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...

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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.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Are you at wits end from sacrificing to keep your car insured? You are in the same boat as many other drivers. Many insurers vie for your business, so it can be very hard to choose a insurance company to find the cheapest price

It’s a great practice to get comparison quotes once or twice a year since insurance rates are variable and change quite frequently. Just because you had the best premium rates on MX-5 Miata insurance a couple years back you can probably find a better price now. You’ll find a ton of advice on car insurance on the internet, but I’m going to show you some solid techniques on how to buy car insurance cheaper.

If you have a policy now or need new coverage, you can use this information to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to understand the proper methods to compare prices on the web.

How to get free insurance coverage quotes online

Effectively comparing insurance coverage prices can be challenging if you don’t know the fastest way to get free quotes. You could waste time driving to insurance agencies in your area, or you could save time and use online quotes for quick rates.

The majority of car insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and at least one company provides a quote for coverage. This prevents consumers from doing quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to using this type of system is that consumers can’t choose which carriers to get quotes from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of companies who write insurance coverage in your area. Click to view list.

However you get your quotes, double check that you are using nearly identical coverage limits and deductibles for each comparison quote. If you compare different data it will be next to impossible to make a fair comparison for your Mazda MX-5 Miata.

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

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Do you qualify for discounts?

Auto insurance companies do not list the entire discount list very clearly, so below is a list both well-publicized and also the lesser-known ways to save on car insurance. If you check and find you aren’t receiving every discount possible, you are just wasting money.

  • Active Military Service – Being on active deployment in the military may qualify for rate reductions.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Driving Data Discount – Insureds who allow their car insurance company to scrutinize driving manner remotely such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
  • Multiple Cars – Having multiple cars or trucks with one company may reduce the rate for each vehicle.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a specific time period.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Popular car insurance companies and some of their more popular discounts are outlined below.

  • State Farm offers discounts for Drive Safe & Save, student away at school, safe vehicle, multiple policy, accident-free, driver’s education, and passive restraint.
  • Farmers Insurance may have discounts that include switch companies, homeowner, early shopping, multi-car, and good student.
  • Progressive has discounts for homeowner, good student, multi-policy, continuous coverage, online quote discount, online signing, and multi-vehicle.
  • GEICO policyholders can earn discounts including driver training, federal employee, emergency military deployment, good student, multi-policy, daytime running lights, and military active duty.
  • Auto-Owners Insurance includes discounts for good student, safe vehicle, teen driver, company car, anti-lock brakes, and air bags.
  • The Hartford discounts include bundle, vehicle fuel type, anti-theft, air bag, and driver training.
  • Farm Bureau offers discounts including youthful driver, driver training, multi-policy, 55 and retired, and renewal discount.
  • USAA may offer discounts for safe driver, multi-vehicle, good student, loyalty savings, family discount, and new vehicle.

If you need lower rates, check with each company or agent which discounts can lower your rates. Savings might not be offered on policies in your area. To see a list of insurers with the best car insurance discounts, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can help discover if you would benefit from professional advice.

  • Do I have newly-aquired coverage?
  • Who is covered when they drive my 1994 Mazda MX-5 Miata?
  • Do I need rental car coverage?
  • Should I put collision coverage on all my vehicles?
  • How much liability coverage do I need in my state?
  • Will my insurance pay for OEM parts?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my babysitter covered when using my vehicle?
  • I have a DUI can I still get coverage?
  • Is business property covered if stolen from my car?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Why you might pay inflated rates

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that come into play when calculating insurance rates. When you understand what influences your rates, this empowers consumers to make smart changes that may result in better insurance rates. Many factors are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but others are less obvious such as your marital status or your commute time.

  • Prevent theft and save – Choosing a vehicle with an alarm system can help lower your rates. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all help stop your car from being stolen.
  • Bundle policies and save money – Most major companies will award better rates to buyers who have multiple policies with them in the form of a multi-policy discount. Discounts can be as much as ten percent or more Even if you’re getting this discount it’s in your best interest to compare rates to help guarantee you have the best rates.
  • Responsible credit saves on insurance – Having a bad credit score can be an important factor in calculating your premium rate. Consumers who have excellent credit scores tend to be more responsible than those with lower ratings. If your credit score is low, you could potentially save money when insuring your 1994 Mazda MX-5 Miata by improving your credit score.
  • Does your vocation raise your insurance rates? – Occupations like real estate brokers, executives and financial analysts are shown to have higher rates than the rest of us due to job stress and lots of time spent away from family. On the flip side, jobs such as scientists, engineers and the unemployed get better rates on MX-5 Miata insurance.

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

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Car insurance specifics

Having a good grasp of car insurance can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Comprehensive car insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, hitting a bird, damage from flooding, hitting a deer and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for expenses such as surgery, ambulance fees, doctor visits, dental work and chiropractic care. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – Collision coverage covers damage to your MX-5 Miata resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, rolling your car, sideswiping another vehicle, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverages – This coverage provides protection from 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 damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, medical services, loss of income, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Be a penny pincher

Cost effective 1994 Mazda MX-5 Miata insurance can be sourced from both online companies and with local insurance agents, and you should compare rates from both to have the best selection. A few companies don’t offer online price quotes and many times these smaller companies only sell coverage through independent agents.

You just read many tips how you can compare 1994 Mazda MX-5 Miata insurance premium rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with a lesser-known regional company. These companies can often provide lower prices in certain areas compared to the large companies like Allstate and Progressive.

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