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Mazda MX-5 Miata Insurance Rates

Comparing car insurance online can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from as many companies as possible in order to have the best prices.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to get quotes and find the best price. One of the best ways to compare MX-5 Miata insurance cost involves getting comparison quotes online. This can be accomplished by comparing rates here.

Auto insurance rates for your Mazda MX-5 Miata can fluctuate considerably depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Safety rating of your MX-5 Miata
  • What you do for a living
  • Insurance coverage level
  • Whether you own your home

A final factor that can impact MX-5 Miata insurance rates is the model year. Used vehicles cost less in comparison to older models so the payout to repair may result in lower rates. Although more recent Mazda vehicles may have a trim level with safety features included like dual-stage airbags, tire pressure monitors, and blind-spot warning system which may lower rates.

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

Liability coverage - This coverage will cover damage that occurs to other's property or people. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverages - This coverage will pay to fix damage to your Mazda resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper MX-5 Miata insurance rates.

Comprehensive coverage - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Mazda MX-5 Miata comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

How Much are Mazda MX-5 Miata Insurance Rates?