Cheapest 1999 Mazda MX-5 Miata Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Having to pay for overpriced insurance can take a big chunk out of your checking account and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.

Numerous auto insurance companies battle for your business, so it’s not easy to compare every company to find the absolute lowest price

It’s a good habit to compare rates at least once a year because rates fluctuate regularly. Just because you found the lowest price on MX-5 Miata insurance two years ago you may be paying too much now. You can find a lot of wrong information about insurance on the internet, so by reading this article, you’re going to learn a lot of great tips on how to find affordable insurance.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Buying car insurance is not that difficult. Nevertheless, car owners must know how insurance companies sell online and apply this information to your search.

Do you qualify for discounts?

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be specially asked for before they will apply.

  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The good student discount can last until age 25.

Keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will help reduce your overall premium however.

For a list of companies with discount auto insurance rates, click here.

Don’t assume everyone needs the same coverage

When buying coverage, there really is no perfect coverage plan. Each situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • How can I force my company to pay a claim?
  • Should I bundle my homeowners policy with my auto?
  • Are rock chip repairs covered?
  • Is my teen driver covered when they drive my company car?
  • If my pet gets injured in an accident are they covered?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Switch companies and save? Really?

Insurance coverage companies such as State Farm and Allstate constantly bombard you with ads in print and on television. They all seem to make the same claim of big savings if you switch your policy. How do they all make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer might be profiled as between 25 and 40, has no prior claims, and has a short commute. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t measure up to these standards must pay higher prices and this can result in the customer not buying. The ads say “customers who switch” not “everyone that quotes” save money. That’s the way companies can advertise the way they do.

This illustrates why it is so important to compare many company’s rates. It’s just too difficult to predict which company will have the lowest Mazda MX-5 Miata insurance rates.

Insurance coverage basics

Having a good grasp of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1999 Mazda MX-5 Miata.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverage

Collision insurance covers damage to your MX-5 Miata resulting from a collision with an object or car. 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, damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, surgery, funeral costs, prosthetic devices and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

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

Comprehensive can pay for claims such as fire damage, hitting a bird, damage from getting keyed, rock chips in glass and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More comparisons equals lower rates

When buying insurance coverage, do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Affordable 1999 Mazda MX-5 Miata insurance is possible online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

More learning opportunities

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Frequently Asked Questions

How can I find companies that offer cheap auto insurance rates for my 1999 Mazda MX-5 Miata?

To find companies with cheap auto insurance rates for your 1999 Mazda MX-5 Miata, you can enter your ZIP code on our website’s free quote tool. This tool allows you to compare quotes from multiple insurance companies. By comparing rates from different providers, you increase your chances of finding affordable insurance options for your specific vehicle.

Why is it important to compare auto insurance rates at least once a year?

Rates for auto insurance fluctuate regularly, which is why it’s important to compare rates at least once a year. Just because you found the lowest price on MX-5 Miata insurance two years ago doesn’t mean you’re still getting the best deal. By regularly comparing rates, you can ensure that you’re not overpaying for your insurance and potentially find better options that suit your budget.

How can I save on my auto insurance premiums?

There are several ways to potentially save on your auto insurance premiums. First, make sure to ask about available discounts from your insurance company. Many companies offer discounts for factors such as safe driving records, bundling multiple policies, or having certain safety features on your vehicle. Additionally, consider increasing your deductibles, as higher deductibles can lower your premiums. Lastly, maintaining a good credit score can also have a positive impact on your insurance rates.

Can I negotiate my auto insurance rates?

Auto insurance rates are typically set by the insurance company based on various factors such as your driving record, location, and the type of vehicle you own. While you may not be able to negotiate the base rates, you can still seek discounts and explore different coverage options to find the most affordable policy for your needs. It’s important to shop around and compare rates from different insurers to ensure you’re getting the best possible deal.

How do I know if I have the right amount of coverage for my 1999 Mazda MX-5 Miata?

Determining the right amount of coverage for your 1999 Mazda MX-5 Miata depends on several factors, including your budget, the value of your vehicle, and your personal preferences. It’s crucial to strike a balance between adequate coverage and affordability. Consider factors such as your driving habits, the potential risks you may face, and any legal requirements in your state. Consulting with an insurance agent can also provide valuable insights and help you make an informed decision about your coverage needs.

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