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Mazda MX-5 Miata RF Insurance Rates

There are many options when insurance shopping for your Mazda vehicle. You can buy direct from an insurance agent or shop online to check prices from many different companies. Finding cheaper auto insurance from online companies is easy and there is a good chance you may find lower rates.

Consumers who are new to the process of shopping for insurance may think purchasing cut-rate MX-5 Miata RF insurance can be quite difficult. Cutting your MX-5 Miata RF insurance cost is actually quite simple. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Insurance premiums for your Mazda MX-5 Miata RF can vary widely based upon several criteria. Some of these factors include:

  • The performance level of your MX-5 Miata RF
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older Mazda models so repair costs are higher which can inflate annual premiums. But more recent Mazda vehicles have more advanced features including anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which can give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your MX-5 Miata RF below.

Liability coverage - Liability insurance will cover damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy higher limits if possible.

Collision - This will pay to fix damage to your Mazda resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage 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. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Mazda MX-5 Miata RF Insurance Rates?