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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Trying to find the cheapest insurance coverage rates for your Mazda MX-5 Miata? Searching for the cheapest insurance for a Mazda MX-5 Miata can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the proper way to price shop coverage for a Mazda and obtain the lowest possible price.

If you have insurance now or are shopping for new coverage, you can follow these tips to find better prices while maximizing coverage. Buying affordable auto insurance is not that difficult. Drivers only need to know the proper way to compare company rates online.

Buy cheaper insurance with these tips

Part of the insurance buying process is learning some of the factors that help determine insurance rates. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that may reward you with cheaper rates.

  • Married drivers get cheaper prices – Being married can actually save you money compared to being single. Having a spouse means you’re more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • More miles equals more premium – The more you drive your Mazda in a year the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that have low annual miles can be on a lower rate level than cars that get driven a lot. Verify your insurance declarations sheet is rated on the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your MX-5 Miata may be costing you.
  • Car plus home equals more savings – Lots of companies will award lower prices to buyers who consolidate policies with them such as combining an auto and homeowners policy. The discount can be as much as ten percent or more Even with this discount applied, it’s still a good idea to comparison shop to help guarantee you have the best rates.
  • Low deductibles mean high premiums – Comprehensive and collision coverage deductibles are the amount of money you are willing to pay if the claim is covered. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are a windshield broken by a bird, animal collisions, and having a roll-over accident. The more money the insured has to pay upfront, the bigger discount you will receive on MX-5 Miata coverage.

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

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Cheap car insurance

Reducing your 2009 Mazda MX-5 Miata insurance rates isn’t really that difficult. Consumers just need to invest a few minutes comparing free insurance coverage quotes online with multiple companies. Comparing prices online can be done using one of these methods.

  1. One of the best ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This quick form prevents you from having to do a different quote to each individual car insurance company. One simple form gets rate comparisons instantly. This is perfect if you don’t have a lot of time.
  2. Another way to analyze rates consists of going to the website of each company and complete a new quote form. For instance, let’s say you want rates from Liberty Mutual, State Farm and Progressive. To do that, you would have to go to each individual site and type in your information over and over, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest method to comparison shop rate quotes to insurance agencies in your area. The ability to quote online makes this unnecessary unless you want the professional assistance only provided by licensed agents. Drivers can get prices online but purchase the actual policy in an agency.

How you compare quotes is your choice, just make sure you compare identical coverage information on every quote. If you enter different limits and deductibles on each one you can’t possibly decipher which rate is best.

Advertising and auto insurance

Consumers can’t get away from ads for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. They all have a common claim that drivers can save some big amount if you get a free insurance coverage quote and switch your policy.

How does every auto insurance company sell you cheaper insurance coverage? Here is how they do it.

All companies offer their best rates for the right customer they prefer to insure. A good example of a profitable customer may need to be a married male, is a homeowner, and drives a safe vehicle. A customer who meets those qualifications receive the lowest rate quotes and will most likely save a lot if they switch.

Potential customers who don’t meet these standards will be quoted higher premiums which translates to the prospect going elsewhere. If you listen to the ad wording, they say “customers that switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can confidently advertise the savings. That is why it is so important to compare rate quotes every year. It’s impossible to know which auto insurance company will fit you best based on your risk profile.

Verify you’re receiving every discount

Car insurance can cost a lot, but there could be available discounts to help bring down the price. Many of these discounts will be applied automatically at the time of quoting, but a few must be asked about before you get the savings.

  • New Car Discount – Buying car insurance coverage on a new vehicle can save you some money since new vehicles have better safety ratings.
  • Lower Rates for Military – Being deployed in the military may lower your prices slightly.
  • Defensive Driver Discounts – Successfully completing a driver safety course may get you a small discount if your company offers it.
  • Own a Home and Save – Owning your own home or condo can earn you a little savings because of the fact that having a home is proof of financial responsibility.
  • Theft Deterent – Cars optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
  • Organization Discounts – Being in a qualifying organization could trigger savings on your policy.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Mature Driver Discount – Older drivers can possibly qualify for reduced rates on MX-5 Miata coverage.

Remember that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, you’re out of luck.

A few of the larger companies and a partial list of their discounts include:

  • American Family may have discounts that include multi-vehicle, air bags, bundled insurance, good driver, and TimeAway discount.
  • State Farm discounts include defensive driving training, multiple autos, multiple policy, Drive Safe & Save, and good student.
  • 21st Century may offer discounts for defensive driver, student driver, good student, driver training, theft prevention, automatic seat belts, and homeowners.
  • Travelers includes discounts for multi-car, IntelliDrive, good student, payment discounts, home ownership, and driver training.
  • GEICO has savings for defensive driver, anti-lock brakes, air bags, daytime running lights, five-year accident-free, membership and employees, and multi-vehicle.

Check with all companies you are considering what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in every state. For a list of companies that offer multiple discounts, follow this link.

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

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When should I discuss my situation with an agent?

When buying proper insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when using my vehicle for business?
  • Why does it cost so much to insure a teen driver?
  • How much underlying liability do I need for an umbrella policy?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Coverages available on your insurance policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance

This provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like medical expenses, court costs, legal defense fees and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses like chiropractic care, EMT expenses, dental work and ambulance fees. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This coverage covers damage to your MX-5 Miata from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, driving through your garage door, damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism, hail damage, damage from flooding and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Mazda MX-5 Miata.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

What is YOUR best insurance company?

In this article, we covered a lot of tips how to save on 2009 Mazda MX-5 Miata insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising.

When getting insurance coverage quotes online, do not buy poor coverage just to save money. In too many instances, an accident victim reduced collision coverage only to find out that it was a big error on their part. The aim is to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Drivers who switch companies do it for many reasons like high prices, high rates after DUI convictions, not issuing a premium refund or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company can be less work than you think.

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