Cheaper 2003 Mazda MX-5 Miata Car Insurance Quotes

Want cheaper insurance coverage rates for your Mazda MX-5 Miata? No sane person looks forward to buying insurance coverage, especially when they are aware that they could lower their rates if they shopped around. Insurance companies such as Allstate, Progressive and GEICO continually bombard you with ads and it is challenging if not impossible to ignore the propoganda and find the best price available.

How to get insurance coverage quotes

Comparing insurance coverage rates is a ton of work if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and each company then returns a price quote determined by their information. This eliminates the need for quote requests for each company you want a rate for. To get comparison pricing now click to open in new window.

The single downside to doing it this way is that you can’t choose which providers to receive prices from. If you wish to select from a list of companies to compare prices, we have a page of insurance coverage companies in your area. Click here to view list.

Whichever method you choose, make absolute certain that you use the exact same quote data for each quote you get. If you compare higher or lower deductibles you will not be able to determine the best price for your Mazda MX-5 Miata.

Car insurance companies offer many discounts

Car insurance is expensive, but you can get discounts to help bring down the price. Certain reductions will be credited at the time you complete a quote, but occassionally some discounts must be requested specifically prior to getting the savings. If you’re not getting every credit you deserve, it’s possible you qualify for a lower rate.

• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
• Paperwork-free – Many larger companies will discount your bill up to fifty bucks shop car insurance digitally online.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
• Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
• Military Discounts – Having an actively deployed family member may qualify for rate reductions.
• Auto/Life Discount – Larger car insurance companies have a lower premium rate if you buy a life policy as well.
• Discount for Swiching Early – Select larger companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
• Telematics Discount – Drivers who elect to allow their company to look at when and where they use their vehicle by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
• Multi-car Discount – Buying insurance for multiple vehicles on a single policy can reduce rates for all insured vehicles.

Remember that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you can get free auto insurance, car insurance companies aren’t that generous. But all discounts will definitely lower the premium cost.

A few of the larger companies and the discounts they provide are included below.

• Progressive may offer discounts for online quote discount, multi-policy, online signing, homeowner, multi-vehicle, and continuous coverage.
• The Hartford has savings for good student, vehicle fuel type, anti-theft, driver training, defensive driver, bundle, and air bag.
• Mercury Insurance includes discounts for multi-policy, good driver, ease of repair, type of vehicle, annual mileage, professional/association, and location of vehicle.
• GEICO policyholders can earn discounts including good student, defensive driver, multi-vehicle, driver training, and anti-lock brakes.
• AAA offers discounts for good driver, pay-in-full, anti-theft, AAA membership discount, education and occupation, and good student.
• State Farm discounts include good driver, defensive driving training, anti-theft, Steer Clear safe driver discount, safe vehicle, passive restraint, and good student.

Before you buy a policy, ask every insurance company how you can save money. Depending on the company, some discounts might not apply everywhere.

Do I just need basic coverages?

When choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation might need professional guidance.

• Why am I required to buy liability insurance?
• What can I do if my company denied a claim?
• How do I insure my teen driver?
• Should I put collision coverage on all my vehicles?
• Is my custom paint covered by insurance?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I need more liability coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Car insurance coverages explained

Understanding the coverages of a car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from car insurance companies.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, a tree branch falling on your vehicle and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, medical expenses, structural damage and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses like nursing services, ambulance fees, funeral costs, dental work and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Mazda MX-5 Miata.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

Collision insurance pays for damage to your MX-5 Miata caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.