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: Jul 12, 2018

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Looking for the cheapest car insurance rates for your Mazda MX-5 Miata? Cutting costs on car insurance might be frustrating for drivers who are new to quoting and comparing prices online. Consumers have so many companies to choose from that it can easily turn into a chore to locate the lowest price.

You should take the time to get comparison quotes before your next renewal because car insurance prices change regularly. Just because you found the lowest rate on MX-5 Miata insurance a few years ago you can probably find a better premium rate now. Ignore everything you know about car insurance because it’s time to teach you the tricks you need to know to lower your annual insurance bill.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Nevertheless, drivers benefit from understanding how insurance companies price online insurance and take advantage of how the system works.

Discounts to earn affordable auto insurance rates

Some insurance providers don’t always advertise the entire discount list in a way that’s easy to find, so here is a list a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save 10% or more off the personal injury premium cost.
  • College Student – Older children who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get a small decrease in premiums on MX-5 Miata insurance.
  • Online Discount – A handful of companies may give you up to $50 for buying a policy and signing up online.
  • Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Accident Forgiveness – but companies like GEICO and Liberty Mutual allow you one accident before they charge you more for coverage with the catch being you have to be claim-free for a specific time period.
  • Low Mileage Discounts – Keeping the miles down on your Mazda may allow you to get better rates on cars that stay parked.
  • New Car Discount – Adding a new car to your policy is cheaper since new vehicles are generally safer.
  • Military Deployment Discount – Having an actively deployed family member could be rewarded with lower auto insurance rates.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Despite the appearance that you could get a free auto insurance policy, you won’t be that lucky.

A partial list of companies who might offer most of the discounts above include:

If you want cheaper car insurance quotes, ask each company or agent the best way to save money. Discounts might not be available to policyholders in your area. If you would like to view insurance companies who offer cheap auto insurance quotes, click here to view.

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

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Compare quotes for insurance coverage

The majority of larger companies such as Allstate, GEICO and Progressive make it easy to get insurance quotes directly from their websites. This process doesn’t take much effort as you simply enter your coverage information as detailed in the form. Behind the scenes, the company’s rating system collects credit information and your driving record and quotes a price determined by many factors.

This simplifies rate comparisons, but having to visit many different websites and complete many quote forms is monotonous and tiresome. But it’s very important to do this if you want to get the lowest price.

The quickest way to lower your insurance coverage bill is to use a quote form to obtain quotes from several different companies. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much simpler. As soon as you send your information, it is rated with multiple companies and you can pick any of the quotes that you receive. If you find a better price you can click and sign and purchase coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.

To get comparison pricing now, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input coverages and limits as close as possible to your current policy. Doing this guarantees you will get comparison quotes for similar insurance coverage.

How your MX-5 Miata insurance costs are determined

Many different elements are used when premium rates are determined. Most are fairly basic such as traffic violations, but other factors are less obvious such as your credit history or your financial responsibility.

The itemized list below are some of the things insurance coverage companies consider when setting premiums.

  • High premiums for youthful drivers – Older drivers are more responsible, cause fewer claims and accidents and receive fewer citations.Teenage drivers are statistically proven to be less responsible when driving so insurance coverage rates are higher.
  • Premiums may be higher where you live – Being located in smaller towns and rural areas of the country can be a good thing when it comes to insurance coverage. Fewer people means less chance of accidents. City drivers tend to have more auto accidents and longer commute times. The longer drive time means more chances of being involved in an auto accident.
  • Consolidate policies and save – Lots of insurance companies give a discount to customers that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Males are more aggressive – The statistics show women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. They both are in auto accidents in similar percentages, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more major tickets like DWI (DUI) or reckless driving.
  • Deter car thieves – Buying a car that has a built-in theft deterrent system can get you a discount on your insurance coverage. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent your vehicle from being stolen.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you might need an agent’s assistance.

  • Should I waive the damage coverage when renting a car?
  • Is my trailer covered?
  • Is my nanny covered when driving my vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • How high should deductibles be on a 2011 Mazda MX-5 Miata?
  • Does my insurance cover a custom paint job?
  • What are the best liability limits?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

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

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Learn about insurance coverages for a Mazda MX-5 Miata

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses for X-ray expenses, nursing services, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your MX-5 Miata from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability coverages

Liability insurance can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, medical services, funeral expenses, loss of income and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Mazda MX-5 Miata.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, theft, a tree branch falling on your vehicle and a broken windshield. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Keep this in mind

When shopping online for insurance, it’s very important that you do not reduce coverage to reduce premium. In many instances, someone sacrificed uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy the best coverage you can find at a price you can afford.

We just showed you a lot of information how to compare 2011 Mazda MX-5 Miata insurance rates online. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your car insurance rates. You may even discover the lowest priced insurance comes from a smaller regional carrier.

A few companies do not provide rates over the internet and most of the time these regional insurance providers prefer to sell through local independent agencies. More affordable insurance is definitely available online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection.

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