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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Locating low-cost insurance may at first seem to be somewhat intimidating for price shopping online. With dozens of online companies available, how can anyone be able to compare every insurance company to find the best pricing?

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to save some money using this information. Nevertheless, car owners must comprehend how insurance companies price insurance differently and use this information to your advantage.

Quote car insurance online

To get the cheapest auto insurance quotes, there a variety of ways to compare prices from many available car insurance companies in your state. The quickest method to find the lowest Mazda MX-5 Miata rates is to get quotes online. It is quite easy and can be accomplished by using one of the methods below.

  1. The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form keeps you from doing separate forms for each company. Completing one form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A harder way to compare rate quotes is to take the time to go to the website of each company and get a separate price quote. For examples sake, we’ll assume you want to compare rates from Liberty Mutual, 21st Century and American Family. In order to get each rate, you would have to spend time going to each site individually and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient way to compare price estimates is calling or driving to and from local insurance agencies. The internet eliminates the middleman unless your situation requires the guidance that you can only get from talking to an agent. You can, however, get the lowest quotes online but have your policy serviced through an agent.

Whichever method you choose, make darn sure you compare nearly identical quote information for every quote you compare. If you have higher or lower deductibles then you won’t be able to make a fair comparison for your Mazda MX-5 Miata. Even a minor difference in coverage limits could throw off the whole comparison. Keep in mind that having more price comparisons gives you a better chance of getting more affordable rates.

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

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Take advantage of every car insurance discount

Companies offering auto insurance don’t always list all their discounts in a way that’s easy to find, so here is a list a few of the more common as well as some of the hidden credits that you can use to lower your rates.

  • Claim Free – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Payment Method – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
  • Discounts for Federal Employees – Federal government employees could provide a small rate reduction for MX-5 Miata coverage depending on your company.
  • Sign Online – A few larger online companies will give you a small discount simply for signing digitally online.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
  • Homeowners Pay Less – Owning a house can help you save on car insurance since home ownership is proof of financial responsibility.
  • Accident Forgiveness – Not really a discount, but companies like Progressive, Allstate, and GEICO will allow you to have one accident before hitting you with a surcharge if you have no claims prior to the accident.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, it just doesn’t work that way.

A few of the larger companies and some of the discounts are included below.

  • Farmers Insurance has discounts for alternative fuel, bundle discounts, good student, early shopping, and switch companies.
  • Esurance has savings for homeowner, defensive driver, paid-in-full, renters, safety device, and multi-policy.
  • State Farm includes discounts for driver’s education, good student, safe vehicle, accident-free, defensive driving training, and good driver.
  • GEICO offers discounts including federal employee, air bags, daytime running lights, multi-policy, seat belt use, defensive driver, and anti-lock brakes.
  • Allstate may offer discounts for EZ pay plan discount, defensive driver, anti-lock brakes, passive restraint, premier plus, and senior citizen.

Check with all the companies what discounts are available to you. Some discounts might not be offered everywhere.

Why your insurance prices might be higher

When buying car insurance it’s important to understand the different types of things that are used to determine car insurance rates. If you understand what controls the rates you pay, this allows you to make good choices that may reward you with lower rates.

The factors shown below are some of the factors used by your company to calculate rates.

  • Car insurance rates and your job – Did you know your job can affect your rates? Jobs like real estate brokers, social workers and financial analysts are shown to have higher premiums than the average policyholder in part from intense work situations and extremely grueling work hours. On the other hand, occupations such as professors, students and retirees have the lowest average rates for MX-5 Miata coverage.
  • Five star NHTSA crash test rating saves money – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles reduce injuries and better occupant protection means less claims paid passed on to you as lower rates. If the Mazda MX-5 Miata scored better than four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Are men or women drivers cheaper? – Over time, data shows women are more cautious behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Both sexes cause at-fault accidents at a similar rate, but males get into accidents with more damage. Men also tend to receive more costly citations such as DWI and reckless driving.
  • Is your vehicle theft-ready? – Selecting a car model with a theft deterrent system can earn a premium discount. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.

How to know if you need help

When buying coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Will filing a claim cost me more?
  • What are the financial responsibility laws in my state?
  • Why is insurance for a teen driver so high?
  • What can I do if my company denied a claim?
  • When would I need additional glass coverage?
  • If my 1999 Mazda MX-5 Miata is totaled, can I afford another vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Why do I need rental car insurance?
  • Am I covered when driving on a suspended license?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

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

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Coverages available on your car insurance policy

Having a good grasp of a car insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage – This coverage covers 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 getting keyed, hail damage, hitting a deer, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – This coverage will cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage, emergency aid and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mazda MX-5 Miata.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, prosthetic devices, chiropractic care, EMT expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

A fool and his money are soon parted

Consumers change insurance companies for many reasons like unfair underwriting practices, policy non-renewal, delays in paying claims and even policy cancellation. It doesn’t matter what your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

When shopping online for car insurance, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an insured dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

Discount 1999 Mazda MX-5 Miata insurance can be found online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not offer the ability to get a quote online and most of the time these smaller providers sell through local independent agents.

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