to local insurance agencies, so get free car insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not have online price quotes and many times these smaller companies only sell through local independent agents.

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