1993 Mazda MX-5 Miata Insurance Rates – 9 Tricks for Best Quotes

Have you had enough of being strong-armed to insure your Mazda every month? You are in the same boat as many other drivers.

With consumers having so many companies to choose from, it’s difficult to find the lowest price provider.

Compare Insurance Coverage Costs

To find the best insurance coverage prices, there are several ways of comparing price quotes from insurance coverage companies in your area. The best method to find the lowest 1993 Mazda MX-5 Miata rates is to perform an online rate comparison. This can be done in several different ways.

The recommended way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This form eliminates the need for repetitive form entry for each company you want a rate for. Completing one form gets you coverage quotes from multiple companies.

A different way to get quotes online is spending the time to visit the website for each individual company and complete a new quote form. For examples sake, we’ll pretend you want rates from Liberty Mutual, 21st Century and American Family. To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same information with every price quote. If you use different values for each quote it will be very difficult to determine the lowest rate for your Mazda MX-5 Miata. Slightly different coverages may result in a large different in cost. And when price shopping your coverage, quoting more helps locate a lower rate.

Discounts on 1993 Mazda MX-5 Miata insurance

Companies don’t list every discount very well, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

• Homeowners Pay Less – Owning a house can save you money because maintaining a house requires personal responsibility.
• Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
• No Accidents – Good drivers with no accidents pay less as compared to drivers who are more careless.
• New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
• Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
• Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break when shopping for car insurance on MX-5 Miata insurance.
• Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
• Government Employees – Employees or retirees of the government may qualify you for a discount on MX-5 Miata insurance with a few car insurance companies.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, companies don’t profit that way.

To see a list of companies offering car insurance discounts, click here to view.

Tailor your coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. For example, these questions might help in determining if your insurance needs may require specific advice.

• What is an SR-22 filing?
• How much liability do I need to cover my assets?
• Why am I required to get a high-risk car insurance policy?
• How can I find cheaper teen driver insurance?
• Is a new car covered when I drive it off the dealer lot?
• Do I get a pro-rated refund if I cancel my policy early?
• How much liability insurance is required?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverage information

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Auto collision coverage

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

Collision coverage protects against things such as colliding with a tree, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as emergency aid, legal defense fees, pain and suffering, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, vandalism, hail damage, damage from getting keyed and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as ambulance fees, X-ray expenses, surgery, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay