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 31, 2017

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Purchasing the lowest cost insurance coverage on the internet can appear to be somewhat intimidating for vehicle owners new to comparing rates and buying insurance coverage over the internet. With literally dozens of insurance companies available, how are vehicle owners able to have a chance to compare every company to locate cheaper insurance coverage rates?

Buying car insurance is quite easy. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. But vehicle owners do need to know the way insurance companies market on the web and use this information to your advantage.

The Mazda MX-5 Miata insurance cost equation

Multiple criteria are used when you get your auto insurance bill. Some are obvious such as traffic violations, but others are less apparent like your continuous coverage or your commute time.

  • Your job can affect rates – Occupational choices like real estate brokers, architects and medical professionals are shown to have the highest average rates due to job stress and lengthy work days. On the flip side, occupations such as professors, students and the unemployed pay lower than average rates on MX-5 Miata coverage.
  • Age of drivers impacts prices – Teen drivers are proven to be more careless behind the wheel so they pay higher car insurance rates. Having to add a inexperienced driver to your car insurance policy can increase premiums substantially. Older people tend to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
  • Cheaper premiums for prior coverage – Driving without insurance coverage in place is illegal and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher premiums, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Raising coverage deductibles lowers premiums – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Mazda. Examples of covered claims are a windshield shattered by a rock, flood damage, and damage caused by flying debris. Comp and collision deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. The more money you are required to pay out-of-pocket, the less your car insurance will be on MX-5 Miata coverage.
  • Save money by having excellent credit – Having a good credit rating can be a huge factor in determining what you pay for car insurance. If your credit rating could use some work, you could pay less to insure your 2013 Mazda MX-5 Miata if you improve your credit rating. People with excellent credit scores tend to file fewer claims as compared to drivers with bad credit.

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Auto insurance quotes and discounts

Auto insurance is not inexpensive, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but once in a while a discount must be requested specifically before they will apply. If you are not receiving all the discounts possible, you’re paying more than you need to.

  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with policyholders that have many claims.
  • Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can get savings of up to 25% 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 some life insurance in addition to your auto policy.
  • Defensive Driver Discounts – Passing a course in driver safety is a good idea and can lower rates and make you a better driver.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • ABS Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Paper-free Discount – Many insurance companies give back up to $50 just for signing your application online.
  • Discount for Low Mileage – Driving less could qualify for lower auto insurancerates due to less chance of an accident.

Remember that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Some of the larger companies that may offer quotes with these discounts include:

Before buying, ask each insurance company which discounts can lower your rates. Some discounts listed above may not apply in every state. To see a list of insurance companies that offer some of these discounts, follow this link.

Situations that may require an agent’s advice

When it comes to buying the best car insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • Am I better off with higher deductibles on my 2013 Mazda MX-5 Miata?
  • Does my car insurance cover rental cars?
  • Will my insurance pay for OEM parts?
  • Is my teenager covered with friends in the car?
  • Am I covered if I hit a deer?
  • Am I getting all the discounts available?
  • Am I covered if I wreck a rental car?
  • Do I have coverage for damage caused while driving under the influence?
  • I have a DUI can I still get coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverage details

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This coverage pays for 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 can pay for claims like damage from a tornado or hurricane, rock chips in glass, falling objects, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mazda MX-5 Miata.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Auto liability

This coverage will cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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

Liability coverage protects against claims such as medical services, legal defense fees and court costs. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, colliding with another moving vehicle, sideswiping another vehicle, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like surgery, ambulance fees, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

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Best coverage at the best price

Affordable 2013 Mazda MX-5 Miata insurance is possible online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don’t offer rate quotes online and most of the time these small, regional companies provide coverage only through independent insurance agencies.

When buying insurance coverage, do not buy poor coverage just to save money. There have been many situations where an insured dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at the best cost, but do not skimp to save money.

We’ve covered many ways to reduce 2013 Mazda MX-5 Miata insurance rates online. The most important thing to understand is the more providers you compare, the higher your chance of finding the cheapest car insurance. You may even find the most savings is with a small local company.

To learn more, link through to these articles: