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: Nov 29, 2018

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Looking for better auto insurance rates for your Mazda MX-5 Miata? Finding better insurance prices for a Mazda MX-5 Miata can turn out to be difficult, but you can learn the following methods to save time. There are both good and bad ways to find auto insurance online and we’ll show you the proper way to get price quotes on a Mazda and obtain the lowest possible price either online or from local insurance agents.

Cheap car insurance

All major car insurance companies such as State Farm, Allstate and GEICO give pricing from their websites. Comparing rates online is possible for anyone as you just enter your personal and coverage information as detailed in the form. Once entered, their system will order credit information and your driving record and quotes a price determined by many factors.

Being able to quote online makes it easy to compare insurance prices but the time it takes to visit several different sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to get a better rate.

Compare rates the easy way

The smarter way to find lower prices requires only one form that gets prices from many companies. It saves time, reduces the work, and makes rate comparisons much more efficient. After your information is entered, it is quoted and you can choose any or none of the quotes returned. If a lower price is quoted, you can click and sign and purchase coverage. It can be completed in a matter of minutes and you’ll know if lower rates are available.

In order to find out how much you can save on car insurance, click here and submit your coverage information. If you have your current policy handy, we recommend you replicate the coverages just like they are on your policy. Using the same limits helps guarantee you will have a fair comparison using the exact same coverages.

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

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Find hidden discounts on car insurance

Car insurance is not an enjoyable expense, but you may find discounts that can dramatically reduce your bill. Certain reductions will be credited when you purchase, but occassionally some discounts must be inquired about prior to getting the savings.

  • Early Renewal Discounts – Some larger companies provide a discount for switching to them before your current policy expires. The savings is around 10%.
  • Clubs and Organizations – Belonging to a professional or civic organization may earn a discount when shopping for car insurance.
  • Early Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Multiple Vehicles – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Distant Student Discount – College-age children who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
  • Active Service Discounts – Being deployed in the military may lower your car insurance rates slightly.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.
  • Homeowners Savings – Owning a home may earn you a small savings since home ownership is proof that your finances are in order.
  • No Charge for an Accident – Not really a discount, but a handful of insurance companies allow you one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Safety Course Discount – Taking a course teaching safe driver skills could earn you a small percentage discount and easily pay for the cost of the class.

It’s important to understand that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous. Any amount of discount will help lower your policy cost.

A few popular companies and their possible discounts can be read below.

  • Farm Bureau may offer discounts for multi-policy, youthful driver, safe driver, driver training, good student, 55 and retired, and renewal discount.
  • MetLife includes discounts for claim-free, good driver, good student, accident-free, multi-policy, defensive driver
  • Progressive has savings for online signing, good student, multi-vehicle, continuous coverage, homeowner, and online quote discount.
  • AAA may have discounts that include AAA membership discount, education and occupation, good student, pay-in-full, and anti-theft.
  • American Family has discounts for defensive driver, air bags, Steer into Savings, good student, and bundled insurance.
  • GEICO discounts include daytime running lights, membership and employees, multi-policy, emergency military deployment, federal employee, multi-vehicle, and anti-theft.
  • State Farm offers premium reductions for Steer Clear safe driver discount, defensive driving training, good driver, passive restraint, multiple autos, and driver’s education.

Before buying, ask each company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in every state. To locate companies with the best discounts, follow this link.

Tailor your insurance coverage to you

When choosing adequate coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Am I covered when using my vehicle for business?
  • Is my camper covered by my car insurance policy?
  • Should I waive the damage coverage when renting a car?
  • Do I need replacement cost coverage on my 1996 Mazda MX-5 Miata?
  • Is upholstery damage covered by car insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When should my teen driver be added to my policy?
  • When would I need rental car insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, hitting a deer, hail damage and falling objects. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays for damage to your MX-5 Miata resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for things like doctor visits, pain medications and EMT expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability insurance

Liability coverage will cover damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like court costs, emergency aid and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection 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 1996 Mazda MX-5 Miata.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.