Save on 1991 Mazda MX-5 Miata Insurance Quotes

Finding more affordable prices for auto insurance might be very difficult for drivers who are new to comparing rates online. There are so many companies to choose from that it can turn into more work than you anticipated to locate the lowest prices.

Consumers should take time to check auto insurance prices before your policy renews because rates are constantly changing. Just because you found the best rate for MX-5 Miata coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the easiest way to reduce your cost while improving coverage.

Learn how to buy insurance coverage more affordably

The best way to find cheaper insurance coverage is to take a look at the factors that go into determining your premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that could result in big savings. Many different elements are used when quoting car insurance. Most are fairly basic like your driving record, although some other factors are less apparent such as whether you are married or how safe your car is.

  • Gender and insurance coverage premiums – Statistics show females are less aggressive when driving. Now that doesn’t mean females are better at driving than males. Men and women have fender benders in similar numbers, but males have costlier accidents. They also get ticketed for serious violations such as reckless driving. Young males tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • Use one insurance company and save – Most companies afford discounts to clients that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to compare rates to guarantee you are still saving the most. It’s possible to still save even more than the discount by insuring with multiple companies.
  • Alarms and GPS tracking lower prices – Selecting a car model with advanced anti-theft systems can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft and help lower rates.
  • Lower prices with uninterrupted coverage – Driving without insurance is illegal and insurance coverage companies will penalize you for letting your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance could earn you a license revocation or jail time.
  • Drive less and save – The more miles you rack up on your Mazda each year the more you will pay for insurance coverage. Most insurance companies calculate rates based on how the vehicle is used. Cars and trucks that are left in the garage cost less to insure as compared to vehicles used primarily for driving to work. Incorrect rating for your MX-5 Miata may be wasting your money. It’s a smart idea to ensure your vehicle rating is showing how each vehicle is driven.

How much does car insurance cost?

When shopping for inexpensive insurance coverage quotes, there are a couple of ways of comparing rates from many car insurance companies in your state. The best way to compare 1991 Mazda MX-5 Miata insurance prices is to use the internet to compare rates. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. One of the simplest ways consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This quick form keeps you from doing separate quotes for every car insurance company. One simple form will return price quotes from all major companies. It’s the fastest way to compare.
  2. A more difficult way to obtain and compare quotes online requires visiting the website of each company and go through the quote process again. For instance, we’ll assume you need rates from USAA, 21st Century and Allstate. To do that, you would have to spend time on each company’s site to input your insurance information, which can get old fast. For a list of links to insurance companies in your area, click here.
  3. The least efficient method to comparison shop rate quotes is to waste gas driving to and from local insurance agencies. The ability to get quotes online has reduced the need for local agents unless you want the professional abilities of a licensed agent. It is possible with some companies find lower rates online but buy from a local insurance agent.

Which method you use is up to you, but make sure you use exactly the same quote data on every price quote you get. If you compare different values for each quote you will not be able to determine the lowest rate for your Mazda MX-5 Miata. Just slight variations in limits could skew the results. Keep in mind that getting more free quotes increases the change that you will find more affordable insurance.

Save a ton with discounts

Insurance is not inexpensive, but you may be missing some discounts that you may not even be aware of. Some of these disounts will be visible at the time of quoting, but a few must be manually applied before being credited.

  • Memberships – Being in qualifying employment or professional organizations is a good way to get lower rates on insurance.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
  • Air Bags and Passive Restraints – Factory air bags or motorized seat belts can receive discounts as much as 30%.
  • Senior Discount – Drivers over the age of 55 can get lower premium rates for MX-5 Miata coverage.

Keep in mind that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works. But any discount will help reduce the cost of coverage.

To choose insurance companies that provide some of the discounts listed above, click this link.

What is the best car insurance coverage?

When it comes to choosing adequate coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions may help highlight whether you would benefit from professional advice.

  • Is my trailer covered?
  • Am I covered when driving someone else’s vehicle?
  • Am I missing any policy discounts?
  • Why do I only qualify for high-risk insurance?
  • How much liability insurance is required?
  • Is my camper covered by my car insurance policy?
  • Do I need motorclub coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is my ex-spouse still covered by my policy?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as emergency aid, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, funeral costs, pain medications, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, falling objects, hail damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Be Smart and Buy Smart

We covered some good ideas how to reduce 1991 Mazda MX-5 Miata insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the better your comparison will be. Consumers may even find the lowest car insurance rates come from a smaller regional carrier.

Insureds switch companies for many reasons like being labeled a high risk driver, not issuing a premium refund, poor customer service or delays in responding to claim requests. Whatever your reason, choosing a new insurance company is easier than you think.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. Too many times, someone dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

More detailed insurance information is located by following these links: