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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Consumers have a choice when looking for the best price on Mazda MX-5 Miata insurance. You can either waste hours driving around trying to get quotes or use the internet to make rate comparisons. There are both good and bad ways to shop for insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Mazda and find the cheapest rates either online or from local insurance agents.

You should make it a habit to compare premium rates yearly because prices trend upward over time. Despite the fact that you may have had the best rate on MX-5 Miata insurance two years ago there may be better deals available now. Block out anything you think you know about insurance because I’m going to teach you one of the best ways to lower your annual insurance bill.

Finding the best rates is not rocket science. If you currently have car insurance, you will most likely be able to save some money using these techniques. Consumers only need an understanding of the tricks to compare price quotes online.

Shop car insurance online

Getting cheap 2012 Mazda MX-5 Miata car insurance pricing is surprisingly easy. The only thing you need to do is take the time comparing free insurance coverage quotes from online providers. Insurance prices can be quoted in just a few minutes using one of these methods.

If you are pressed for time, the simplest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This style of form saves time by eliminating repetitive form entry for every car insurance company. One quote request will get you rate comparisons direct from many companies. It’s the fastest way to compare.

A more time consuming way to get quotes online requires visiting the website for each individual company and request a quote. For example, we’ll assume you want to view quotes from Auto-Owners, GEICO and Progressive. To find out each rate you need to spend time going to each site individually and enter your policy data, which can take a lot of time.

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

Even if you have time, the least recommended way to price shop rates is calling or driving to all the different insurance agencies. The ability to quote online eliminates this option unless you prefer the guidance only provided by licensed agents. Some companies do allow you to comparison shop your insurance online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just do your best to enter exactly the same coverage information for every quote you compare. If you are comparing different limits and deductibles on each one it will be nearly impossible to determine which rate is truly the best.

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

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Get lower rates with these insurance discounts

Insurance is not an enjoyable expense, but there’s a good chance there are discounts that can help lower your rates. Certain reductions will be credited when you complete an application, but once in a while a discount must be inquired about before you get the savings.

  • Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles with the same company can reduce rates for all insured vehicles.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Sign Early and Save – A few insurance companies offer discounts for renewing your policy early. This can save 10% or more.
  • Homeowners Discount – Owning a home may trigger a policy discount on insurance because it shows financial diligence.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 20% or more.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
  • Good Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on MX-5 Miata insurance than their less cautious counterparts.
  • Buy New and Save – Buying insurance on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.

Don’t be shocked that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, insurance companies aren’t that generous. Any amount of discount will cut your overall bill.

For a list of insurers with significant discounts, click this link.

Why smart consumers pay less for Mazda MX-5 Miata insurance

It’s important that you understand some of the things that are used to determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower rates.

  • Guys are more aggressive – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, this does not mean females are better drivers. Males and females are responsible for auto accidents at about the same rate, but guys cause more damage. In addition to higher claims, males also get higher numbers of serious violations like DUI and reckless driving.
  • Teenagers are high risk – More mature drivers are more responsible, are lower risk to insure , and are generally more financially stable.Beginning drivers are statistically shown to be inattentive when at the wheel of a vehicle and because of this, their insurance rates are much higher.
  • Multiple policies with one company – Most insurance companies allow better rates to customers that purchase more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Vehicle theft costs us all – Selecting a car model that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.
  • Inexpensive frequent claims are not good – Insurance companies award most affordable rates to people who do not file claims often. If you frequently file small claims, you can expect either higher rates or even cancellation. Auto insurance is designed for more catestrophic claims.

Auto insurance can get complicated

When it comes to buying the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • Should I buy full coverage?
  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?
  • When should I not file a claim?
  • What is UM/UIM insurance?
  • Is my cargo covered for damage or theft?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need motorclub coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

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

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Car insurance specifics

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

Liability auto insurance – This coverage can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as emergency aid, funeral expenses, medical expenses and loss of income. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive auto coverage – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from flooding, falling objects, rock chips in glass and hitting a bird. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays for damage to your MX-5 Miata caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses like chiropractic care, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

A little work can save a LOT of money

We covered a lot of techniques to shop for 2012 Mazda MX-5 Miata insurance online. The most important thing to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the most savings is with some of the smallest insurance companies.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

The cheapest 2012 Mazda MX-5 Miata insurance can be bought from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some companies may not offer the ability to get quotes online and these smaller providers sell through local independent agents.

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