Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Nobody I know enjoys paying for car insurance, especially when they know they could lower their rates if they shopped around. Due to the abundance of online and local companies to choose from, it can be challenging to locate a lower cost company.

It’s a good idea to compare prices periodically because prices trend upward over time. Even if you think you had the best price on MX-5 Miata coverage last year there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about car insurance on the web, but I’m going to show you the easiest ways to lower your car insurance premiums.

How to get insurance coverage quotes

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

All the larger companies participate in a marketplace that allows shoppers to submit one quote, and each company provides a quote. This system prevents you from having to do quote requests for each company.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly which providers you want pricing from. So if you prefer to pick individual companies to compare, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, double check that you are using exactly the same coverage data with each company. If your comparisons have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Mazda MX-5 Miata.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Car insurance rates and discounts

Car insurance is not cheap, but you might already qualify for some discounts that can drop the cost substantially. Some discounts will apply at the time of quoting, but some discounts are required to be requested specifically before you get the savings. If you don’t get every credit you qualify for, you are just wasting money.

  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.
  • More Vehicles More Savings – Drivers who insure more than one vehicle on one policy may reduce the rate for each vehicle.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Switch and Save Discount – A few companies offer discounts for signing up prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
  • Passive Restraints – Cars that have air bags or automatic seat belts may get savings as much as 30%.

One thing to note about discounts is that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

A list of car insurance companies and a partial list of their discounts are shown below.

  • Progressive may offer discounts for homeowner, multi-policy, online signing, online quote discount, and good student.
  • MetLife includes discounts for claim-free, defensive driver, good driver, accident-free, good student, and multi-policy.
  • Mercury Insurance discounts include location of vehicle, good driver, multi-car, accident-free, and age of vehicle.
  • Nationwide may have discounts that include family plan, accident-free, good student, easy pay, and business or organization.
  • GEICO offers discounts including five-year accident-free, defensive driver, anti-theft, air bags, and membership and employees.
  • AAA offers premium reductions for anti-theft, good driver, good student, multi-policy, pay-in-full, AAA membership discount, and multi-car.

Before you buy a policy, ask each insurance company the best way to save money. Some discounts might not be available to policyholders in every state. If you would like to view insurance companies who offer car insurance discounts, click here to view.

Situations that may require an agent’s advice

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight whether or not you will benefit from professional help.

  • Is a fancy paint job covered?
  • What is the difference between comprehensive and collision coverage?
  • Does my 1992 Mazda MX-5 Miata qualify for pleasure use?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What can I do if my company denied a claim?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are my friends covered when driving my car?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Auto liability – This protects you from injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like attorney fees, medical services, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass, hail damage and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, ambulance fees, hospital visits, nursing services and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This coverage will pay to fix damage to your MX-5 Miata caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1992 Mazda MX-5 Miata.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Shop smart and save

You just read quite a bit of information on how to compare 1992 Mazda MX-5 Miata insurance premium rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the lowest priced insurance comes from an unexpected company. They may only write in your state and offer lower prices as compared to the big name companies such as State Farm and Allstate.

As you shop your coverage around, you should never reduce needed coverages to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

Additional detailed information is available at these sites: