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 30, 2017

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Searching for better car insurance rates? Consumers have many options when looking for affordable Mazda MX-5 Miata insurance. They can either waste time struggling with agents to compare prices or utilize the internet to make rate comparisons.

There is a better way to compare car insurance rates so you’re going to learn the best way to get price quotes for a new or used Mazda and obtain the best price possible from local insurance agents and online providers.

You should make it a habit to compare rates occasionally since insurance rates are variable and change quite frequently. If you had the best rate for MX-5 Miata coverage six months ago there may be better deals available now. There are lots of tips to save on car insurance online, but by reading this article, you’re going to learn a bunch of ideas how to slash your car insurance rates.

If you have a policy now or are shopping for new coverage, you can use these techniques to find better prices while maintaining coverages. This article will help you learn the most effective way to quote insurance and some money-saving tips. Consumers only need an understanding of the most effective way to get comparison quotes on the web.

Lower rate quotes with these car insurance discounts

Car insurance is not inexpensive, but there could be significant discounts that you may not even know about. Some discounts will apply at quote time, but some may not be applied and must be asked about before being credited.

  • Accident Forgiveness – Not a discount per se, but some companies like Liberty Mutual, Allstate and State Farm may permit one accident before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
  • Low Mileage – Keeping the miles down on your Mazda could earn lower prices on the low mileage vehicles.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Student Discounts – Excelling in school may save as much as 25% on a insurance quote. The discount lasts up until you turn 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
  • Online Discount – A handful of larger companies provide a small discount for buying a policy and signing up on their website.
  • Memberships – Belonging to qualifying employment or professional organizations could qualify you for a break when shopping for car insurance.
  • Multiple Vehicles – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Lower Rates for Military – Having a family member in the military may lower your prices slightly.

A little disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way.

To choose insurance companies with the best car insurance discounts, click here.

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

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How to buy car insurance online

There are multiple methods to compare car insurance prices and some are less labor-intensive and much quicker. You can waste hours talking about coverages with insurance agencies in your area, or you could use the web to get rate comparisons in just a few minutes.

Most car insurance companies participate in an industry program that enables customers to submit their information once, and at least one company returns a competitive quote based on the submitted data. This eliminates the need for quote requests for every car insurance company.

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

The one downside to using this type of system is you cannot specify which companies to receive prices from. So if you prefer to choose specific insurance companies for rate comparison, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you are using the same coverage limits for every quote you compare. If you are comparing unequal deductibles or liability limits you can’t possibly make an equal comparison.

Insurance coverage can get complicated

When choosing adequate coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

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

  • Is extra glass coverage worth it?
  • Am I better off with higher deductibles on my 2003 Mazda MX-5 Miata?
  • Does my insurance cover a custom paint job?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my trailer covered?
  • Does insurance cover damages from a DUI accident?
  • How much can I save by bundling my policies?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Specific coverages for a Mazda MX-5 Miata

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

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

Comprehensive insurance covers things like vandalism, a tree branch falling on your vehicle, rock chips in glass, hitting a bird and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance covers damage to your MX-5 Miata from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, rolling your car, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills for rehabilitation expenses, dental work, prosthetic devices, X-ray expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Auto liability

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical expenses, attorney fees, medical services, court costs and loss of income. How much coverage you buy is your choice, but buy as high a limit as you can afford.

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

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Get your money’s worth

Insureds change insurance companies for any number of reasons including high rates after DUI convictions, policy non-renewal, policy cancellation and lack of trust in their agent. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

We just showed you many ideas to lower your 2003 Mazda MX-5 Miata insurance premium rates. The key concept to understand is the more companies you get prices for, the higher your chance of finding the cheapest insurance. You may even discover the lowest priced car insurance comes from a small mutual company.

The cheapest 2003 Mazda MX-5 Miata insurance can be bought both online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. A few companies do not provide online rate quotes and many times these small insurance companies only sell through independent agents.

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