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: Jun 21, 2018

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Finding cheap coverage rates for auto insurance could be challenging for drivers new to online comparison shopping. With literally dozens of online companies available, it can easily become a real difficult job to locate the lowest price.

Buying car insurance is not rocket science. Just about every driver who buys insurance will most likely be able to reduce their rates. But consumers must learn how big insurance companies determine prices because it can help you find the best coverage.

Learn how to quote insurance coverage cheaper

Multiple criteria are used when pricing auto insurance. Some factors are common sense like your driving record, but others are not as apparent like your continuous coverage and annual miles driven.An important part of buying insurance is that you know the rating factors that help calculate insurance coverage rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that could help you find much lower annual insurance costs.

  • Is your vehicle theft-ready? – Choosing to buy a car with a theft deterrent system can help lower your premiums. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft and help bring rates down.
  • Get a ticket, pay higher costs – A bad driving record has a huge affect on how much you pay. Drivers with clean records have lower premiums than people who have multiple driving citations. Just one chargable violation can bump up the cost by as much as thirty percent. Drivers who get license-revoking violations such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Maintain insurance coverage coverage – Letting your insurance expire can be a fast way to increase your renewal premiums. Not only will you pay more, the inability to provide proof of insurance will get you a revoked license or a big fine. You may have to prove you have insurance by filing a SR-22 with your state DMV.
  • Being married can lower premiums – Having a wife or husband helps lower the price on your insurance coverage bill. Having a spouse means you’re less irresponsible and insurance companies like that married drivers tend to file fewer claims.

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Insurance policy discounts you can’t miss

Companies offering auto insurance don’t always publicize their entire list of discounts very clearly, so the below list has both well-publicized and the harder-to-find insurance savings.

  • Accident Waiver – Not necessarily a discount, but a few companies such as GEICO, State Farm, and Progressive permit an accident without raising rates so long as you are claim-free for a certain period of time.
  • Defensive Driver Discounts – Passing a course that instructs on driving safety could save 5% or more depending on where you live.
  • Good Student Discount – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Payment Method – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
  • Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company you could save at least 10 to 15 percent or more.
  • Discount for Life Insurance – Larger insurance companies have better rates if you take out life insurance from them.

We need to note that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will lower the cost of coverage.

Insurance companies that possibly offer many of the previously listed discounts include:

If you need lower rates, check with every company to apply every possible discount. Some of the earlier mentioned discounts may not apply everywhere. To find insurance companies that provide some of the discounts listed above, click here.

Smaller companies may have the best rates

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies say the same thing that you’ll save big just by moving your car insurance coverage to their company. How does every car insurance company claim to save you money? It’s all in the words they use.

All the different companies have strict underwriting profiles for the type of driver that will not have excessive claims. An example of a desirable insured may be over the age of 45, owns a home, and drives a lower-performance vehicle. A driver that matches those criteria will probably get the lowest auto insurance rates and have a good chance to cut their rates substantially.

People who don’t measure up to this stringent profile will be quoted a higher premium which leads to the customer not buying. The ad wording is “customers that switch” not “all people who quote” save the amount stated. This is how insurance companies can make it sound like they have such great prices. Because each company has a different risk profile, you need to compare quotes as often as possible. It is impossible to guess the company that will fit your personal profile best.

Insurance agents can help

When buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your situation could use an agent’s help.

  • How much can I save by bundling my policies?
  • Am I covered when delivering products for my home-based business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does having multiple vehicles earn me a discount?
  • Does coverage extend to my business vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is extra glass coverage worth it?
  • What is the ISO rating for a 1995 Mazda MX-5 Miata?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

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Insurance policy specifics

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, vandalism, hail damage, a broken windshield and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, colliding with a tree, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses like surgery, prosthetic devices, ambulance fees, dental work and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

This coverage will cover injuries or damage you cause to other people or property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, emergency aid, loss of income, pain and suffering and funeral expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

In the end, you save

In this article, we presented many ideas to compare 1995 Mazda MX-5 Miata insurance car insurance rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising.

Budget-conscious 1995 Mazda MX-5 Miata insurance can be sourced on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not offer rates over the internet and usually these regional carriers only sell through local independent agencies.

When shopping online for insurance, do not sacrifice coverage to reduce premiums. Too many times, an accident victim reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

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