2000 Mazda MX-5 Miata Car Insurance Quotes

Want the cheapest insurance coverage rates for your Mazda MX-5 Miata? Tired of being strong-armed to keep your car insured? You are in the same boat as millions of other people.

Many insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the best rate

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Finding affordable coverage is not that difficult. But vehicle owners do need to understand how big insurance companies sell insurance online because it can help you find the best coverage.

Affordable insurance coverage rate quotes

The are a couple different ways to compare prices from many different insurance companies. The easiest way by far to compare 2000 Mazda MX-5 Miata insurance prices is to get quotes online. It’s really quite simple and can be done using a couple different methods.

The best way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do separate quote forms for every insurance coverage company. A single form gets you coverage quotes from many national carriers.

A different way to get quotes online requires a trip to each individual company website to complete their respective quote request forms. For examples sake, let’s say you want to compare rates from USAA, Liberty Mutual and Farmers. In order to compare rates, you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

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

Even if you have time, the least recommended way to do your price quoting to insurance agencies in your area. The ability to quote online reduces the need to sit down with an agent unless you’re the type of person who wants the professional assistance that can only be provided by a licensed insurance agent. Drivers can comparison shop online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make sure you are using apples-to-apples quote data for each quote you get. If each company quotes different values for each quote it’s impossible to determine the best price for your Mazda MX-5 Miata. Having just a slight variation in coverage limits could throw off the whole comparison. Just remember that more quotes helps you find lower pricing. Some smaller insurers to not give online rate quotes, so it’s necessary to compare prices from those companies as well.

Can you really save if you switch?

Companies like Allstate and Progressive endlessly run ads on television and other media. They all seem to state the claim that drivers can save some big amount if you change your car insurance coverage to their company. How do they all offer drivers better rates? Just pay attention to how they say it.

All the different companies can use profiling for a prospective insured that makes them money. A good example of this type of insured might be between the ages of 30 and 50, owns a home, and drives newer vehicles. Any person that meets those criteria is entitled to the best price as well as cut their rates substantially.

Potential insureds who cannot meet those criteria will see a higher premium and the prospect going elsewhere. The trick companies use is to say “people who switch” but not “everyone who gets a quote” save that much. This is how insurance companies can confidently make the claims of big savings. Because of the profiling, you should compare free insurance quotes often. It is just not possible to predict which insurance companies will be your best fit.

Insurance policy discounts you can’t miss

Auto insurance companies don’t list the complete list of policy discounts in a way that’s easy to find, so the following list contains both well-publicized as well as some of the hidden credits that may apply to you.

  • Data Collection Discounts – Drivers who elect to allow their company to look at vehicle usage remotely such as Progressive’s Snapshot could save a few bucks if their driving habits are good.
  • Homeowners Discount – Just owning your own home can earn you a little savings due to the fact that maintaining a home requires personal responsibility.
  • Safety Course Discount – Completing a course in safe driver may get you a small discount and also improve your driving technique.
  • Government Employee Discount – Active or former government employment can save as much as 8% for MX-5 Miata coverage with certain companies.
  • Student in College – Any of your kids who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Buying a policy with primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
  • Cautious Drivers – Insureds who avoid accidents could pay up to 40% less for MX-5 Miata coverage than drivers with accident claims.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
  • Low Mileage Discounts – Fewer annual miles on your Mazda could be rewarded with cheaper rates.

You should keep in mind that some credits don’t apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

To find companies with discount rates, follow this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Can my babysitter drive my car?
  • Am I covered when driving a rental car?
  • Will my insurance pay for OEM parts?
  • Am I covered if I wreck a rental car?
  • Is my 2000 Mazda MX-5 Miata covered for smoke damage?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverages and their meanings

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like funeral expenses, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, rock chips in glass and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your MX-5 Miata caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, colliding with a tree, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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 a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses such as X-ray expenses, dental work, prosthetic devices and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Get your money’s worth

We just covered a lot of ways to compare 2000 Mazda MX-5 Miata insurance premium rates online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the best premium rates are with a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

Discount 2000 Mazda MX-5 Miata insurance is possible from both online companies and with local insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide rates over the internet and many times these regional insurance providers provide coverage only through independent insurance agencies.

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

Additional information is available at the links below