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Mazda MX-5 Miata RF Insurance Cost

Shopping for car insurance online is easy and there is a good chance you can save money. The key is to compare rates from all providers in order to accurately compare the lowest rate quotes.

Consumers not familiar with shopping for insurance may think buying affordable MX-5 Miata RF insurance is very challenging. There are several ways to get quotes from different insurance companies. By far the easiest way to find the cheapest MX-5 Miata RF insurance rates consists of shopping online. This can be accomplished by getting a quick quote here.

Car insurance premiums paid to insure a Mazda MX-5 Miata RF will vary greatly based upon several criteria. Some of these factors include:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • The deductible you choose
  • Safety rating of your MX-5 Miata RF
  • Your occupation
  • The level of coverage
  • Whether you own your home

An additional factor that will help determine MX-5 Miata RF insurance cost is the year of the vehicle. Older cars and trucks cost less than newer models so the costs to repair will push premiums down. Conversely, more recent Mazda vehicles may have safety features such as pedestrian detection, dual-stage airbags, and blind-spot warning system so those may help offset higher rates.

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

Liability coverage

Liability insurance will cover damage that occurs to a person or their property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your Mazda from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount 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.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.

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