Lower Your 1997 Mazda MX-5 Miata Insurance Rates

Want cheaper car insurance rates for your Mazda MX-5 Miata? Trying to find cheaper insurance for your Mazda MX-5 Miata can normally be a lot of work, but you can use these tips and make it easy.

There is a better way to shop for car insurance and you need to know the proper way to quote coverages for a Mazda and find the cheapest rates from local insurance agents and online providers.

The method we recommend to compare rate quotes is to understand most of the larger companies allow for online access to provide you with free rate quotes. The only thing you need to do is provide a small amount of information including the type of vehicles you drive, whether or not you need a SR-22, if your license is active, and if you lease or own. Your information is submitted instantly to all major companies and you will receive price estimates instantly.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether you might need professional guidance.

  • What should my uninsured motorist coverage limits be in my state?
  • How much can I save by bundling my policies?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford to buy a different vehicle if my 1997 Mazda MX-5 Miata is totaled?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Educate yourself about car insurance coverages

Understanding the coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, damage from flooding, rock chips in glass, theft and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, rehabilitation expenses and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 1997 Mazda MX-5 Miata.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Liability auto insurance

This will cover damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, funeral expenses and loss of income. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.