Lower Your 2017 Mazda MX-5 Miata Insurance Quotes

Want better auto insurance rates for your Mazda MX-5 Miata? Scraping up a payment for overpriced Mazda MX-5 Miata insurance can diminish your savings account and require stricter spending habits. Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate possible.

Smart consumers take time to compare rates at least once a year because auto insurance prices are constantly changing. Even if you think you had the best rates for MX-5 Miata insurance six months ago there is a good chance you can find better rate quotes now. You can find a lot of misleading information regarding auto insurance on the internet, but by reading this article, you’re going to learn some good information on how to lower your auto insurance rates.

If you have a current insurance policy or are just looking to switch companies, you can follow these tips to reduce the price you pay and still get good coverage. Buying car insurance is not rocket science. Drivers only need an understanding of the tricks to compare prices online.

Where can I get cheap insurance?

Cutting your insurance rates is a fairly straight forward process. Consumers just need to spend a few minutes getting comparison quotes to find. This is very easy and can be done using one of these methods.

One of the simplest ways to get quotes for comparison is to use a rate comparison form click to view form in new window. This form keeps you from doing boring form submissions to each individual insurance company. In just a few minutes this one form gets you coverage quotes from many national carriers.

Another way to compare prices is going to the website of each company and complete a new quote form. For example, let’s say you want to get rates from Farmers, Liberty Mutual and GMAC. In order to compare rates, you need to go to each individual site and repeatedly type in your coverage information, which is why first method is reommended.

For a list of companies in your area, click here.

The last method to comparison shop is going to insurance agencies in your area. The ability to quote online eliminates the middleman unless you want the guidance of a local agent. Drivers can find lower rates online and still use a local agent.

It’s up to you which method you use, but make absolute certain that you use exactly the same coverages for each price quote. If you use higher or lower deductibles you will not be able to determine the best price for your Mazda MX-5 Miata.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help you determine if you might need an agent’s assistance.

  • Should I put collision coverage on all my vehicles?
  • Is my camper covered by my car insurance policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When does my teenage driver need to be added to my policy?
  • Is my teen driver covered when they drive my company car?
  • Is my custom paint covered by insurance?
  • Am I covered when driving in Canada or Mexico?
  • Do I need replacement cost coverage on my 2017 Mazda MX-5 Miata?
  • What is PIP insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Detailed coverages of your auto insurance policy

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Liability auto insurance

This coverage protects you from damage or injury you incur to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as court costs, legal defense fees, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for X-ray expenses, pain medications, rehabilitation expenses and nursing services. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, hitting a deer, theft, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

This pays for damage to your MX-5 Miata from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, crashing into a ditch, driving through your garage door, hitting a mailbox 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 older. It’s also possible to bump up the deductible in order to get cheaper collision rates.