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: Jan 2, 2018

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Wish you could get out of an overpriced auto insurance policy? Trust us, there are many drivers thinking the same thing.

Drivers have many car insurance companies to pick from, and though it is a good thing to have multiple companies, so many choices can make it hard to find the lowest cost provider.

It’s important to do price comparisons every six months since insurance prices change quite often. Even if you got the best rates on MX-5 Miata insurance a year ago you can probably find a better rate quote now. You can find a lot of wrong information about auto insurance online, but we’re going to give you the easiest ways to quit paying high auto insurance rates.

The best way we recommend to compare car insurance company rates is to realize car insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is spend a couple of minutes providing details including if the vehicle is leased, how much you drive, any included safety features, and whether you are married. That information is sent automatically to many different companies and they return cost estimate very quickly.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are my friends covered when driving my 2006 Mazda MX-5 Miata?
  • Is a fancy paint job covered?
  • Which companies will insure high-risk drivers?
  • When should I remove comp and collision on my 2006 Mazda MX-5 Miata?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

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

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Educate yourself about insurance coverages

Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Auto liability – This protects you from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, structural damage and medical expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Mazda MX-5 Miata.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as pain medications, surgery, funeral costs, doctor visits and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a deer, hitting a bird, vandalism and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.