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Mazda MX-5 Miata Insurance Cost

Buying auto insurance from online companies is simple to do and at the same time you might just save a little. The critical component is to get as many rate quotes as possible so you can compare the lowest rate quotes.

Shopping online for auto insurance is challenging if you have never used online quoting. But don't let that discourage you because comparing prices is actually very simple. Lowering your MX-5 Miata insurance rates is actually quite simple. You just need to take a few minutes to get quotes online with multiple companies. This can be accomplished by visiting this page.

What influences MX-5 Miata insurance quotes?

Auto insurance rates for a Mazda MX-5 Miata can fluctuate considerably subject to many criteria. Taken into consideration are:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

A final factor that helps determine MX-5 Miata insurance cost is the model year. A newer vehicle cost more in comparison to later models so the payout to repair may result in higher rates. Although newer models may have a trim level with safety features included like active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which may provide discounts that lower premiums.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage

MX-5 Miata liability coverage protects you from damages or injuries you inflict on other people or property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision insurance

Collision insurance pays for damage to your Mazda caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage. MX-5 Miata collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper MX-5 Miata insurance cost.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your Mazda MX-5 Miata comprehensive insurance. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Mazda MX-5 Miata Insurance Rates?